Debts and Redundancy

sassy1204

I don't know where to start or where to turn.
I have approx 14,000 pounds worth of debt and last Friday the 6th march I was made redundant, without notice or pay.

We have had the necessary forms to claim redundancy and notice.
I have applied for Job seekers allowance.
I have to day contacted cccs, the debts where manageable when earning.

Hubby works but it is enough to run the house and not to clear the debts to.

We did not see the closure of work or I would have been more prepared.

Is there anything else I can do ?.

First time post

RAS

Hi

Can you check all the debts and find out if you have PPI on any of them? If so claim. If it does not pay out, then reclaim the cost of the PPI.

Any late payment charges on any of the debts? Reclaim them

Have you checked whether you can get Working tax credit or council tax benefit?

I would be inclined to make sure you have no DDs you need to cancel.

Read the boost your income thread.

Go round the house and turn off everything except the fridge and freezer and get seriously manic about turning everything off all the time.

Check you meters and the most recent bills. Are you in for a nasty shock or can you get some money back?

Check the storecupboard, fridge and freezer and do a store cupboard challenge, which might tide you over until the money comes in.

Read the boost your income thread above and start doing clicks and surveys.

aj2703

sassy1204 wrote: »

I don't know where to start or where to turn.
I have approx 14,000 pounds worth of debt and last Friday the 6th march I was made redundant, without notice or pay.

We have had the necessary forms to claim redundancy and notice.
I have applied for Job seekers allowance.
I have to day contacted cccs, the debts where manageable when earning.

Hubby works but it is enough to run the house and not to clear the debts to.

We did not see the closure of work or I would have been more prepared.

Is there anything else I can do ?.

First time post

How have these debts come about what type are they..? The CCA route might be worth a look if some of these were pre 2007..

sassy1204

Hi
Most of these debts are with Next, Studio, JD Williams and 2 credit cards I am new and can you explain CCA route.
Thank you

RAS

Sassy

When did you take these accounts out?

aj2703

sassy1204 wrote: »

Hi
Most of these debts are with Next, Studio, JD Williams and 2 credit cards I am new and can you explain CCA route.
Thank you

As Ras has asked when were these taken out..?. Were they before 2007..? Take a read of this thread..

http://forums.moneysavingexpert.com/showthread.html?t=767025

it should give you a better insight....

sassy1204

I have been with these companies for a number of years.
What do I need to do ?.
Thank you for your help

RAS

Ok

There is a good chance the cataogues will be unenfocreable in the courts. Are the credit cards mainstream or secondaries like cap1?

Will post a CCA letter.

Amongst other things, if you know which aco!!!!s are enforceable, you know where to put your efforts.

RAS

here

original CCA request letter to be sent registered post and you do not use your normal signature. either write your name or get someone to pp for you.


Quote:
Dear Sir/Madam

Re:− Account/Reference Number 4563210025897412

I do not acknowledge any debt to your company.

With reference to the above, we would be grateful if you would send us a copy of this credit agreement, statement of account and notice of assignment.

We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

We understand a copy of our credit agreement should be supplied within 12 working days.

We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

We look forward to hearing from you.

Yours faithfully

sassy1204

Thank you so much for your help:A

RAS

Dont forget the £1 and we recommend postal orders as they can be tracked.