HELP! disabled with so much debt

[SA Gold]

Re: HELP! disabled with so much debt

Another strange thing happened this morning... in the post I got an application for a capital one card in my name, surely they must cross reference addresses and realise my partner has one his not paying?

Just automation here Jill.

[joshing]

Re: HELP! disabled with so much debt

Well time has gone so fast and we have heard nothing from vanquis or capital one , impact or cougar regarding cca's, do I have to do anything? or just wait. Another strange thing happened this morning... in the post I got an application for a capital one card in my name, surely they must cross reference addresses and realise my partner has one his not paying?

[ScabHunter]

Re: HELP! disabled with so much debt

There is no money in there so they won't get none. Will be opening account on Wednesday with coop hopefully if they will have us.

Good. I'll keep my fingers crossed for you.

SH

[joshing]

Re: HELP! disabled with so much debt

Never mind direct debits. If this is a Lloyds account you need to get all of your money out and get it closed, now. Get a new basic account opened as quickly as you can. You've got plenty of banks to choose from, as most of your alleged debts are not with High Street banks.

Safeguarding your income is the top priority. Get that done before you even think about anything else.

SH

There is no money in there so they won't get none. Will be opening account on Wednesday with coop hopefully if they will have us.

[joshing]

Re: HELP! disabled with so much debt

looks like this debt has been sold at some point to the national Australia Group so technically they should be holding your paperwork so Apex will need to ask for it, which they appear to have done.

I thought you were stopping payment on these?

They haven't been paid but I looked & direct debits haven't been completely cancelled only for last payment, due again in next few days. I will cancel again.

[ScabHunter]

Re: HELP! disabled with so much debt

Do I stop direct debits for these? or will they not try to take?

Never mind direct debits. If this is a Lloyds account you need to get all of your money out and get it closed, now. Get a new basic account opened as quickly as you can. You've got plenty of banks to choose from, as most of your alleged debts are not with High Street banks.

Safeguarding your income is the top priority. Get that done before you even think about anything else.

SH

[MrsD]

Re: HELP! disabled with so much debt

looks like this debt has been sold at some point to the national Australia Group so technically they should be holding your paperwork so Apex will need to ask for it, which they appear to have done.

I thought you were stopping payment on these?

[joshing]

Re: HELP! disabled with so much debt

Received this letter today from Apex re second account with National australia group.... who the hell are they? dont quite know what this is but reference coincides. Do I stop direct debits for these? or will they not try to take?

[ScabHunter]

Re: HELP! disabled with so much debt

Just about any bank other than HaemorrLloyds would do, as most of the other alleged debts are not with banks. Co-op Cashminder is as good as any, though.

SH

EDIT : I posted this with a cell phone while I was on a train, and I've just realised it could be misleading. What I should have said was that any bank other than one in the HaemorrLloyds group would do. That means you also need to avoid Hellifax, Bank of Scroatland and Painsbury's.

Co-op Cashminder is a basic account which will give you everything you need except a cheque book. I've had that one since 2007 and not had a problem with it. Yorkshire Bank is another one which is fully featured, and worth considering.

[MrsD]

Re: HELP! disabled with so much debt

ok the co-op cashminder will be fine, not connected to any of those

[joshing]

Re: HELP! disabled with so much debt

You can get a new basic account with most banks, no matter how bad your debts are as basic accounts are not credit checked apart from for ID verification/money laundering checks.

But ALWAYS avoid a bank you have debts with. Otherwise they can raid your account to pay debts you have with them.

Can you re-list who you have debts with so we can perhaps suggest where to go?

Yes sure, here goes..... capital one...( partner)
vanquish (partner)
lloydscredit card x 2 partner was paying a agreed payment £30month & myself-gone to apex
old morgan stanley myself gone to apex
marks & spencers store card up to date
simply be couple of months behind
littelwoods-additions agreed monthly payment up to date.

[MrsD]

Re: HELP! disabled with so much debt

i would try the co-op cashminder account, you can open one over the phone, you can have direct debits and a debit card but no overdraft or cheque book. This account is designed for peeps like all of us who have less than perfect credit records (and don't give a toss)

if you have debt with the bank where your current account or savings are, get it moved out pronto, they can "offset" and do

[Riz]

Re: HELP! disabled with so much debt

You can get a new basic account with most banks, no matter how bad your debts are as basic accounts are not credit checked apart from for ID verification/money laundering checks.

But ALWAYS avoid a bank you have debts with. Otherwise they can raid your account to pay debts you have with them.

Can you re-list who you have debts with so we can perhaps suggest where to go?

[joshing]

Re: HELP! disabled with so much debt

Does anyone know if there is any chance of us getting a new bank account opened? we have heard that as we have a debt with lloyds they may get "awkward" to say the least and as we both have accounts with them we are thinking perhaps we might need a new one. I have had a look at the new post office accounts but they all credit check so im thinking we have no chance.

[Undercover Elsa]

Re: HELP! disabled with so much debt

Hi Jilly,
Not at this stage, what should happen is that Power2Contact will pass your letter on to their client and they will respond putting the account on hold. If they want info on the health aspect they'll ask for it but until they produce an agreement there's no point getting involved in anything else. Let's save the big guns till we need them