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Help and advice with Debt, Don't Know what to do


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I'm not sure this is the right place but here goes

 

I suffer from Borderline Personality Disorder, which means I am often very depressed, anxious, scared, etc. I am on medication and generally have the illness to a level that I can cope.

 

However I have got myself in debt with

Vanquis,

Capital One,

Littlewoods and

Very.

 

I was making regular payments up to about 6 months ago but then my Mum passed away and my world fell apart.

 

I am on esa and was managing with the help of my partner to maintain my payments. Now I am getting nothing but phonecalls and letters.

 

This morning I received my second letter from Moorcroft for the Vanquis debt (£1287.14) asking for me to talk to them and payment or further action will be taken.

 

I owe Littlewoods £925.73, I have only missed 3 payments on that debt so far but will miss more.

 

I owe Very £2513 including arrears of £409.

 

As for the two credit cards with Capital I owe approx £600 on each card.

 

On top of this I have accounts with JD Williams which I'm not in arrears with but will soon not be able to make the regular monthly payments.

 

I just want advice as to what to do,

should I write to them all all and make an offer of a payment each month an hope they accept it.

 

I don't have much money left over each month from my esa benefits so payment would have to be a small amount.

 

Would I be better looking at a debt relief order?

 

I just don't know which way to turn and it is affecting my mental health.

It's hard enough dealing with the grief of losing my Mum just under a year ago on top of losing my Dad nearly 3 years ago. I just don't know what to do.

 

I know this is my own fault, after losing Mum i went silly with money, anything to numb the pain I was and still am feeling.

 

I just want some advice and guidance.

 

Thank you for reading my rant and I appreciate any help you may advise me on.

Edited by dx100uk
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Write to all of you creditors

Ignore the powerless DCA's they are not bailiffs!!

Stay off the phone too. Writing only put the phone down !!

 

There is a pro-rata letter in the debt collection section of our library

 

Dont go down any dro/iva/bk route for consumer debt

 

Chin up

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thank you for your advice, I will look in the library section and write the relevant letters. Thank you for giving me a little bit of sanity back.

I don't cope well with these sort of situations and though some might think my situation is trivial compared to others for me and the way my brain works I start panicking and these then leads to anxiety attacks etc. Thank you for giving me a starting position.

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