ill health and in debt

[wannagethelp]

All done, letter to t mobile registered post and cc to wescot faxed to both numbers today!

 

I've been so busy trying to get everything sorted for my son I'd neglected my own matters, typical mum I am, but, for anyone who is interested, I've started a new thread for myself, in the debt forum,,,,its an old issue but I'm forging forward now, feel strong and determined.

 

Oh, and Ltsb have till this Friday, 31st to put in a defence for my bank charges............ onward and upwards! A big thank you to all the people giving their support

 

x

[hedgey06]

Good luck honey, I think you're an absolute star supporting your son and neglecting yourself. Typical mum like you say! I have a funny feeling though, that your reward will come when you finally see the weight lift off your son's shoulders. And when it does, it'll be thanks to you. You're a pretty special lady, lots of luck and love, hedgey xxx

[laura_d]

Good luck with everything - sounds like you & your son really deserve it at the moment!!

[fendyweather]

Couldnt agree more. Sometimes the first step is simply about being brave and feeling that youve had enough. Youve done exactly that. Challenged. And as my friend Parkvale keeps telling me. Fortune favours the brave. And that you are my friend, that you are. B R A V E. Fendy xxxx

[wannagethelp]

Good morning,

 

I was so overwhelmed by the posts I've received, it really does help people this site, thank you.

 

Some brilliant news,,,,,,,,,t mobile rang me yesterday, a nice lady spoke with me for ages about this latest, almost £1400 bill. She apologised for the company not initially listening or negotiating with my son and she said if I paid £300 today (I get paid today), then the outstanding money/bill will be taken off due to the circumstances, the phone will be reconnected, she offered me a cheaper, £25 d/d per month from my bank account, but still in my sons name, a smaller tarrif with the option to top up when the 150 minutes runs out, then its sort of pay as you go till the next month limit, then she said about the default, that she hoped she could get that taken off, I then said I inist on it because if they had initially been offered by my son, more than once he tried, a monthly payment added to his d/d to clear it and they had refused point blank, she then said it takes approx 72 hours to know if they can do that, so my question is,,,,,,,,,,shall I not pay the £300 today (this will take a huuuuuge piece of my wages), until they can confirm they have removed /cancelled any default on my sons credit as I know this sounds silly but I'm really angry about that as he has always paid everything and I do feel strong about it..........

 

Sorry for rambling, but my head is racing and I'm worried I'll pay the money this morning, which will skint me but it will be worth it if to stop this.

[Parkvale]

Funny now the tide is turning against them they are starting to listern. You must do what is right for you and your circumstances. Good luck.

[ladybird17]

Personally, I would call her again, thank her for help, and say that you have been advised that this new arrangement should be put IN WRITING - when you have received it in wrting then it can all take place. Now that is what I would do, because what proof do you have that she has said any of this to you? If for any reason, they renege on what she has said, then you are back to square one - or possibly past it, as they may still continue to impose penalties and harass you for payment.

 

Just my take it on it - obviously the decision is yours.

Keep posting

[kfdh1962]

I think ladybirds advice is spot on. tell them you will pay the agreed sum once they have confirmed everything in writing, for your own protection and piece of mind

[scareywood]

Hi

Providing your son had no evidence of mental illness when he took out ppi and depending on clauses they should pay out. Also reclaiming charges good way to go although it will make the bank mad (good)

 

both my siblings are bipolar and when manic get them into finanacial mess, my sister owed over £6000 to different banks etc negociated full and final payment to all £2900. My brothers last bout of illness the bank gave him a loan even though he was obviously ill after many letters bank finally wrote it off.

 

never pay full amount,remember banks are in business to lend, it may seem personal but business is business and do not be intimidated by banks. I wish you and your son well good luck

[wannagethelp]

Hello everyone,

 

Sorry for the delay in posting but been trying to keep all the balls in the air, so to speak,,,,,,,but some good news,,,,,,yes more,,,,,,t mobile sent my son a replacement phone and said I could upgrade my one end of the month,,,,,,both are back on line,,,,,,so happy ending:)

 

Then,,,,,,Natwest told me a letter is in the post offering a settlement of approx £600,,,,,instead of £1,100,,,,,,,,can he accept that in part and carry on with the claim?

[Parkvale]

wannagethelp,

NatWest are trying this on everyone. The choice is yours, but in my opinion hold out. It is not a huge sum and they do seem to settle these amounts quicker. Is this £1100 just charges or inclusive of interest ? http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

[Pondfish]

Hi wannagethelp,

 

Excellent, things are really beginning to move in the right direction for you!

How's your son, is he feeling any better?

 

With regard to Natwest's offer, i would use the link provided by Parkvale to send a letter of rejection. The letter will say that you accept the offer in part payment only, not as full and final settlement, and that you will continue your actions to recover the full amount.

 

Pondfish

[wannagethelp]

Hello again,

 

Thanks for the responses,,,,,,I'm not sure which letter would apply yet as offer letter not got here yet,,,but as soon as it does I will get typing and get a letter straight back to them,,,,

 

The £1,1xx.xx was just the charges, so should I keep going?

 

Thanks again everyone who has read my posts and am overwhelmed with the support from this site,,,,,,,feel so empowered, stronger and hopeful:)

[Pondfish]

wannagethelp,

 

Yes i think you should keep going. They have offered £600 but you can claim £1,100 + interest. Why let these people get away with the balance?

 

It might take a little longer, but i think you have already begun seen the benefit of standing up against unfair charging. I think you have done an exceptional job in addressing your sons problems so far, and can go on to get this amount back too.

 

As you already know, we'll all bend over backwards to help and assist you on CAG!

 

Pondy

[Parkvale]

Pondfish is exactly right. It's your money taken unlawfully, which you have a legal right to claim back. Good luck.

[wannagethelp]

Yes, Pondfish is right,,,,,,,I will carry on with the claim,,,,,it doesn't matter if it takes longer does it because I never ever thought I would get this far with everything, and I really don't think I would have got off first base without the tremendous support I've had on this site, so, onward and upward:)

 

I'll keep everyone posted on any updates.

[Pondfish]

That's the spirit!

 

Pondy

[Parkvale]

:)

[wannagethelp]

Hello,

 

New to NafWest forum, but could anyone tell me if there is anyone that has started a claim for pre 6 years,,,,,going back to 1992,,,,

 

and have got their old statements requested from nw from that far back recently...?

 

I'm hoping to start a claim and a bit wobbly because I think its gonna be loads:)

[Parkvale]

You should have no problem requesting statements back to 1992. Nattie will be able to confirm this definately.Good luck.

[livelylad]

This explains.

 

http://www.consumeractiongroup.co.uk/forum/general/80683-please-post-how-far.html#post715506

[debbiVwoolwich]

Hi Wannagethelp

I sent the SAR letter to the Nat West, re account closed, they have sent a standard tick box letter back, ticking the .. we do not have details about this account, although on my sar letter which they sent back they have written the sort code and date it was closed.(1993)

I'm going to try again, as like you I had a huge amount of charges with this bank.

debbi