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jamesd

littleredhen, there's no need to be concerned and your handling of it has been fine. You still might receive more letters to these people in future years as various debt collectors try to track them down. I suggest just ignoring them in the future. All they are doing is sending letters to anyone with similar details in the hope of getting lucky and there's no need to reward them by helping them when they are bothering you unnecessarily.

CCCS_Sue

jamesf75 wrote: »

I just posted this as a new threadt but then realised it is perhaps better here? (apologies for duplicating the message!!)

Repay in full or offer settlement ??
Hi there,

I have a Flexiloan with HSBC. This is a sort of linked overdraft facility which can be drawn down up to a specified limit (in my case £5000). I have to make a monthly payment based on the amount owed. For some time now it has been at the limit. The monthly payment is £200 which I have been unable to make now for about 5 months. Because of this I know it is affecting my credit rating as is 5 payments in arrears. I may shortly be in a position to repay this (family helping out) but I feel there are 2 options and would appreciate advice from anyone who has had similar experiences or just advice in general.

1) Repay in full. Clear the debt totally

2) Offer/ask for a settlement figure as a 'full and final settlement'

Option 2 could potentially save me some money if agreed. I know that it will then show on my credit report as 'settled' rather than 'repaid' but as it is already so far in arrears would it make it much worse??

Clearly the less I need to borrow from family the better.

Thanks for reading and any advice would be greatly appreciated.

James

Hi James

Thank you for your message

As you are so far behind with your repayments, then the creditors may accept a reduced sum in full and final settlement, but it would be at their discretion.
If you send an email FAO Sue to [EMAIL="contactus@cccs.co.uk"]contactus@cccs.co.uk[/EMAIL] I will send you a pack with all the information you need to offer a full and final settlement and also some sample letters you can use. If the money is coming from family members, then it is better that the letter is sent by them.
All this information will be in the pack.
If you would like to look at all your options before you consider full and final payments, then you can call for an appointment to speak to a counsellor on 0800 138 1111.

Regards
Sue

CCCS_Sue

littleredhen wrote: »

i am not sure if my question belongs here but i couldn't find anywhere else to post

today we received 2 letters addressed to 2 people unknown to us which also said aka and our surname albeit spelt incorrectly so we opened the letters to find they are from an asset recovery firm requesting settlement of a debt
so i phoned and spoke to the letter writer and explained that we had never heard of the people but that the letter did state aka and my surname - the letter writer told me that they had been provided with the details via a tracing agent and she would record our conversation and remove our details and that we should send the letters back with a covering letter saying we do not know the people etc.
my question is is that the end of it or can i expect further things including court summons and bailiffs etc -
any advice would put my mind at rest

Hi littleredhen

Thank you for your message.

I would do as they advise and send the letters back with a covering note explaining that they have been sent in error and that you were told that your details would be removed.
Send it recorded delivery and keep a copy for yourself.
If they still persist, and you know that you definitely do not owe the debt, then you could ask for a CCA request.
It is then up to them to prove that the debt belongs to you and they would have to provide a copy of the original signed agreement.
I would recommend that you send the recorded delivery letter first, and if you do not get any results, contact us again, and we will advise you further on how to proceed.

Regards
Sue

CCCS_Sue

Worried196 wrote: »

Hi Jamesd, thank you for your supportive reply. I am trying to get through to the Court today to see if there is anything else I need to do.

CCCS_Sue, thank you also. This was a joint tenancy, we both received the court claim forms, but only I responded with a part admission in the timescales (unaware we both needed to). What I don't understand is that if we are both liable, I send off a defence, can they just ignore that and issue a CCJ to my husband for the full amount? Wouldn't they have to CCJ both of us? What about my part admission? Sorry for all the questions, I wish I had seen this site earlier as for the last month I have been worrying about the situation and it took me a long time to set out my defence. Thanks for any advice. I will have a look at the site link you provided.

Hi worried196

You have done all the right things so far.

