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Hi, I'm new to this, but thanks to a friend and a conversation we had this weekend over debts, realise I should have come here over a year ago!
I am a single parent of 2, sadly on benefits, having been laid off 18 months ago. Living in a rented house, and have no vehicle.
I have 2 defaults, one for a store card defaulted July 05, and one for a credit card defaulted October 05.
(My ex was meant to pay these off, destroyed the cards, I paid him, he paid bills, he told me he had, he didn't. Both cards were in my name, so lesson learnt!)
We split up.
Fast forward to late 2008, I get contacted on my mobile (??) by Lowell informing me that they were currently outside my house, with a van, my window's were open and if I didn't make payment immediately, I'd be coming home to an empty house! I was at work at the time, unable to leave the 28 delegates to come home and get this mess sorted out, and tbh was in a hell of a state! I explained what I knew, which was obviously wrong not that I knew that at the time, and the upshot, after a lot of arguing, was that they agreed to take payments, can't remember how much now.
Bear in mind, I had recieved NO letters, NO visits, and genuinely knew absolutely nothing about any of this
You seriously don't want to even know about the conversation content I had with the ex that night! Good job he was a long way away at the time, or I'd have been paying with something of his on a platter! :grumble
(I have since found out that there is nothing I can do about the arrangement I had with him, particularly because he's confirmed he'll deny there even WAS an agreement)
Anyway, I digress.
Fast forward to March 09, I lost my very well paid job and so could no longer maintain the payments at the original rate. Called Lowell the same day, informed them of my new circumstances, and they agreed to take new payments 1@ £2.50 pm the other @ £5pm whilst I sorted out my Income Support, Housing Benefit and Council Tax benefit.
All payments have been made on time, religiously, as they come out by DD.
Once I had got used to the drastically reduced income, I was able to free up and extra £5, which I asked to split between the two debts, they advised against this and put the lot to the smaller debt, so the payments now stand at £7.50 and £5 per month
The smaller debt : will be paid off at the current rate in 2013 Default date Oct 05
The larger debt : will be paid off at the current rate in 2019 Default date Jul 05
I would just like to know if anyone has any advice over whether I can do anything about this?
Apologies for it being so long
I am a single parent of 2, sadly on benefits, having been laid off 18 months ago. Living in a rented house, and have no vehicle.
I have 2 defaults, one for a store card defaulted July 05, and one for a credit card defaulted October 05.
(My ex was meant to pay these off, destroyed the cards, I paid him, he paid bills, he told me he had, he didn't. Both cards were in my name, so lesson learnt!)
We split up.
Fast forward to late 2008, I get contacted on my mobile (??) by Lowell informing me that they were currently outside my house, with a van, my window's were open and if I didn't make payment immediately, I'd be coming home to an empty house! I was at work at the time, unable to leave the 28 delegates to come home and get this mess sorted out, and tbh was in a hell of a state! I explained what I knew, which was obviously wrong not that I knew that at the time, and the upshot, after a lot of arguing, was that they agreed to take payments, can't remember how much now.
Bear in mind, I had recieved NO letters, NO visits, and genuinely knew absolutely nothing about any of this
You seriously don't want to even know about the conversation content I had with the ex that night! Good job he was a long way away at the time, or I'd have been paying with something of his on a platter! :grumble
(I have since found out that there is nothing I can do about the arrangement I had with him, particularly because he's confirmed he'll deny there even WAS an agreement)
Anyway, I digress.
Fast forward to March 09, I lost my very well paid job and so could no longer maintain the payments at the original rate. Called Lowell the same day, informed them of my new circumstances, and they agreed to take new payments 1@ £2.50 pm the other @ £5pm whilst I sorted out my Income Support, Housing Benefit and Council Tax benefit.
All payments have been made on time, religiously, as they come out by DD.
Once I had got used to the drastically reduced income, I was able to free up and extra £5, which I asked to split between the two debts, they advised against this and put the lot to the smaller debt, so the payments now stand at £7.50 and £5 per month
The smaller debt : will be paid off at the current rate in 2013 Default date Oct 05
The larger debt : will be paid off at the current rate in 2019 Default date Jul 05
I would just like to know if anyone has any advice over whether I can do anything about this?
Apologies for it being so long
ya 
(can't find a scared smiley lol)
)
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