When Will It Stop!!

anicemaiden

Hi

I haven't been here for a while. I have had a browse and what I am going to mention here may have already been talked about.

I took on a credit card (Halifax) about 6yrs ago. I used it to purchase a pc... this one in fact. My card was almost at it's limit buying it.

Events overtook me as the months went on. My husband became ill and was unable to work full time. He was then in hospital for 3 months. I was unable to pay the regular amount on the credit card. Interest grew and grew. I was unable to keep up so I stupidly stopped paying. No matter what I did I just couldn't cope. I had two school age children and I just felt that they were my priority. I didn't know what 'tomorrow' would bring.

I informed the bank that I was in difficulty. The next thing I knew I had a company called Blair Oliver and Scott demanding the full payment for Halifax. I think it was their way of saying, we don't care so we are passing it on to our solicitors. I felt awful. I arranged with this company to pay £5.00 amonth. It was agreed. I paid regularly for about 2yrs I think. Then I had a letter from Cabot. Debt Collection? Saying that Halifax (my original lender) had sold the debt on to them and they will be persuing the full amount.

I borrowed - About £1000.00 The total they are asking for is well over £3000!!
I sent them one of the standard letters from this site about wanting to see the original signed agreement and that I was not prepared to accept them as my Debtor.
They replied saying that they don't have to send me one but as I had requested it, they will do their best to get hold of it and send it to me. I had a letter the other day stating that they are still trying to get hold of the document (it has now been over a month since the 12 days were up).

I know that I owe the money, and I will do all I can to pay it back but I can't afford £3000+!!!
I am disabled, as is my husband now and we cannot work. We are on benefits as it is.

I would like to know now how to go about fending off these awful people - hopefully forever!!

We have already had to give up our home. It was repossessed. We had no option. We now rent and I have to say, it is a relief in many ways.
I am scared that this thing will continue to haunt me. We have been through enough financial rubbish lately and now I just want to get on with my life.

What should I be aware of?
What happened to the £5.00 a month that I was paying to Blair Oliver and Scott!?? Does that not count?

I am in a pickle.

nimbo

hiya,

i am not much of a frequenter of this particular board, but this is the kind of thing that is often posted in the debt free wannabe page of the site, that often has higher numbers of people in there reading, and there are many people who will have been in similar situations, it may be worth re posting there to see if you get a quicker response...

PS bump, and good luck...