HELP! disabled with so much debt

[joshing]

Re: HELP! disabled with so much debt

Received cca from lloyds this morning, signed copy of agreement with no date & some other docs with terms & conditions, cnt even remember signing these so was a long while ago, we are thinking 2006/7. It says it is enforcible!

[Undercover Elsa]

Re: HELP! disabled with so much debt

I'd be very wary of doing that tbh..see what others think...

[joshing]

Re: HELP! disabled with so much debt

I suppose I could get him to send a cca? although he has never lived at this address.

[Undercover Elsa]

Re: HELP! disabled with so much debt

Shame, as many of these old catalogue debts are unenforceable

[joshing]

Re: HELP! disabled with so much debt

I dont think I have a choice really, i did try to change the name but was unable to do so.

[Undercover Elsa]

Re: HELP! disabled with so much debt

That's good. It would be tricky if you stopped paying as obviously they would chase your ex for the money, not you. Are you able to keep paying this till it's done?

[joshing]

Re: HELP! disabled with so much debt

There is about £550 and I was paying £35 a month, to be honest it is the one that I liked, have had the longest and have kept up because was the most useful for things. I havent sent a cca especially once i realised it wasnt even in my name. I spoke to my ex hubby last night about it as we are still good friends and he said not to worry about it, his not bothered that it is in his name.

[Undercover Elsa]

Re: HELP! disabled with so much debt

Hi Jilly,
How much is left to pay on this, and what amount have you been paying each month?
Did you send a CCA Request for this one?
(Sorry for all the questions, just need to know the best way to handle this one )

[joshing]

Re: HELP! disabled with so much debt

I did continue to order & pay without realising it was in his name cause it just said Mr, it was probably always mr without me ever taking any notice.

[Undercover Elsa]

Re: HELP! disabled with so much debt

Hi Jilly,
Have you ordered stuff from it yourself where you live now? Or is it solely his debt?

Elsa x

[joshing]

Re: HELP! disabled with so much debt

I have also just realised after going through paperwork that a catalogue that dates back ten years is still in my ex husbands name I have never changed it just kept paying it, how do i deal with this one.

[joshing]

Re: HELP! disabled with so much debt

Phone calls & texts from vanquish everyday, ( considering we had a letter from impact?) they leave a message saying we need to contact you urgently. They must have the cca's by now, they signed for it. I think they have trained all there staff to just sign it stupidly so it cannot be reconised.

[IF]

Re: HELP! disabled with so much debt

How do you find out if a postal order has been cashed please? does anyone knoe?

To see if your Postal Order has been cashed you will need to write -

Postal Order Correspondence Section
Post Office Ltd
1 Future Walk
Chesterfield
S49 1PF

Also you will need to enclose the receipt (do keep a copy) this will have the reference number of the P.O.

You need to include your name and address and a covering letter explaining the problem.

Unfortunately, there is no other way to check to see if the Order has been cashed. The Post Office don't yet do a online track and trace for P.O.'s

[joshing]

Re: HELP! disabled with so much debt

How do you find out if a postal order has been cashed please? does anyone knoe?

[joshing]

Re: HELP! disabled with so much debt

I've just deleted that letter you left your ref No on......

OOpps and I thought I'd een so careful. Many thanks.