Re: Help and advice please
EDIT: Sara has started a diary herself
Thread locked to save confusion, all replies for sara2
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Re: Help and advice please
The best solution to the telephone harassment would just be to get a new work number, if you can. If not, there are harassment templates in the letters section, and also the site has a special number which you can give to alleged creditors as your own.
None of these are going to be 100% effective if the scum have already got hold of your number, so changing is best. If it is a standard landline you could also think about getting a TrueCall machine, but as far as I know they don't work on lines which go through switchboards.
Don't worry about not being able to say too much to them, because you shouldn't be saying anything to them at all. I recommend the standard procedure for dealing with nuisance calls - just put the receiver at the side of the phone and say nothing. About a minute later, replace it.
SH
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Re: Help and advice please
Originally posted by ScabHunter View PostIf you've got several alleged debts the best thing to do is start a diary, in the forum which is a sub-section of the one you've just posted in.
Have a butcher's at this one as a good example of how it should be done -
Pixie's UE diary - allaboutFORUMS
SH
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Re: Help and advice please
• Type of account- credit card
• Date commenced- 17/11/1999
• Approx balance- 3500
• Date last paid- 10/11/2012
• Are you on arrangement or not paying- not paying
• Status- in arrears
• Account- owner Barclaycard
They sent me the agreement with SAR but really bad copy, but still it looks unenforceable do I send for CCA??
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Re: Help and advice please
If you've got several alleged debts the best thing to do is start a diary, in the forum which is a sub-section of the one you've just posted in.
Have a butcher's at this one as a good example of how it should be done -
Pixie's UE diary - allaboutFORUMS
SH
Leave a comment:
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Help and advice please
Hi all,
I am looking for advice, I have so much debts I don’t know what to do. I have been paying them for years but I could not manage more than the minimum so I could never pay them off. Some of them very old, last month I have sent for SAR to see if there are charges I can claim, and Halifax one came with nearly £3000 charges over the years but the balance 2500. The agreement was also included, by reading the instructions in this website it could be unenforceable.
I have few questions;
can I still claim my charges back even though I have stopped paying it?? Would the charges go to pay the outstanding balance?
What do I do now, do I pay token payments until I confirm the agreement?? I have now opened a new account and transferred my salary to it.
The other problem I am facing, that most creditors know my work number, although I don’t need the phone for my work, as suppliers prefer to call me in my mobile, I found it embarrassing that they will call me. I answered one call, and I could not say much as I share my office, so I hanged up, luckily we don’t share work number but how do I make sure they don’t call me at work??
The debts
• Type of account- credit card
• Date commenced- 30/1/1998
• Approx balance- 2500
• Date last paid- 1/11/2012
• Are you on arrangement or not paying- not paying
• Status- in arrears
• Account- owner HALIFAXLast edited by sara2; 7 December 2012, 11:20.
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