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  • #61
    Re: Chaplins diary

    Hi Chaplin,
    I'm here if you need me, just shout
    Have all the creditors frozen interest?

    One thing which springs to mind, is it possible for you to open a parachute account to have your wife's tax credits paid in?
    If they've been using right of set off on the joint account I'd be dumping that and start afresh with a new simple bank account for her at an unrelated bank, and keep your incomes separate.

    Elsa x

    Comment

    • #62
      Re: Chaplins diary

      How you doing x
      if you do it today and you like it you can always do it again tomorrow

      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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      • #63
        Re: Chaplins diary

        Originally posted by nanna58 View Post
        How you doing x
        Hi nana, thank you for asking.
        im doing ok, just got a letter to say Capquest have taken over one of my Arrow accounts!
        They say in there letter to ignore the previous letter as it implied I had more to pay.....( never had a previous letter)

        ive still been paying the £5 a month to each account, think it goes through Fredericken international (previous caretakers of the debt) and on to Arrow, kept receipts just in case.

        it doesn't ask for money as yet, so may write and ask if they want the £5 a month, once Arrow confirm they've taken over running of the account that is.
        Arrow global have bought out Capquest last year I think)
        Not heard about the other account with Arrow as yet. The saga goes on.

        Comment

        • #64
          Re: Chaplins diary

          Hiya ,sounds like an introductory letter .Maybe best not to write asking anything IMO wait for Capquest to write to you.That's what I think someone may suggest differently. xxxx
          if you do it today and you like it you can always do it again tomorrow

          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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          • #65
            Re: Chaplins diary

            Hi Chaplin

            Hows things with you? Have you heard anything more from Capquest?

            Best
            SnV
            "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

            The consumer is that sleeping giant.!!


            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

            Comment

            • #66
              Re: Chaplins diary

              Originally posted by SaltnVinegar View Post
              Hi Chaplin

              Hows things with you? Have you heard anything more from Capquest?

              Best
              SnV
              Hi thx for asking.

              Capquest sent some letters that they said they'd already sent but hadn't. I'm still paying £5 a month to them, well Arrow via Frederikson payment card.
              Westcot taken over the other acc on behalf of Arrow, they send me threatening letters now and then.
              Got my GP to write a quick one sentence stating this man suffers from depression.... Scanned and emailed to both Capquest and Westcot who have informed Arrow. Capquest won't reply to an email due to data protection, Westcot tell me there life story and mine via email, lol

              I Have also written to both stating they are harassing me with letters saying I haven't paid one month which I had, told them I'd report them, feck em I've nothing to lose really.


              on a positive note I got my child into a secondary school that has the specialist help she needs to am pretty chuffed. That's after she didn't get in originally but fought and won!

              cheers guys

              Comment

              • #67
                Re: Chaplins diary

                Originally posted by Chaplin View Post
                Got my GP to write a quick one sentence stating this man suffers from depression.... Scanned and emailed to both Capquest and Westcot

                . . . I Have also written to both stating they are harassing me with letters saying I haven't paid one month which I had, told them I'd report them, feck em I've nothing to lose really.
                I need to digest what you've said and read back through your diary but my instant reaction is for me to have a word with one of our team who specializes in helping "debtors" (I so hate that word) with depression and other mental health issues.

                Plan B x

                Comment

                • #68
                  Re: Chaplins diary

                  You rang?

                  Let us know how they respond to your medical evidence Chaplin, I'm here if you need help...

                  Elsa x

                  Comment

                  • #69
                    Re: Chaplins diary

                    Originally posted by Chaplin View Post

                    on a positive note I got my child into a secondary school that has the specialist help she needs to am pretty chuffed. That's after she didn't get in originally but fought and won!

                    cheers guys
                    That's good news...family comes first
                    Let your smile change the world but don't let the world change your smile

                    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                    • #70
                      Re: Chaplins diary

                      Originally posted by Undercover Elsa View Post
                      You rang?

                      Let us know how they respond to your medical evidence Chaplin, I'm here if you need help...

                      Elsa x
                      Thanks Elsa, Capquest are saying they've forwarded the medical info to Arrow, Westcote say I've put into there specialist team (lucky me) 😉

                      thx

                      Comment

                      • #71
                        Re: Chaplins diary

                        Quick update, cap quest asking for income and expenditure! Going to write back all is the same and I can manage £5 a month!
                        Also offered a great discount on the 10k debt😉 Obviously haven't replied lol

                        Comment

                        • #72
                          Re: Chaplins diary

                          if you are paying the £5.00 and it was agreed, I would just ignore this, sounds like a hopeful mailshot that loads of payers will have received.

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                          • #73
                            Re: Chaplins diary

                            That's most likely it Mrs D xxx
                            if you do it today and you like it you can always do it again tomorrow

                            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                            Comment

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