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Hi all
Well not so much of a diary more of a 'where i am'...just to help those who feel there isn't an end to the tunnel. My problems started about 8 years ago when the ex who had developed mental health problems took me into debt to the tune of 80 - 100k (and a few more thousand that popped up later). The how and why it was hidden are another story but needless to say found myself at the end of banks, CCC and DCA threats and harassment. The tactics they used were appalling and initially i had no idea how to deal with all this stuff so floundered and got stressed with it all. Eventually had to sell the house which left the proceeds to pay off creditors (except i found the other half had acquired CCJs and charging orders which had to be paid from the proceedings of the house).
After a few years came across Niddy on some other sites (which i won't mention
) and followed a lot of his advice which helped tremendously. So following this managed to get some refunds from the CCC, negotiated settlements (although a couple wouldn't budge) and started to go down the unenforceability route with the DCAs which brings me up to now(ish).
So one became statute barred a month or so ago and anyway they never produced a CCA so this is fine with me.
One fairly soon although they seem to have cottoned on I have moved address, and didn't bother to tell them, so am getting almost daily letters. Keeps the privatised postie in a job as well as the recycling service so they can keep sending them.
Another in February and thus far they haven't come up with a CCA and have gone quiet since i reminded them they had defaulted on sending this.
One left which i am paying 50p a month (for the next 676 years) even though they keep inviting me to ring them and have a chat about this (some hope!). I might do a SAR request in 2689 so they have to print thousands of pages....well if i was alive i might!
And in the last few months got a Vanquis card which is helpful and will dump this as soon as credit rating improves.
So lots of up and downs, stresses and **it......but getting there and so hopefully by early next year will be financially okay. If this gives somebody a bit of hope then that will be great....as there is always someone worse off. It reminds me of someone i know whose brother found in himself in the same situation as me but his wife racked up debts of 250,000!
Tierisch
Well not so much of a diary more of a 'where i am'...just to help those who feel there isn't an end to the tunnel. My problems started about 8 years ago when the ex who had developed mental health problems took me into debt to the tune of 80 - 100k (and a few more thousand that popped up later). The how and why it was hidden are another story but needless to say found myself at the end of banks, CCC and DCA threats and harassment. The tactics they used were appalling and initially i had no idea how to deal with all this stuff so floundered and got stressed with it all. Eventually had to sell the house which left the proceeds to pay off creditors (except i found the other half had acquired CCJs and charging orders which had to be paid from the proceedings of the house).
After a few years came across Niddy on some other sites (which i won't mention
) and followed a lot of his advice which helped tremendously. So following this managed to get some refunds from the CCC, negotiated settlements (although a couple wouldn't budge) and started to go down the unenforceability route with the DCAs which brings me up to now(ish).So one became statute barred a month or so ago and anyway they never produced a CCA so this is fine with me.
One fairly soon although they seem to have cottoned on I have moved address, and didn't bother to tell them, so am getting almost daily letters. Keeps the privatised postie in a job as well as the recycling service so they can keep sending them.
Another in February and thus far they haven't come up with a CCA and have gone quiet since i reminded them they had defaulted on sending this.
One left which i am paying 50p a month (for the next 676 years) even though they keep inviting me to ring them and have a chat about this (some hope!). I might do a SAR request in 2689 so they have to print thousands of pages....well if i was alive i might!
And in the last few months got a Vanquis card which is helpful and will dump this as soon as credit rating improves.
So lots of up and downs, stresses and **it......but getting there and so hopefully by early next year will be financially okay. If this gives somebody a bit of hope then that will be great....as there is always someone worse off. It reminds me of someone i know whose brother found in himself in the same situation as me but his wife racked up debts of 250,000!
Tierisch
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