Please help, we've hit crisis point

Jacks_xxx

Hi again sweetie,

I'm glad things are progressing and you're starting to feel a little better about it all. CCCS will send you out a pack full of info I think - from what I remember.

I looked this up for you - it shows you some of the links between different credit and what different names they may contact you under. I think if they are together in the same section they are the same company.

http://www.payplan.com/debt-library/linked-banks-and-creditors.php

Gotta dash - I should really be doing something else!

Love Jacks xxx

RAS

shezza wrote: »

My OH was really ill and spent nearly 4 months in hospital, and then a further 7 months on the sick, by the time he hit 9 months off he was on no pay just SSP. When I tried to get the mortgage paid by the insurance they would not even deal with me, they would only speak to my OH as he was the one that was ill, but he was not in any position to do this.

You definately need to put a claim into this company to reclaim the PPI. The OFT has stated that most of these schemes were mis-sold and it looks like you have a case in point.

shezza wrote: »

Our main problems started when he went onto half pay......... So I started in the lovely cycle of I missed 1 direct debit, got charged by the bank, so the next month I missed 2 and you know the rest.

And have you reclaimed the bank charges - as a hardsghip case yours would not be halted by the court action. Also any CC and loan charges incurred for late payment?

shezza

Hi everyone, thanks again for all the support and help. I had my telephone session this morning with the cccs counsellor, but it was really quite hard to keep up with. I made some notes as the lady was talking, but I should get all the information through the post tomorrow, so it should be easier to digest everything when I read it. I do find things very hard to take in when some one is talking on the phone. Sometimes it feels like everything I hear just flies straight out the other ear without making an impact on my brain in the middle. I am much better with reading info, it tends to stick better :rotfl:.

I did sleep better last night, but it was still after 1 when I dropped off. However, I decided last night that I had had enough of looking at the ceiling so I dug out some wool I had bought at a market earlier in the year, and I started to knit a scarf. I really am useless at knitting, I always gain then loose stitches, so I always find myself permanently counting stitches as I knit. I think an hour of counting from 1 to 20 constantly is really what helped me get to sleep, as I was not thinking of anything else :T. I knit a full ball last night and I intend to do the same tonight, so I should have a complete scarf for the winter by tomorrow morning. Mind you looking at the weather I might need it straight away.

Verbatim

Well done on starting to get sorted Shezza.

Wishing you a good night's sleep, it's horrible when you can't drop off, isn't it?

RAS

shezza wrote: »

I do find things very hard to take in when some one is talking on the phone. Sometimes it feels like everything I hear just flies straight out the other ear without making an impact on my brain in the middle. I am much better with reading info, it tends to stick better.

Many of us work in visual mode much better than auditory. It is part of how we work but also because our technologies and society promote and value visual channels rather than auditory ones.

I am not completely hopeless with auditory stuff, but I cannot do anything else when I am listening and it takes TIME, whereas I can multitask if I am doing something visual. I can read the book of a series in about 90 minutes, which would have required me to watch 6 hour long programmes. So I do not do it.

With sales reps my response is always - send me an e-mail and I will read it. I am not interested in the spiel. I will not proof stuff if people talk to me, I insist on seeing it.

It is just how some of us find it easier to work.

Janey51

Shezza do sympathise with the staring at the ceiling.
When you see everything written down it will go into your brain better. It's all a bit of a blur at the start of the DMP and it is frustrating when creditors phone and they obviously haven't had their systems updated to reflect your DMP.
Stick with it and in a few weeks time you will feel a lot better. At least you will be able to sleep.
Meanwhile, you could have knitted a few Christmas presents :T

Mrs_Money

Hi Shezza and everyone else!
Just a thought - if you pay for your utilities (gas, electric, water, sewage, phone etc) by direct debit, check your statements to see if you are in credit. We were in credit to the tune of £120 a little while ago (can't remember if it was gas or electric) and the statement telling us this was accompanied by a letter telling us that they were putting up our DD payment from £25 a month to £40:eek:. What a cheek! So we phoned and told them that we wanted the money back and that they were not to put the DD up. It worked (after a bit of argy bargy on the phone). Worth checking these statements- think about how much of the public's cash these companies must have stashed away in their bank accounts- all those people that are too ill or elderly to check all these things - nationally, I bet it adds up to thousands!