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Dee1969

Hi, this is my first time on here so not sure what im really doing.
I need help with my debts and dont know where to turn. I am working full time and my husband has just been laid off. My money just covers the mortgage and my husband has manage to get a few odd days off work but we cant affod to pay all our loans and credit cards, we have already missed 1 months payments on the cards and I know we wont have the money to pay any of it next month, Help what can I do.

georginacarr

Hello, form browsing through this thread i know that my situation is no where near as serious as some people here but i would really appreciate some advice, if this is in the wrong place please feel free to move it.

This summer i graduated from university with a £1750 0% overdraft with HSBC which was then reduced to £1500 0% and a £1750 overall limit. After i graduated i had to move back home and leave both of the part time jobs i had while at university, i couldn't claim any job seekers allowance until september and my phone bill and traveling to the job center (i wasn't told i wouldn't get money for the summer so i had to keep signing) meant that my overdraft has been bouncing about around £1800, i get charged fees every month for being not just over the 1500 0% amount but over the actual overdraft limit of £1750. On top of this i was overpaid by one of my previous employers and didn't realise, i was over paid about £300 and came to an agreement to pay £30 a month while unemployed, i recently got a temp position at the same company and they now want to take £145 a month to pay it back, i only work 24 hours a week and it costs me over £125 transport and so this would leave me with very little to try and sort out the fees etc on the overdraft.
I have applied to move my graduate account to another bank with a higher 0% limit but suspect that my job being only temporary and that i have a poor credit rating from all the fees and also some bounced payments on an account that was to pay the bills in my shared house at university, that i will not be accepted.
I wondered if there is anything that means that i can say to my current employer that they cannot take so much from me out of my wages? I cannot afford it and i think it would end up with me being in even more difficulties, if they did i would have to borrow more money from my parents to even get to the job (i am already borrowing for this month) and i would not be able to rectify my situation with the bank at all so would almost be not worth me actually working there. It was their mistake that they overpaid me so i wondered if there is something somewhere that says i should not be put into further financial difficulty by they taking as much back as they can?
Any help would be really appreciated, i am getting really stressed about it and no-one seems to have any idea about what i can do.

munkiemunkie81

Hi,

A few of my creditors are joint accounts with my ex husband. If he were to settle the accounts himself/Pay off lump sums would this still be seen as 'unfair treatment' to the other creditors?

Thank you!

nettienodge

Hi i am a single mum of 2 one is at school (4yrs old) the other is 6 months, i am not working and my debts are really mounting up, i woukld like to try and sort this out but am un-sure of how much money i owe and who to, i am starting to get baliffs at my door and i have no idea what the bill is for???

Dont know what to do, i have been on experian and there is only a couple of bills on there but i know i owe more,

HELP
Annette

sibil

Hi i am now unemployed through no fault of my own and have cards that i can no longer pay - should i approach the cc companies to see if they will take a payment plan or just write and say "sorry can no longer pay" and see what happens. So far payments have been made each month - all more than the minimum but the interest is crippling so the debt hasnt gone down and in 2 cases its taken me over the limit despite not havibg used them in ages
any ideas would be helpful
thanks

Angbunny

Hi

I hope you can help. My partner is in a DMP with Payplan and all of his creditors have agreed this except one. Egg have passed his debt on to a collections company who are refusing to accept the offer which has been made and are sending threatening letters and talking about making a charging order on his house.

I had a DMP myself and one of my creditors were Egg and they could not have been more helpful which is why I can't understand this behaviour (my finances and repayments to them were a lot worse than my partners!).

Is it possible to get Egg to take the debt back from this company and if so what should we say to them to get them to do this? Is there anyone we can complain to about the behaviour of this collections company - they are effectively stopping him getting his finances back on track by refusing, and are causing his blood pressure to go sky high by sending these letters to him.

We have tried speaking to them to advise he cannot pay any more money than he has offered (he has been on sick leave from work for a year and is only now able to go back - unfortunately the industry he works in does not do sick pay!) but they will not have any of it. If they would just agree to the repayments plan he has offered then at least the debt would be going down - as it is they are adding interest and it is going up.

Does anyone have any advice please!?!

kazimojo69

Hope someone can help.

I/we have just received a horrible letter from the above about an account at Arrow Global LLC - which I believe is MBNA debt.

For a bit of background....a few years ago - my husband suffered very serious depression following a close bereavment. He was horrible to me but I stuck by him as I believed it was the best thing to do. It went on for nearly 2 years. In that time I racked up debt on his card and couldnt pay and completely lost my way with the finances.

