Had my first phone call today!! (update)

symikins

Charlie1986 wrote: »

I have a reference number and have wrote to all my creditors explaining that I have an appointment and will only be paying a token payment till then and then take it from there.
Just wondered what I need to do with the letter's saying they have refused the token payments and I need to pay now. I can't pay anymore now .
The phone calls don't bother me, I don't get bullied by them easily and will just hang up if needs be .
It's good to know other's here are in the same situation, i'm just glad i'm getting it sorted before it gets any worse.

charlie hun , you are going to enjoy this experience soooo much , l was a right ol scaredy cat when l first come on this site , thought they could bankrupt, me make me sell my home ,come a knocking at my door
yeah just try it :rotfl::rotfl:

you will get and be given so much info and power ,

l am playing all of my creditors at the same game as they try with me never thought id have the guts, but now l get hacked off if l dont get a letter in the post for a few days :mad:


thats only because ive played them at their own threat-o-matic games with the help from these guys on here

no questions a silly question ....the answer makes you in control

ENJOY :j

Sibyllia

I'm pretty much in the same situation. I called CCCS a few weeks ago and they put my mind at ease so much, but they can't give me a telephone appointment until July 15th. Their advice was to write to all my creditors and explain with a token payment, despite having made agreements with some. Now I'm getting constant phone calls and letters and believe me, it's scaring the hell out of me!! There are all sorts of things going through my mind...

will they turn up on my doorstep? Will they put me into court?:eek:

Ames

If they turn up at your doorstep then they can't do anything, they've got less rights than the paperboy.

They'll give you plenty of warnings before taking you to court, and the fact that you've gone with CCCS will look favourably on you then.

Charlie1986

I'm actually quite worried that i've only had the 1 phone call and no threatening letters :rotfl:. Ive just had letters declining my payment offers, but nothing else. Just waiting on my appointment with CCCS who should be ringing any minute

Charlie1986

Think I spoke a bit too soon about only getting one phone call Lloyds keep phoning me everyday now, at various times, even though I won't answer their security questions and inform them I will only deal with them by post. They did tell me today they were ringing to help me regarding my bank account with them, I don't have a bank account with Lloyds . The guy on the phone got quite angry when I informed him of this and told me I was breaking the law by not answering his security questions and I did infact have a bank account with them :rolleyes:
On a brighter note I managed to sell quite a bit on Ebay and have almost cleared 4 of my smaller catalogue debts, they should all be gone by next month :T. I have also closed 4 credit card accounts, the available credit on them was 10k+ :eek:.
I've filled out a few job applications this past week, but haven't really been into it as much as I should. Will try harder with that next week