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Back in 2006 I had emergency surgery for a massive disc prolapse. I was off work for quite a while and the slow recovery process and started suffering from depression. I changed jobs and we moved to another part of the country hoping for a fresh start but unfortunately my condition got worse so more surgery and even worse than I was before.
I lost my job and ended up falling behind with all my payments. Prior to this I would always pay the full amount every month but after the 2nd lot of surgery it was obvious I will not be able to work and have to accept that this is how I will be.
I had no idea how to deal with it and eventually the debts were over by Cabot in 2010/11. I have been making token payments ever since of £1 for all of the debts.
A few months ago they started pestering me for a financial assessment form. I told them that I only receive ESA and PIP now and it’s unlikely to change.
the lady I spoke to advised me to send in evidence of medication, doctors letter and any other evidence.
I sent them about 7 letters from different healthcare teams I’m under and proof of income. A month later they wrote back and said they won’t write off the debts as the medical evidence is over 12 months old which they were but only between 2-3 months over.
I have now managed to get a letter from my GP which states my condition is for life and unlikely to improve but get worse as I get older. He also wrote about my mental health and depression telling them I suffer from severe depression.
My prescriptions all show my medication and a quick google search of the medication would tell them what and how strong it is. 3 of my medication are controlled drugs.
I also asked them if they have any copies of my original agreements to which they said they don’t but I still have to pay the token payments and even though they have been provided with an up to date letter they have said I need to send one which is less than 12 months old so clearly no one has looked at the date.
Two of the credit cards were taken out between 1996 and 2003. One is a loan from 2008 and the other was an overdraft
The original accounts were with Halifax and I recall they did provide all the credit agencies about not paying the debts.
Is there anything more I can do as I just keep getting letters every 6 weeks from the sensitive team that they want me to call them and speak to me about my health to keep their records updated.
I lost my job and ended up falling behind with all my payments. Prior to this I would always pay the full amount every month but after the 2nd lot of surgery it was obvious I will not be able to work and have to accept that this is how I will be.
I had no idea how to deal with it and eventually the debts were over by Cabot in 2010/11. I have been making token payments ever since of £1 for all of the debts.
A few months ago they started pestering me for a financial assessment form. I told them that I only receive ESA and PIP now and it’s unlikely to change.
the lady I spoke to advised me to send in evidence of medication, doctors letter and any other evidence.
I sent them about 7 letters from different healthcare teams I’m under and proof of income. A month later they wrote back and said they won’t write off the debts as the medical evidence is over 12 months old which they were but only between 2-3 months over.
I have now managed to get a letter from my GP which states my condition is for life and unlikely to improve but get worse as I get older. He also wrote about my mental health and depression telling them I suffer from severe depression.
My prescriptions all show my medication and a quick google search of the medication would tell them what and how strong it is. 3 of my medication are controlled drugs.
I also asked them if they have any copies of my original agreements to which they said they don’t but I still have to pay the token payments and even though they have been provided with an up to date letter they have said I need to send one which is less than 12 months old so clearly no one has looked at the date.
Two of the credit cards were taken out between 1996 and 2003. One is a loan from 2008 and the other was an overdraft
The original accounts were with Halifax and I recall they did provide all the credit agencies about not paying the debts.
Is there anything more I can do as I just keep getting letters every 6 weeks from the sensitive team that they want me to call them and speak to me about my health to keep their records updated.
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