As it is a joint debt, then you are both joint and severally liable for the repayment, so your husband needs to fill in his form the same as you have.
If you leave one form blank, or only send back one reply form, your husband could get a judgement for the debt in one lump sum.
If you have worked out offers of payment put half the offer on each reply form and do not forget to enclose a copy of your income and expenditure and list of creditors. Explain what you have done on each form
If you would like some further help with this and need some assistance with your budget , you can call for an appointment to speak to one of our debt counsellors on 0800 138 1111.

Regards
Sue

focus27_2

hi Sue, could you please give me some advice.

i am married and have debts but not many. my husband however does and he has acquired charging orders which are attached to our family home. The interest on them continues to rise and thepayments made on them are not really making adent, subsequently the interest and debt is rising.We also have a DMP with CCCS and we make regular payments but it is clear it will be years before they are paid off!!

debt is really emotionally draining and i know this is my/our responsibility, but feel at the end of my tether and very restricted with it all. Really confused and unsure what to do. i feel i do have options but these are limited. The way i see it is
1) sell house pay off debt -approx £40,000 equity but £20k of charging order and £20k other debts.
2) try and remortgage- but this may not be ?? due to not being able to get a mortgage
3) just remain status quo- but by doing this i think all the equity is going to be swallowed up by the charging order.

One of the charing orders is ridiculous now it is more than double the original debt.

Can you please give advice on this matter, i will be eternally greatful

thanks

focus27

**hope i have posted this right!!

lightarrow

Thank you, Sarah!

lightarrow

Thank you Sarah!

CCCS_Sarah

focus27 wrote: »

hi Sue, could you please give me some advice.

i am married and have debts but not many. my husband however does and he has acquired charging orders which are attached to our family home. The interest on them continues to rise and thepayments made on them are not really making adent, subsequently the interest and debt is rising.We also have a DMP with CCCS and we make regular payments but it is clear it will be years before they are paid off!!

debt is really emotionally draining and i know this is my/our responsibility, but feel at the end of my tether and very restricted with it all. Really confused and unsure what to do. i feel i do have options but these are limited. The way i see it is
1) sell house pay off debt -approx £40,000 equity but £20k of charging order and £20k other debts.
2) try and remortgage- but this may not be ?? due to not being able to get a mortgage
3) just remain status quo- but by doing this i think all the equity is going to be swallowed up by the charging order.

One of the charing orders is ridiculous now it is more than double the original debt.

Can you please give advice on this matter, i will be eternally greatful

thanks

focus27

**hope i have posted this right!!

Hi focus,

I would recommend that you give our client support department a call and then will review your account and discuss your options.

It’s hard to give you detailed advice without seeing your full situation.

Sarah

Triggles

What's the best way to handle a company (Santander) that is sending daily letters demanding payment and that we ring them? We've talked to someone from Santander on the phone previously, and were told a note would be made on our account about our situation, however, that was a few weeks ago, and we are still receiving letters each and every day regarding this particular account. The odd thing as well is that it is just for one of our Santander accounts that we owe money - and the lowest balance at that! We're not getting this from our other accounts - and they are all getting greatly reduced payments. Obviously speaking to them on the phone hasn't helped. Is there a letter template for "oh for god's sake, quit wasting paper by hassling us on a daily basis?" We told them both in writing and on the phone that we can only pay what we are paying, the person on the phone was polite and said that was fine and made a note on our account, so why these letters?? We strongly suspect that it's a simple case of "the left hand not knowing what the right hand is doing" however, in a business the size of Santander, how are we expected to communicate with the numerous different branches that are obviously working with this? The account is in DH's name, and he is extremely uncomfortable speaking to them on the phone, so we'd prefer to deal with this in writing.

Oh, and we are doing a DMP self-managed, although we got advice from CCCS prior to starting it.

elgjp

I don't know if this is the correct place to ask this question but i couldn't find a better place to put it!

I was recently contacted by Mackensie Hall regarding an alleged debt to littlewoods for less than £100. I have never had a credit account with littlewoods but the debt has now appeared on my credit report. I read in this forum about a consumer credit request (requesting to see the contract between the creditor and the consumer) and all they sent was a blank current credit agreement. This is of no use at all in proving the debt is mine and i know the debt is incorrectly associated with my name!

My question is what step do i take next to get this debt taken of my credit report?

Thanks in advance for your help

Graeme