advice

whenwillitend

please could someone give me some advice my husband was made bankrupt in aug 08 we both had a joint account for the abbey of 800 this debt was sold to a company called equidebt i,m now receiving mail from them because they no they can,t get any money from him etc i understand that because it is in joint names they are well within there rights to come to me but thereis no way i can afford what there asking for 45.00 a month i only work 10 hrs a week what can i do any advice would be great

So_Sad_Angel

Hi Whenwillitend,

Always difficult when joint debts fall to the remaining partner when the other is bankrupt. The debt collection agency are within their rights to chase the debt.

I would call the debt charites for advice (see top toolbar for numbers) or CAB if you prefer face to face. Main thing is to get the info so that when they push you for money you know how to answer.

Do you have other joint debts as well?

Angiexx

tigerfeet2006

As SSA says you need to chat with someone like the CAB and get them on board, they can help negotiate with your creditor and the creditors tend to listen to the likes of the CAB rather than you and me.

whenwillitend

So_Sad_Angel wrote: »

Hi Whenwillitend,

Always difficult when joint debts fall to the remaining partner when the other is bankrupt. The debt collection agency are within their rights to chase the debt.

I would call the debt charites for advice (see top toolbar for numbers) or CAB if you prefer face to face. Main thing is to get the info so that when they push you for money you know how to answer.

Do you have other joint debts as well?

Angiexx

hi angie no don,t have any other debts received a letter from equidebt yesterday demanding the payment plan they have set up of 40 per month which i,v already told them i can,t afford does anyone no how i can do a letter cos not quite sure how to word it explaining what i can pay,they said in there letter that they will issue legal proceedings to recover debt of £800 what does this mean help

blind-as-a-bat_2

It means they may try for a CCJ, but read the letter again, if its says "if you dont do as we say we MAY take legal action ((5 of the time it is just to frighten you into paying more than you can, that is there job to secure as big a payment as possible, whether you can afford it or not is not important too them.

Daft thing is if they do go to court, they would almost certainly get a payment a lot less, so its a daft move for them to do it, and if you have offered a reasonable payment, the court will frown on them still taking action.

As the others say get in touch with CAB, they will help, in the mean time deal in writing only with them as they can say anything they want to you on the phone, and will lie,belittle and bully you, and then deny every word of it.

Dont believe they record conversations, they may, but conveniantly lose it if a complaint is lodged:rolleyes:

whenwillitend

blind-as-a-bat wrote: »

It means they may try for a CCJ, but read the letter again, if its says "if you dont do as we say we MAY take legal action ((5 of the time it is just to frighten you into paying more than you can, that is there job to secure as big a payment as possible, whether you can afford it or not is not important too them.

Daft thing is if they do go to court, they would almost certainly get a payment a lot less, so its a daft move for them to do it, and if you have offered a reasonable payment, the court will frown on them still taking action.

As the others say get in touch with CAB, they will help, in the mean time deal in writing only with them as they can say anything they want to you on the phone, and will lie,belittle and bully you, and then deny every word of it.

Dont believe they record conversations, they may, but conveniantly lose it if a complaint is lodged:rolleyes:

thanks for the advice blind as a bat it does say we may now issue could anyone give me a template letter to get me started as not sure what to put etc:beer: