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  • Hi all and some advice/help if possible please.

    Hi, I am looking for some advice and help if possible. I have been browsing the forum and you seem like a good bunch of folk, so I plucked up the courage to write something.

    Circa November 2016 I was involved in an RTA, when I hit black ice and wrote my car off. I broke 6 ribs and suffered from a concussion, which later caused "Post Concussion Syndrome". This entailed me losing my job, as my recovery took a long time and I could not drive. The person I worked for, was a small self-employed specialist, who could not operate without me as part of his team. Therefore I was forced to resign as I was unfit to continue.

    At the time, I had a Credit Card with Capital One, A Natwest Gold Credit Card, A Bed on credit with Dreams, A Nat West Overdraft and a Nat West Personal Loan. All together totaling just under 24k. I could not service this massive debt and contacted the Stepchange Debt Charity, who advised me to make a token payment of 1 to each creditor for a period of time. I continued this for about two years as my health improved and I was lucky enough to find a vacancy with Scope the Charity as a van driver Nov 2018. At this time, I was still struggling, as I had arrears to my landlord and had only been paying 1 to each of my creditors. They had sold my debt on and I was continually receiving letters from the likes of Lowell, Cabot and Robinson Wray.

    I then spoke again to Stepchange, with a view to Bankruptcy or an IVE, but somewhere in the conversations and a call with an IVA specialist, they decided I was not suitable for an IVA or Bankruptcy and I sort of fell of the radar!. All my fault I suppose, I stopped paying my token pound and just sort of went in on myself whilst trying to hold down my job, which was only just covering my outgoings. The letters kept coming from the DCA's and I just ignored them, as after my head injury and accident, I have mental health issues which just make me fall to bits if I get in any conflict.

    In March of this year, I had a cycling accident and whilst in Hospital, the doctors found I was suffering from a very high Blood Pressure and basically signed me off work, due to an injury and the BP. So I am still off work and it looks like I will not be returning in the near future.

    Today, I was at home and my wife brought in a hand-delivered letter. She was in our landlords front garden, and she saw a man looking out of place, she asked him what he wanted and he said he was looking for me. She asked why and he said he couldn't discuss it with her. She said I wasn't in and he left. She then went into our landlords as we share a post box with him (we live in a rented annexe in his garden, with no street access) In the post box was a hand-delivered letter from Resolvecall, for my attention, saying they had called today for the First time regarding my "accounts" with a request to ring a number quoting a reference which does not tally to any I have on file.

    My big worry is that If resolvecall start turning up at my landlords he is going to blow his stack and we will get evicted!. He is a really nice guy and he and his wife, rent us their old student annex in the garden, but they are the sort of couple who don't like "problems". We live in a peaceful area and very rarely get visitors, which suits us, as my wife suffers from anxiety and depression. I know its my fault for burying my head in the sand, but I don't know what to do anymore. For all my working life,I have always paid my bills, mortgages etc,on time and never defaulted, yet this is weighing me down. Dealing with my wifes problems on top is nerve wracking enough, as she is also in a similar level of debt due to her problems after being bullied out of her job as a dental nurse some years ago. So we are both in a bit of a mess. Has anyone got any advice, please, it just seems so difficult to get some help. I sometimes get to that point where I wish I had not got out of the accident....

    Cheers for any advice.

    Ian

  • #2
    Resolve call okay! just a commission agent delivering a letter, keep the letter safe for now and make a record of date time etc, as far as your other alleged debt start a diary for each one and give date taken out then underneath last payment then underneath default date then diary as to events by date then peeps can see and digest the situation etc, by the way welcome we are a freindly crowd,, also take a look at other threads on here and you will see diaries which will give the idea to start with?
    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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    • #3
      also give detail of that letter i.e. from etc on



      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


      • #4
        OK, many thanks. I will sit down with a huge box of paperwork and see what I can diarise. Thanks again.

        Comment


        • #5
          Originally posted by Versysrider View Post
          November 2016 I was involved in an RTA, when I hit black ice and wrote my car off. I broke 6 ribs and suffered from a concussion, which later caused "Post Concussion Syndrome". This entailed me losing my job, as my recovery took a long time and I could not drive. The person I worked for, was a small self-employed specialist, who could not operate without me as part of his team. Therefore I was forced to resign as I was unfit to continue.

          . . . . All my fault I suppose, I stopped paying my token pound and just sort of went in on myself whilst trying to hold down my job, which was only just covering my outgoings. The letters kept coming from the DCA's and I just ignored them, as after my head injury and accident, I have mental health issues which just make me fall to bits if I get in any conflict.

          In March of this year, I had a cycling accident and whilst in Hospital, the doctors found I was suffering from a very high Blood Pressure and basically signed me off work, due to an injury and the BP. So I am still off work and it looks like I will not be returning in the near future. . . .

          My big worry is that If resolvecall start turning up at my landlords he is going to blow his stack and we will get evicted!. He is a really nice guy and he and his wife, rent us their old student annex in the garden, but they are the sort of couple who don't like "problems". We live in a peaceful area and very rarely get visitors, which suits us, as my wife suffers from anxiety and depression. I know its my fault for burying my head in the sand, but I don't know what to do anymore. For all my working life,I have always paid my bills, mortgages etc,on time and never defaulted, yet this is weighing me down. Dealing with my wifes problems on top is nerve wracking enough, as she is also in a similar level of debt due to her problems after being bullied out of her job as a dental nurse some years ago. So we are both in a bit of a mess. Has anyone got any advice, please, it just seems so difficult to get some help. I sometimes get to that point where I wish I had not got out of the accident

          Hello

          You have survived a horrid time in your life, but you are still standing and this forum will try to help and guide you from now on.

          First of all I can see no reason for your Landlord to evict you unless you have rent arrears. Your home is important so get solid advice on your housing situation from the CAB.

          Do you have an Assured Shorthold Tenancy agreement and have you checked to see whether you and/or your Wife (if it's a joint tenancy) are entitled to Housing Benefit towards the rent etc? In fact get advice on entitlement to any other Benefits if your Wife is not working.

          This website can be helpful > https://www.turn2us.org.uk/

          You need to focus on your priority debts first such as Council Tax.

          The debts can take a backseat. List each one in a separate post on this thread and the forum will guide you. Use this format >
          • Type of account (credit card/loan/overdraft)
          • Date commenced (ideally before April 2007)
          • Approx balance
          • Date last paid (approximate date you last made a FULL payment)
          • Are you on arrangement or not paying
          • Status (default/in arrears/up-to-date)
          • Account owner (who is writing to you, the original creditor, a DCA or a debt purchaser)

          You will get through this difficult patch in your life!

          I look forward to helping you.

          Di
          Last edited by Diana Mayhew; 3rd July 2019, 06:20. Reason: typo
          Legal Disclaimer

          I am a Litigation Executive at
          Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

          Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

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