HELP! disabled with so much debt

[joshing]

Re: HELP! disabled with so much debt

Good morning everyone, All cca,s posted yesterday by recorded delivery, Do i wait to get these back before I do anything else? Impact has texted today, seems vanquish has now involved them, how the hell do they get your mobile number? I am now about to fill out the income & outgoing forms, Elsa do you want me to post it here?

[Never-In-Doubt]

Re: HELP! disabled with so much debt

do not contact any of the creditors for now.

[Undercover Elsa]

Re: HELP! disabled with so much debt

Hi Jilly,
Thanks for the info. So between you you're paying around £100 a month out of your benefits to these bloodsuckers?

This clearly can't continue. Sweetheart, I honestly wouldn't pay them another penny.

If you want to try for getting them written off, you will need to complete the income and expenses sheet I mentioned earlier, here> North East Derbyshire Citizens Advice Bureau and let me have a copy of the result so I can check it over for you. As it's obviously very private information don't post it on the thread, I'll private message you where to send it and only I and possibly Niddy (the forum administrator) will see it.

I may also need to ask for a bit more info on your health issues in private too in order to write the letter for you (I'm a retired nurse so I understand the terminology).

Let me know if that's what you want to do. There's no guarantees and it may take some time, but it's worth a try, and if all else fails you'd probably both qualify for a Debt Relief Order anyway.

Elsa xxx

[Undercover Elsa]

Re: HELP! disabled with so much debt

Ahhh, posts crossed while I was typing that

No don't post your I&E here Jilly.

How do you want to work this Niddy?

[joshing]

Re: HELP! disabled with so much debt

I have filled it in and can send by email if you would like.

[Undercover Elsa]

Re: HELP! disabled with so much debt

I've pm'd you the address

[Undercover Elsa]

Re: HELP! disabled with so much debt

Good morning everyone, All cca,s posted yesterday by recorded delivery, Do i wait to get these back before I do anything else? Impact has texted today, seems vanquish has now involved them, how the hell do they get your mobile number? I am now about to fill out the income & outgoing forms, Elsa do you want me to post it here?

If you can still get online for any of the accounts you could always change your number to this one on their records: Free Number to Issue Creditors - allaboutFORUMS

I reckon it will be a case of relaxing now until they fulfill the CCA requests. They can't enforce until they do so it should go quiet for a while.
Once we have those back we can better judge the best way forward.

I'll check back later to see if the I&E has come through Jilly, have to nip out for a while

[SA Gold]

Re: HELP! disabled with so much debt

It would be insanity on their behalf to pay a significant sum of money to take you to court

Sorry to hi-jack this thread, but this is with good reason a worry, or certainly something in the back of most AAD members mind.
Does anyone know ball park figures creditors would be looking at to take someone to court for a debt such as this?

[joshing]

Re: HELP! disabled with so much debt

Hi everyone cca's have been received as signatures obtained albeit really bad ones, signed and written Andrew & credit solutions on the other one.I have attached for all to see or rather I hope I have



Also a couple of letters we have received, thoughts please?

[Deepie]

Re: HELP! disabled with so much debt

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

[evilcartman]

Re: HELP! disabled with so much debt

CCA? sorry really new to all this.

Then you've come to the right place.

You're in good hands here, this is the only site that isn't riddled with trolls who defend the banks.

[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.

[joshing]

Re: HELP! disabled with so much debt

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

[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

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.