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Domestic Violence now left with Major debt - all in my own name


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I don't think you would be able to obtain any mortgage for a few years.  And then have a good clear period without any debt issues and  have good employment earnings level throughout.

 

Are there any Housing options in your area on a shared ownership basis, if you could fund buying the relevant percentage in the property ?

 

WWW.OWNYOURHOME.GOV.UK

Shared Ownership offers you the chance to buy a share of your home (between 10-75% of the home’s value) and pay rent on the remaining share.

 

We could do with some help from you.

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cant get anyone to agree a mortgage, even on shared ownership

 

what suggestions on debt?  what do i do / should i do about that?

 

Yes i have the equity if i continue with the sale, but then I will struggle to rehouse myself and my daughter.   do i set up payment plans? and then look to sell up in 2 years time? when the fixed rate has dropped off?

 

its so doodoo that women and men like me who have been victims, continue to suffer long after the perpetrator has moved on, and probably to his next poor victim, whom he will financially destroy too 

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The debts need to individually be investigated. We might be able to get them sorted or negotiate a small f&f with total removal from files . Poss halt sale yes 

 

I'll start later.

 

 

 

 

 

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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Is it similar to the following ?

 

 

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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yes, but todays is the response date.

 

I have set up a minimal payment plan online for now, as I need time to dispute the debt due to the financial abuse.  

 

the joke of it.... the call handler has had no training in DV or Financial coercive control, and asked me for proof! he has asked me if i want to dispute the debt and I have said yes.

 

these people have no idea how to handle this sort of stuff. 

 

so, after coming off the phone from PRA, they were most unhelpful. 

 

They refused to note my prevailing situation, and told me that the current position of my account is court proceedings.  However, as I have disputed the debt, they are prepared ro put my account on hold, while a specialist team make investigations to ascertain if the debt is mine. 

 

I asked how they are going to do that? Do they need access to my medical records or Women's aid? and they said they dont investigate that.

 

just a bunch of flowers if you ask me - advice? 

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WILL YOU STOP RINGING FLEECERS!!

never ever use the phone AGAIN on ANY DEBT

 

they LIE.

 

just follow post 2 of the letter of claim <<clickme thread.

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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why have you only just found this letter?

when was it dated?

 

 

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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Share on other sites

send that letter 1st thing tomorrow wont hurt.

 

dx

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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Share on other sites

fire everyone off a CCA request

 

ignore the current accounts debts owned by LInk totally 

 

have the DWP pulled your chain yet?

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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Share on other sites

DWP using advantis? it's usually HMRC that use them.

safe to ignore advantis

 

 

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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Share on other sites

yes it will by HMRC for child tax stuff.

if they've passed it to advantis, then they aint to sure of their claim.

quite a few threads here on it.

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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Share on other sites

Well only deal with hmrc directly

for now, go up on the hmrc webite

type in sar

and get one running

 

Dx

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... 

Link to post
Share on other sites

so just had an email from PRA, when i spoke to them yesterday, I advised them of my mental health condition, and how this worsened as a result of the domestic violence and financial abuse etc, and they have asked:

 

We would like to understand a bit more about your health and we've attached a Debt and Mental Health Evidence Form and Consent Form (DMHEF) to be completed by your chosen health or social care professional. This should help us know more about: 

 

 

what do I do?  they have also sent me and I&E form....

 

That should have said a budget calculator!

 

On 08/02/2022 at 11:39, dx100uk said:

yes it will by HMRC for child tax stuff.

if they've passed it to advantis, then they aint to sure of their claim.

quite a few threads here on it.

could you send me a link or two?  I have had a look, and google, and from what i can tell HMRC dont often get these cases wrong...

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You need to look in our HMRC forum they often get it wrong or not 100% right 

 

I didn't say use any search engine.

 

Goto the HMRC website 

In their search..type SAR

 

Simples.

 

Dx

 

 

 

 

 

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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Share on other sites

22 hours ago, Feelingdownandout said:

so just had an email from PRA, when i spoke to them yesterday, I advised them of my mental health condition, and how this worsened as a result of the domestic violence and financial abuse etc, and they have asked:

 

We would like to understand a bit more about your health and we've attached a Debt and Mental Health Evidence Form and Consent Form (DMHEF) to be completed by your chosen health or social care professional. This should help us know more about: 

 

 

what do I do?  they have also sent me and I&E form....

any advice on how i handle this?  they have given me 30 days to respond...

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none of their ruddy business ignore

 

 

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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Share on other sites

as most have been sold 

thats quite probable

you never know why they were sold on.

 

dx

 

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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Share on other sites

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