HELP! disabled with so much debt

[Pixie]

Re: HELP! disabled with so much debt

Send the Threat of doorstep visit Omit the first sentence if they haven't been phoning you.

[joshing]

Re: HELP! disabled with so much debt

That's a bog standard letter from Bryan Carters. I've had identical letters (apart from amounts etc) from them. I would send Threat by Creditor - To Commence Litigation

I am a little worried about this one as Niddy says its enforcible!!!! especially as it states if you dispute liability for this debt then provide reasons why..... dont suppose i could write back saying I just cant afford to pay it. nah thats a bit rude.

[Pixie]

Re: HELP! disabled with so much debt

I've been blagging some enforceable debts for 3 years...

It's up to you what you do at the end of the day.

If you send the template I suggested that gives the reasons you're disputing liability

[joshing]

Re: HELP! disabled with so much debt

Originally Posted by jillyiant
Type of account (credit card/loan) CAPITAL ONE CARD
Date commenced (ideally before Apr 2007) 08/01/04

Approx balance £2144

Date last paid (approximate date you last made a FULL payment ) 27/03/13

Are you on arrangement or not paying NOT PAYING

Status (default/in arrears/up-to-date) DEFAULT

Account owner (who is writing to you, a DCA or the lender) FREDRICKSON INTERNATIONAL




Finally able to start these diaries, going to take me a while but doing it in order of what I think are the biggest threat. Niddy said this one was enforcible so need to know what to do next on this one.





1/5/13 Notice of sum arrears
5/5/13 statement of default
14/5/13 letter from cougar
21/5/13 cca requested
22/5/13 cougar letter time to pay?
29/5/13 power to contact letter home visit
5/6/13 doorstep letter sent
12/6/13 credit solutions? reply to doorstep letter account held 21 days
1/7/13 cougar final warning letter
22/8/13 cca received
22/8/13 sent to niddy ...ENFORCIBLE
3/9/13 letter from cap one passing to fredrickson
10/9/13 letter from fredrickson pay now
4/9/13 missing prescribed terms letter sent to fredricksons
25/09/13 letter received from fredrickson ..letter before action (is being considered) as an after thought on the letter.

Received this letter from freds today.[ATTACH=CONFIG]10233[/ATTACH]

Any advice on my next move please
[ATTACH=CONFIG]10392[/ATTACH]This is the letter received from Bryan Carter ???? Do I make an offer

Received this morning 14/11/13 from freds





They just keep on coming, wish I could make them realise we just cannot afford to pay! even more so now we are in an adaoted property as the bills are a lot more. What can I do now please???

[joshing]

Re: HELP! disabled with so much debt

Alternatively I'd look at requesting debt write off based on likelihood of gaining any success for recovery.

It's another alternative. Lenders must treat you differently as disabled; and rightly so. By that I mean once you notify them of your disability they are bound to treating your properly and that means not ringing 100's of times a day and not sending silly doorstep collectors. It is designed to not affect your existing condition.

Point here is, you might get a few letters but we can help you deal with those. For now I'd seriously consider cessation of ALL payments and look at requesting a debt write off. We can help with this, but you need to want it and want to cease payments. It must be your decision what path you choose but seriously you're throwing money away paying into an endless pit. Why bother?

They can't touch you if you have no realisable assets

I think we are getting to this stage now when we have to inform them of our position as the calls are coming again many a day and the letters are starting to GET ON MY NERVES!

[Undercover Elsa]

Re: HELP! disabled with so much debt

Jilly, I think you first need to do a new Income & Expenses sheet to reflect your current position.
Looking at the last one from May, I notice you have £43.37 pm listed for TV Licence/Rental. Is that correct?
Also I can't see an entry for rent/council tax...are they completely covered by Housing Benefit? If I were you I'd generally tidy the I&E up..avoid putting round figures such as £100 for things such as travel costs. Gas & Electric put your actual monthly payment etc.
Once that's done we can sort you a letter out to go with it xxx

[joshing]

Re: HELP! disabled with so much debt

Jilly, I think you first need to do a new Income & Expenses sheet to reflect your current position.
Looking at the last one from May, I notice you have £43.37 pm listed for TV Licence/Rental. Is that correct?
Also I can't see an entry for rent/council tax...are they completely covered by Housing Benefit? If I were you I'd generally tidy the I&E up..avoid putting round figures such as £100 for things such as travel costs. Gas & Electric put your actual monthly payment etc.
Once that's done we can sort you a letter out to go with it xxx

Ok thank you Elsa I will get right on it, I think I just done it real quick last time and put down the telephone internet and tv suscription to virgin media together, it is quite high as thats all my partner has to do is watch tv, it keeps him busy. Can you give me the link again to the expenses sheet please.

Just found it.... do i do it in both names? or just his

[Undercover Elsa]

Re: HELP! disabled with so much debt

Hi Jilly..do it in both names and email me a copy for checking xx

http://mymoney.nedcab.org.uk/moneyadvice/quickfs.asp

[joshing]

Re: HELP! disabled with so much debt

Note to self lol All done and sent to Elsa awaiting advice.

[Undercover Elsa]

Re: HELP! disabled with so much debt

Received OK..just pm'd a query :-)

[Undercover Elsa]

Re: HELP! disabled with so much debt

Tomorrow I'll read back through your thread/emails and put a letter together taking your very severe and unusual health issues into account, then run it by Niddy. So you can relax tonight honey, nothing's going to happen.

[Never-In-Doubt]

Re: HELP! disabled with so much debt

Thanks for sorting this Elsa

[joshing]

Re: HELP! disabled with so much debt

Tomorrow I'll read back through your thread/emails and put a letter together taking your very severe and unusual health issues into account, then run it by Niddy. So you can relax tonight honey, nothing's going to happen.

Many thanks think I need to let all of them know now that its a case of us not being able to pay not just not wanting too! My partners health is all I worry about so its down to me to try sort it all out rather than him be worried about it adding to his problems.

[Undercover Elsa]

Re: HELP! disabled with so much debt

It's a pleasure

[SaltnVinegar]

Re: HELP! disabled with so much debt

I think we are getting to this stage now when we have to inform them of our position as the calls are coming again many a day and the letters are starting to GET ON MY NERVES!

Hi Jillyiant

I know its easier said than done but try not to let the letters and calls get on your nerves. They are designed to do exactly that, to harass you and get you to a state of stress where you may make a decision you wouldn't in normal circumstances (e.g. you pay them a sum of money which means you cannot afford to pay the heating).

In fact, if they are calling you continually, and you have asked them not to a recent court of appeal judgement has made it clear that creditors have no legal right to continually telephone debtors.

What you should do is start taking down records of the phone calls to prove a conduct of harassment. If you're able to record any conversation (with your mobile phone for example), then this is even better so you can get a transcript of the calls. You may then be able to turn the tables on them.

Remember - YOU are in control, NOT them. They are not worth letting them affect your health.

Best
SnV