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Well after reading all about UE, & reading your diaries I've decided to take the plunge & try my luck to see if any of my debts are unenforcable 
I'd like to give you a bit of background to my journey.
We have a fair bit of debt (22.5K + 12.5K IN CCJ'S) made up of unsecured loans & credit cards. I didn't think I lived above my means... but I borrowed to help pay for 3 of my children's weddings all within 2 years, to purchase a car & to refurb a property we hoped to sell at a profit. That said I had a squeky clean credit file & we had good earnings. Life can twist the knife though at the most unexpected times. ;F-
I had a well paid job as a nhs manager & had been there for 15 yrs but in-house conflict between the new partners started to get out of hand & I was piggy in the middle. Things went from bad to worse with pressure over financial difficulty they had got into, they wanted me to reduce staffing further to save money but there was no way I could as we had already gone to the limit as we hadn't replaced 2 that had left plus we had to keep in line with standardised no's per GP's but one of them just kept on & on - the pressure went on for over 12 mths & 1 day it just got too much. The pain in my head was horrendous (I really thought I was having a haemorrage) & my family called the emergency dr out, he said I was clinically exhausted & gave me an injection to sedate me as my bp was sky high & said I had to see my own doc the day after, who diagnosed stress. I thought it would take a few days then I'd be ok, but it wasn't to be the case I just couldn't face going back into the firing line I just went into meltdown. A few months later I lost my Mum - After 6 mths they "let me go" due to capacity. It truly was the worse yr of my life. :cry:
I managed to pay everything as normal while I was getting paid, I got full pay for 3 mths but when it dropped to half pay for the next 3 mths it started to be a struggle. Luckily though we sold the house we'd refurbished to my son but although we didn't make any money on it at least we got the money we'd spent on it back plus the deposit. I repaid around 11k to the cards but made the mistake of paying lumps off all 9 I had instead of paying a couple off. Then the recession hit & my husband's self employed income dropped too. We ended up using the deposit money we'd got back making up for lost salary. I let everyone know we were finding it difficult but it didn't make a difference & as we were only making min payments the interest & charges they were adding just increased the debts, after a couple of yrs there was just no money to even pay the min payments, my anxiety had brought on depression & I just stopped opening the nasty letters, with hindsight that was a risk but i couldn't face anything - it was a dark period. ;
eep
Slowly the mist has lifted this last year & I feel strong again ready to take on these debts! I started this journey by ringing CCCS as I was thinking of a dmp or even IVA. I posted on MSE but soon went off the IVA route as I wouldn't want to remortgage really to repay the debt in the 4th yr. I read on MSE about reclaiming then offering F&F so started off reclaiming charges on 5 cards plus I then realised I had ppi on 4 cards so put a claim in for 3 as I was still paying at the onset of my illness.
THEN I found Niddy ;-y - who wanted to know why I'd gone about things the wrong way round ;D All's not lost though cos I've just found out today that my RBS & MINT card ppi claims have been accepted & the full cards (4.7k) will be paid off within 5 days!! ;-y ;-y I'm just waiting for the Virgin money ppi decision. I've also had 3 card reclaims accepted. My Barclaycard was only £434 & I got £306 back so that's a good result as that was the only one that hadn't got a default
2 Sainsbury's 2 cards had £184 & £221 accepted but that just a waste of time really . ;D I've also claimed around £400 on an MBNA card I'd repaid before I left work so hope I get that as the cash can be repaid to me!
So that's my story..... I don't feel any guilt at trying to see if they are unenforcable - all the cards I paid lumps to are back at the amount they were before I repaid & I have not used any card since I repaid in 2007!! I've always paid my way in life but if I can find a way to reduce the debts then I will gladly take it.k
My other thread can be found here - with everything on it: ---> viewtopic.php?f=13&t=435&start=0
I'd like to give you a bit of background to my journey.
We have a fair bit of debt (22.5K + 12.5K IN CCJ'S) made up of unsecured loans & credit cards. I didn't think I lived above my means... but I borrowed to help pay for 3 of my children's weddings all within 2 years, to purchase a car & to refurb a property we hoped to sell at a profit. That said I had a squeky clean credit file & we had good earnings. Life can twist the knife though at the most unexpected times. ;F-
I had a well paid job as a nhs manager & had been there for 15 yrs but in-house conflict between the new partners started to get out of hand & I was piggy in the middle. Things went from bad to worse with pressure over financial difficulty they had got into, they wanted me to reduce staffing further to save money but there was no way I could as we had already gone to the limit as we hadn't replaced 2 that had left plus we had to keep in line with standardised no's per GP's but one of them just kept on & on - the pressure went on for over 12 mths & 1 day it just got too much. The pain in my head was horrendous (I really thought I was having a haemorrage) & my family called the emergency dr out, he said I was clinically exhausted & gave me an injection to sedate me as my bp was sky high & said I had to see my own doc the day after, who diagnosed stress. I thought it would take a few days then I'd be ok, but it wasn't to be the case I just couldn't face going back into the firing line I just went into meltdown. A few months later I lost my Mum - After 6 mths they "let me go" due to capacity. It truly was the worse yr of my life. :cry:
I managed to pay everything as normal while I was getting paid, I got full pay for 3 mths but when it dropped to half pay for the next 3 mths it started to be a struggle. Luckily though we sold the house we'd refurbished to my son but although we didn't make any money on it at least we got the money we'd spent on it back plus the deposit. I repaid around 11k to the cards but made the mistake of paying lumps off all 9 I had instead of paying a couple off. Then the recession hit & my husband's self employed income dropped too. We ended up using the deposit money we'd got back making up for lost salary. I let everyone know we were finding it difficult but it didn't make a difference & as we were only making min payments the interest & charges they were adding just increased the debts, after a couple of yrs there was just no money to even pay the min payments, my anxiety had brought on depression & I just stopped opening the nasty letters, with hindsight that was a risk but i couldn't face anything - it was a dark period. ;
eep Slowly the mist has lifted this last year & I feel strong again ready to take on these debts! I started this journey by ringing CCCS as I was thinking of a dmp or even IVA. I posted on MSE but soon went off the IVA route as I wouldn't want to remortgage really to repay the debt in the 4th yr. I read on MSE about reclaiming then offering F&F so started off reclaiming charges on 5 cards plus I then realised I had ppi on 4 cards so put a claim in for 3 as I was still paying at the onset of my illness.
THEN I found Niddy ;-y - who wanted to know why I'd gone about things the wrong way round ;D All's not lost though cos I've just found out today that my RBS & MINT card ppi claims have been accepted & the full cards (4.7k) will be paid off within 5 days!! ;-y ;-y I'm just waiting for the Virgin money ppi decision. I've also had 3 card reclaims accepted. My Barclaycard was only £434 & I got £306 back so that's a good result as that was the only one that hadn't got a default
2 Sainsbury's 2 cards had £184 & £221 accepted but that just a waste of time really . ;D I've also claimed around £400 on an MBNA card I'd repaid before I left work so hope I get that as the cash can be repaid to me!So that's my story..... I don't feel any guilt at trying to see if they are unenforcable - all the cards I paid lumps to are back at the amount they were before I repaid & I have not used any card since I repaid in 2007!! I've always paid my way in life but if I can find a way to reduce the debts then I will gladly take it.
kMy other thread can be found here - with everything on it: ---> viewtopic.php?f=13&t=435&start=0
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