Calls from dm Ltd. 22 May 2009 at 9:27AM in Mortgage-free wannabe 2 replies 581 views

warship

Hi I am being chased by Debt Managers ltd for a bill I simply cannot afford.
My income dropped last year and my wife has ben diagnosed with Bowel ans liver cancer so she is not working. This has built up over a few months and I have had a reactional breakdown and lost my job. DML keep ringing asking me to borrow money to pay them saying that if I get a CCJ i would find it hard to get a job in the future and they saying theywill send round ddorstep collectors. My wife has a grads 5 cancer and the stress is too much, what can i do. I have written to them but they keep ringing asking for payments I dont have.

chirpchirp

Hi Warship
Sorry to hear you are having problems. You may find it more useful to post on the Loans or Debt free wannabe forums.

Hope this helps,

CC

inmypocketnottheirs

Warship, really sorry to read of your problems.

The debt collecting agency are breaching a number of rules and regulations, not least by suggesting you borrow more money and making threatening demands.

Have a look at this link to see what they can and can not do:

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

I know with your wife's illness you do not need the added stress of these calls and potential threats of visits by collectors, but please bear in mind a debt collector has absolutely no rights at all. They have less rights than a paper boy! All they can do is ask you to pay and that is it. You say 'no thankyou, please leave' and close the door.

I know its hard, but don't let them grind you down.