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ok where to begin.... well my partner as had a few accounts with the catalogue companies for quite some time now, 2002 around about, we was doing ok until my partner starting getting things on the buy now pay later plan where things started to mount up. Due to these debts my partner was put on anti depression tablets as she couldn’t cope, been on them for years now. Now these tablets have certain side effects which were becoming more noticeable and it was affecting the relationship of my 5 children and myself, so like a silly bugger I suggested that we would move to try and give her a break from the reason she was on them.
That was in 2010 and when the default began, We have not acknowledge my partner as of living at our new address but recently the DCA's think they have found us because I took the credit cards debt with us that’s in her name, and continue to pay them as I don’t want to lose the cards. We are in good stead with the cards.
We have been receiving threading letters for a few months now but the one this morning warranted me to seek help in this matter, in which I found your site, as I don’t want the children to see people taking their personal belongings. The debt was passed to Lowell who has now passed on to Fredrickson .... Copy of some of the letter below..........
Dear XXXXXXXXX
LETTER BEFORE ACTION
THIS DEBT MUST BE PAID IN FULL TO THESE OFFICES WITHIN THE NEXT
7 DAYS OTHERWISE WE WILL TAKE IMMEDIATE ACTION.
There remains a balance outstanding on this account and legal action is now being considered. Should it be necessary to issue proceedings in the county court (or the sheriff court as may be appropriate), further additional costs will be added to the balance outstanding.
xxxxxxxxxxxxxx
xxxxxxxxxxxxxx
xxxxxxxxxxxxxx
xxxxxxxxxxxx
xxxxxxxxxx
If a judgment or Decree is obtained and remain unsatisfied a bailiff or sheriff officer may be instructed to recover assets to discharge the outstanding debt...........
Now what I want to know is, is this just another of them annoying letters to scare you into payment or have things really got this far? and what action can be taken to gain me some breathing space, because looking after a house and 5 children and worrying about my partner being around to see the kids grow up is getting a little too much for me at the moment. Don’t get me wrong, I’m not trying to avoid paying them, I just want to clear the credit cards first, which should be around April next year then I can put together a payment plan for these debts. All help on this matter would be appreciated.
That was in 2010 and when the default began, We have not acknowledge my partner as of living at our new address but recently the DCA's think they have found us because I took the credit cards debt with us that’s in her name, and continue to pay them as I don’t want to lose the cards. We are in good stead with the cards.
We have been receiving threading letters for a few months now but the one this morning warranted me to seek help in this matter, in which I found your site, as I don’t want the children to see people taking their personal belongings. The debt was passed to Lowell who has now passed on to Fredrickson .... Copy of some of the letter below..........
Dear XXXXXXXXX
LETTER BEFORE ACTION
THIS DEBT MUST BE PAID IN FULL TO THESE OFFICES WITHIN THE NEXT
7 DAYS OTHERWISE WE WILL TAKE IMMEDIATE ACTION.
There remains a balance outstanding on this account and legal action is now being considered. Should it be necessary to issue proceedings in the county court (or the sheriff court as may be appropriate), further additional costs will be added to the balance outstanding.
xxxxxxxxxxxxxx
xxxxxxxxxxxxxx
xxxxxxxxxxxxxx
xxxxxxxxxxxx
xxxxxxxxxx
If a judgment or Decree is obtained and remain unsatisfied a bailiff or sheriff officer may be instructed to recover assets to discharge the outstanding debt...........
Now what I want to know is, is this just another of them annoying letters to scare you into payment or have things really got this far? and what action can be taken to gain me some breathing space, because looking after a house and 5 children and worrying about my partner being around to see the kids grow up is getting a little too much for me at the moment. Don’t get me wrong, I’m not trying to avoid paying them, I just want to clear the credit cards first, which should be around April next year then I can put together a payment plan for these debts. All help on this matter would be appreciated.
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