I kept putting letters in the bin etc. I then tried to make minimum payments but MBNA put fees on top of fees on top of fees. I cant even remember how much the total (correct) amount was for now as it was a few years ago. But Frerickson Intl are now asking for £13000+, which I know the original amount was nothing like that.

The letter says basically that I/we have to make payment in full or it will go to court etc etc etc.

My husband phoned them and went bolistic with them and me. I said this is the first I have heard from these - but he doesnt believe me. I made a payment of £10 on the phone to this company until I looked into it further.

They said if I didnt pay then it was likely it would go to court and my husband would have a CCJ against his name.

I dont know what to do. What can I request if anything (contracts etc) and is there anything I can do.

They said they would settle for £10500 - but I cant afford that either at present.

We want to try and get a mortgage next year - but now I am worried sick about this.

CCCS_Sarah

Triggles wrote: »

When doing a DMP, I know you're supposed to treat all creditors fairly and equally, but I just want to know about paying off smaller balances. If we eventually manage to scrape up enough to pay the creditor with the smallest amount (or ask if we can pay it off at a reduced amount if they will accept it), is that allowed? Or is it frowned on? I would think the other creditors would realise that the money sent to that bill each month would then be able to be distributed amongst the other creditors each month.

Also, all the debts (except one) are in DH's name. The only one that isn't is our overdraft on our joint current account. Since DH will be sending them a token payment, what then happens on my part? I know I am jointly on it, but do we make two payments If so, how would this be done? I am a SAHM, with really no income, so I would only be able to make token payments as well. Do I technically enter the DMP with him just for that bill? Or just send in his token payment initially and see what the do from there?

Whilst on a DMP you should treat all your creditors equally, if you do have some extra money you would like to put towards your debts then I would recommend that you give our client support department and they will advise you the best way to put this towards your debts.

If the DMP is just in your husbands name then you would need to make alternative arrangements to clear the debt as it would be classed as joint and several liability. If you would like to go on the DMP then you and your husband could contact our client support department to be added.

Sarah

CCCS_Sarah

lisab2009 wrote: »

Hi,

I am quite new to all of this and have a few questions. I have approx £14K debt over about 8 different companies all pre 2007. I have checked my credit report and they have all issued default notices. I was advised by a debt helpline that one of the options would be to wait for the statue of limitation to take effect in 20112012, however i am wondering if any of these debts would actually be enforceable and whether i should do a CCA sec 78 request?

1. if i send the CCA sec 78 request would this constitute admitting liability of the debt hence the statue of limitation law would no longer apply in the 6 years is up or is it merely in the way i word the letter?

2. I did have a HP agreement of £2600 who agreed verbally with me that they would accept just £700 to settle the debt which leads me to think that they know time is running out to take me to court or they know something may be wrong with the contract? Also i was advised that becuase i had only made them an offer over the phone to repay the debt this would not constitute addmitting i owed it.

The other problem is that some of the creditors havnt actually wrote to me for a few years and i was hoping that they may have forgotten and the limitation law would apply, but on the off chance (more than likley) that they havnt I am wanting to see if the contracts are enforceable at all in an effort to experdite matters rather than having to wait for the 6 years to run out.

I would appreciate any help you could give me. Thanks

Sending a CCA request is to ask for a copy of the agreement if the debt is not yours i.e. if you are being chased for a debt that you knew noting about. If you are in financial difficulties then you can come to an arrangement with your creditors for the outstanding balances. If you do decide to go down this route then your offers would need to be based on a detailed financial statement.

It is quite common to be offered a discount to clear the debt once the debt has been passed to a collection agency, as some of the companies buy the debt at a fraction of the amount. If the debts do make it to six years then the debts would be unenforceable.

CCCS_Sarah

liam20021 wrote: »

Hi ive been with the cccs dmp now for 1 year,ive just had a death in the family,and had to help out with some of the cost.This is a very sad time for me and the wife, it was her dad that died, i pay 300 a month on my plan i was woundering, if its posible to ask the cccs if i could have a payment brake this mouth there is 9 days till the ddr goes out and i cant meet the payment this mouth,and i dont know what to do please can you help me Thanks

Hello,

Thank you for your message and sorry to hear about your loss.

I would recommend that you contact our client support department as soon as possible and let them know about your situation and that you need to help out with the costs.

Send me a PM if you need the telephone number.

Sarah