help please!!!!!

pink-lint_2

can anyone can help ?


right me and my partner have been using the CAB for debt management with ge money (16000) and barclay card (1500)
at present niether have replied or tried to help and its been 3 months or more since we first saw the CAB
we have been paying barclaycard £5 a month on or statement wether they like it or not but we havent been able to pay ge money anything as the just want the full amount, anyhow got in tonight and there is a message off edr debt collection agency i think its european debt registry, we've phoned the CAB to ask for advice but our case worker is on the sick and wont be back till next week.

so we dont know wether to phone edr or ignore them ?
we are also worried ballifts will come , we need some advice urgently .
thanks pink

vixsta7

Could you not try ringing GE direct, either that or speak to the CSSS as they may be able to speak to your creditors.

RAS

pink

There is a procedure for bailiffs.

You get sent a load of court papers when the creditor applies for a County Court Judgement.

If you respond properly and attend, the monthly payments will probably be set at something similiar to the payment you are currently trying to make.

You do not pay, so the creditor goes back court and asks for an attachment or earnings or the right to send in the bailiffs.

if you can demonstate tot eh court that you are trying to pay nothing further happens.

So you are months away from bailiffs.

have you sent GE Money a CCA letter? And have you written to them with an offer of payment?

RAS

vixsta7 wrote: »

Could you not try ringing GE direct, either that or speak to the CSSS as they may be able to speak to your creditors.

Not a good idea to speak to a creditor. Put it in writing so you have proff of the offer to pay.

And if you are with CAb, then CCCS may be reluctant to tread on toes. NDl might put your mind at rest though.

pink-lint_2

RAS wrote: »

Not a good idea to speak to a creditor. Put it in writing so you have proff of the offer to pay.

And if you are with CAb, then CCCS may be reluctant to tread on toes. NDl might put your mind at rest though.

hi thanks for the advice , and i certanly wont speak to ge money ive been told by my case worker at the cab to just say its all going threw the CAB and hang up, and not to engage in conversation with them .

would anyone recomend me to say the same to the collection agency or not?

RAS

The mantra for all creditors has to be "talk to CAb, talk to CAb".

They will get the message eventually.

dancingfairy

You say you haven't been able to pay ge money anything? can you not even make the reduced payments to them and send them in regardless. This would go in your favour if things reached court.

dancingfairy

sadly I don't think you will get anywhere with the collection agency and are just likely to be wasting your breath and also run the risk of being upset and intimidated by them.

pink-lint_2

dancingfairy wrote: »

You say you haven't been able to pay ge money anything? can you not even make the reduced payments to them and send them in regardless. This would go in your favour if things reached court.

as its going threw the cab , when they phone i dont speak to them , apart from saying its going threw the cab

and the advisor at the cab hasnt had a reply off them as yet and so there is no way of sending money to them as we have no payment book or anything . From the first meeting at the cab it was agreed we would offer £5 a month and they have not replyed afer all these months ,
we have only been able to pay barclaycard £5 a month as there statement comes with a payment slip on the bottom in which we pay the £5 on.