My fight to get my life back!

pebbles88

another update!

well the automated calls from halifax collections have started, hopefully they will have got the letter i sent yesterday and buzz off for now. I have changed my number just in case though, specially as i have heard how much and often they ring.

on plus side went back to barclays today, and i now have a cashcard account with them. they did try to open me one of the feww paying ones so no wonder i was turned down

anyway onwards and upwards eh

jet77

Just popping by to send u a (((HUG))) Pebbles - you're doing all the right things. Hope your Mums feeling better soon x

pebbles88

jet77 wrote: »

Just popping by to send u a (((HUG))) Pebbles - you're doing all the right things. Hope your Mums feeling better soon x

Thank you very much,

GeorgeUK

Well done Pebbles.
Hopefully the rest of the banks will be as easy to deal with as Barclays.

pebbles88

GeorgeUK wrote: »

Well done Pebbles.
Hopefully the rest of the banks will be as easy to deal with as Barclays.

Hi GeorgeUK,

sorry i think i may has misled, I want to barclays to open a very basic bank account just for my jsa to be paid into. DH has one and slowly but surely we are moving everything away from halifax as we also have o/d with them as well as cc, plus most of our debt is with HBOS in form of natwest and tesco cc and loan.

just wanted somewhere not connected to store money til we can get goin again.

GeorgeUK

Sorry pebbles.

You were perfectly clear, but i think my comment may have misled.

Simply wanted to say you explained to the bank the error they made and made clear what you wanted - and got it.
Hope the rest of the banks will give you what you want too.

keep up the good work.

pebbles88

GeorgeUK wrote: »

Sorry pebbles.

You were perfectly clear, but i think my comment may have misled.

Simply wanted to say you explained to the bank the error they made and made clear what you wanted - and got it.
Hope the rest of the banks will give you what you want too.

keep up the good work.

ah i see....whoops!!:o

yes i agree i hope it goes the same with the rest of the banks, think it may be a rocky road, but i need to be strong!!

i am ever so grateful for all the help/advice i have received on here, thank you all again :T :T :T :T

pebbles88

ah what joy, my 2nd default notice.... this time from halifax...

well i have already wrote to them with another token payment, and i know they received to via recorded delivery today, so shall wait to see what happens now

pebbles88

HI,

i have posted this on another thread too, but putting it also in case anyone else can help me. thanks,

Morning everyone, please could someone look at this for me, its the reply from natwest to my cca, the account was opened in 1998.

its just a letter, a photocopied leaflet, and a letter from when they sent me the credit card.

http://i646.photobucket.com/albums/uu182/pebz88/nw1.jpg

http://i646.photobucket.com/albums/uu182/pebz88/nw2.jpg

http://i646.photobucket.com/albums/uu182/pebz88/nw3.jpg

http://i646.photobucket.com/albums/uu182/pebz88/nw4.jpg

http://i646.photobucket.com/albums/uu182/pebz88/nw5.jpg

http://i646.photobucket.com/albums/uu182/pebz88/nw6.jpg

http://i646.photobucket.com/albums/uu182/pebz88/nw7.jpg

i really hope these links work, i have never pit images on before!

I have also received a identical letter from Tesco credit card, only difference being is they do have a signed credit agreement.

thank guys

di3004

pebbles88 wrote: »

hello all.

i would appreciate any help/advice extremely gratefully.

not really sure where to start. approx 3 years ago, i bought the house in which i live from my mum for a modest amount, the house was mortgage free following the death of my father several yrs ago. however at the time that i bought it, my mum also had a loan on it, for approx £12'000, spanning several years, trying to provide for the both of us following his death.

The purpose of me buying the house was also to ensure what she could live with us til the end of her days, as i did not wasn’t her to ever to have to go into a home as such. At present she still lives with us and also pays for the gas/electric (on staywarm) and contributes to the phone bill and food shopping also.

so on purchasing the house, i paid off this loan, and a few of my own debts.

however, fast forward to the present day, and following a new central heating system and a re-wire (both of which were unavoidable) we are now in dire straights.

i suffer from an as yet un diagnosed RSI disorder. i could list the symptoms but it would take all day, to put it bluntly, i have have had several tests, and operation, and even more tests, yet am in more pain than before.
my work were very good but they re-deployed me and gave me ample choice to try and continue my work, but unfortunately this did not work. .

so since feb this year, i have been on incapacity benefit, however following my PCA, i was turned down and am now on JSA. (i am appealing this decision)

my DH has been nothing short of wonderful, he works as many hours as he physically can, but we are still short of approx £500 a month. I have appealed against my incapacity benefit decision but regardless of that and regardless of my pain and possibility of my injuring myself even more i have no choice but to go for full time employment to just barely make ends meet.

On Monday coming, i am going to speak to CCCS, we had submitted an online app, but have not heard anything back yet, i think we must have made an error somewhere.

I have cut everything back as much as we can, yes we have mobiles, and i have checked with them and we cannot cut the contracts down until later on in the year, which we will be doing as soon as possible.

The same goes with our sky tv, although my mum who still lives with us helps us out an awful lot with this and the phone etc.

Whilst i would say our mortgage is manageable, our cc debts and personal loan debt isn’t, it amounts to approximately £43.000 (which includes, our credit cards, a personal loan which we needed to complete emergency work on the re-wire of our house), a small amount for catalogues, and finally our car, which we need for my OH to get to work as no public transport gets there, also due to the hours he works) most of these have been run up by extra work on the house and also naivety on our part following me resigning on my bad health.

If anyone has any help i would very much appreciate it.

Will have another thorough read on this later, you may possibly have a case here hun.;)