Sara2 UE Diary

[sara2]

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??

[sara2]

Re: Sara2 Diary

• Type of account- credit card
• Date commenced- 1998
• Approx balance- 2500
• Date last paid- 1/11/2012
• Are you on arrangement or not paying- not paying
• Status- in arrears
• Account- owner HALIFAX

[sara2]

Re: Sara2 Diary

• Type of account- credit card
• Date commenced- 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??
12/12/12 CCA sent

[sara2]

Re: Sara2 UE Diary

• Type of account- professional loan
• Date commenced- around 2001
• Approx balance- 4000
• Date last paid- 1/11/2012
• Are you on arrangement or not paying- not paying
• Status- in arrears
• Account- owner Barclays

It started as 15000, I have been paying 250 every month for the past 8 years!! I have no agreement for this yet.
13/12/12 CCA sent

[sara2]

Re: Sara2 UE Diary

• Type of account- overdraft
• Date commenced- around 1999
• Approx balance- 2600
• Date last paid- 1/11/2012
• Are you on arrangement or not paying- not paying
• Status- in arrears
• Account- owner Barclays
It started low limit, and it got increased few times!! I have no agreement for this yet.

10/12/12 CCA sent

[ScabHunter]

Re: Sara2 UE Diary

As my replies don't seem to have been moved over I'll link to them here. Still valid.

allaboutFORUMS - View Single Post - Help and advice please

allaboutFORUMS - View Single Post - Help and advice please

SH

[sara2]

Re: Sara2 UE Diary

• Type of account- Loan
• Date commenced- 2008
• Approx balance- 700
• Date last paid- 1/11/2012
• Are you on arrangement or not paying- not paying
• Status- in arrears
• Account- owner HALIFAX

It was 5000 loan initially with ppi, I asked to stop the ppi after a year. I was asked to sign a new agreement but no pppi rebate, and I want to claim ppi for the year. I think with ppi it was unenforceable but now could be good agreement. May be the ppi claim will pay this off?

12/12/12 CCA sent

[sara2]

Re: Sara2 UE Diary

• Type of account- Credit card
• Date commenced- 7/2007
• Approx balance- 2800
• Date last paid- 11/11/2012
• Are you on arrangement or not paying- not paying
• Status- in arrears
• Account owner- Citi then Opus

I still need to send CCA request who do I send it to Opus or Citi?? this is funny, I opened an account with Citi online, and I don't remember asking for credit card but I received a credit card too.
13/12/12 CCA sent

[IF]

Re: Sara2 UE Diary

Sara I've locked your other thread to save confussion and here is SH post to you

IF...x

As my replies don't seem to have been moved over I'll link to them here. Still valid.

allaboutFORUMS - View Single Post - Help and advice please

allaboutFORUMS - View Single Post - Help and advice please

SH

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

[sara2]

Re: Sara2 UE Diary

• Type of account- Credit card
• Date commenced- 07/02/2006
• Approx balance-200
• Date last paid- 1/11/2012
• Are you on arrangement or not paying- not paying
• Status- in arrears
• Account owner- Natwest

I might pay this, as it is not huge but with all other debts I had I could not pay more than minimum. I have both ppi miss old claim and charges that I need to file after I get my SAR back.

[sara2]

Re: Sara2 UE Diary

Sara I've locked your other thread to save confussion and here is SH post to you

IF...x

Thank you, problem is I work for known organization, and even if I changed my number ( if I can ) they can find me though switchboard.

[sara2]

Re: Sara2 UE Diary

• Type of account- overdraft
• Date commenced- around 2008
• Approx balance- 2500
• Date last paid- 1/11/2012
• Are you on arrangement or not paying- not paying
• Status- in arrears
• Account- owner Halifax

with all the charges I could not pay it or close the account, and now increased to £2 a day!

10/12/12 CCA sent

[sara2]

Re: Sara2 UE Diary

• Type of account- Credit card
• Date commenced-2008
• Approx balance- 1500
• Date last paid- 1/11/2012
• Are you on arrangement or not paying- not paying
• Status- in arrears
• Account- owner Vanquis

After a day of missed payment, they have been calling me from 5 different numbers so far, all blocked!

13/12/12 CCA sent

[sara2]

Re: Sara2 UE Diary

• Type of account- Aqua Credit card
• Date commenced-27/10/2008
• Approx balance- 750
• Date last paid- 1/11/2012
• Are you on arrangement or not paying- not paying
• Status- in arrears
• Account- owner- Halifax

Applied online.

[sara2]

Re: Sara2 UE Diary

• Type of account- Credit card
• Date commenced-2010
• Approx balance- 1250
• Date last paid- 18/11/2012
• Are you on arrangement or not paying- not paying
• Status- up to date SO FAR!
• Account- owner- HSBC
12/12/12 CCA sent