Pat's Debts

[Pixie]

Re: Pat's Debts

Just let us know when you receive anything back from them.

[Pat]

Re: Pat's Debts

I have sent off the cca requests . Do I just wait now?


I have googled stepchange and will give them a call

[Never-In-Doubt]

Re: Pat's Debts

Thank you
I have found the cca request but am not sure what it will do. What happens when I stop paying
I really want o try and deal with them nicely so that when I am back at work things will be ok

ok so look to speak to a free DMP provider such as Stepchange......

[cymruambyth]

Re: Pat's Debts

Hi Pat

depending on the reply to your CCA request your debts may not be enforceable. You are not being told go down the unenforceable route, but it may give you different options to deal with everything.

unfortunately not all lenders and DCAs play nicely!

[Pat]

Re: Pat's Debts

Thank you
I have found the cca request but am not sure what it will do. What happens when I stop paying
I really want o try and deal with them nicely so that when I am back at work things will be ok

[PlanB]

Re: Pat's Debts

thanks PlanB. I forgot to explain

[Never-In-Doubt]

Re: Pat's Debts

You'll need to register on the AAD main website to access that template letter (if you haven't already done that). Do it using the same username and password that you used to register for the forum. It may take a few hours to process after that.

It's just an added security precaution which is explained here: http://forums.all-about-debt.co.uk/s...l=1#post389442

thanks PlanB.

I forgot to explain

[PlanB]

Re: Pat's Debts

--> http://www.all-about-debt.co.uk/inde...1-starting-out

You'll need to register on the AAD main website to access that template letter (if you haven't already done that). Do it using the same username and password that you used to register for the forum. It may take a few hours to process after that.

It's just an added security precaution which is explained here: http://forums.all-about-debt.co.uk/s...l=1#post389442

[Never-In-Doubt]

Re: Pat's Debts

but what is a cca?

--> http://www.all-about-debt.co.uk/inde...1-starting-out

[Pat]

Re: Pat's Debts

Hello
To answer your questions , I rent a small 2 bed house and have applied for sick benefit and housing benefit.

Sorry but what is a cca?

[Never-In-Doubt]

Re: Pat's Debts

Ok not working and not a homeowner - send a cca and stop payments and try living for now.... That's what I'd be looking at

[PlanB]

Re: Pat's Debts

now my job has finished?

I was on a fixed term contract. It is unlikely now that I will get any job until my health problems are fixed. I am on the waiting list for an Op and once that I over I will need another one with a 3-6 month rehab.

If you're no longer working have you applied for any relevant benefits? If you're not a homeowner you're probably renting (unless living with a family member) in which case have you applied for Housing Benefit to cover the rent?

[PlanB]

Re: Pat's Debts

Are you a homeowner?

if so, sole or joint?

Niddy isn't being nosey, he's carrying out a risk assessment


Pat says she's not a homeowner on her profile page.

[Never-In-Doubt]

Re: Pat's Debts

Are you a homeowner?

if so, sole or joint?

[Pat]

Re: Pat's Debts

Thank you for the replies and sorry it has taken me so long to get back.
I do not have any insurances as it didn't seem worth it as I was on a fixed term contract.

It is unlikely now that I will get any job until my health problems are fixed. I am on the waiting list for an Op and once that I over I will need another one with a 3-6 month rehab.

Sorry my savings are minimal , enough really to top me up for a month or so now. I have the car but if I sell it, it will not pay off the loan and I do need it. Maybe I could get an old banger instead