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Massive debts

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  • DreamerHelen
    DreamerHelen Posts: 2,629 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Really pleased you found your Purse...that's great news!! :j:j:j

    Good luck with your last Placement...I'm sure you'll do great and then you'll be a fully qualified Midwife!! :T
  • Glad you got your purse back - sounds like something I would do:rotfl:.

    Your lists look as long as mine too:eek:.

    Catch up later
  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    Tixy wrote: »
    Good news [STRIKE]numpty[/STRIKE](;)) Gargrave!!

    Glad to hear you got it back - what did you pay the taxi driver with? :confused:

    Have you just got today & Thursday to write your essay then? If I see you here too much on Thursday I shall be along to nag you about getting it done!:p

    Thankfully my husband had money lying on the sideboard so I pinched money from that to pay the taxi and then confessed all in a hangover blur the next morning:rotfl::rotfl::rotfl:

    They have changed my shifts already - yesterday went super fast because it was manic. Apparently because I'm signed off I don't need a mentor and they are short at the weekend so I'm on Saturday and Sunday:rolleyes:. Never mind, gives me all week to sort this bleedin essay out! The nag will be gratefully received come Thursday because I am sure I will find a thousand things to do by then:p.

    Never mind, yesterday was a NSD!:j
    LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
    Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j
  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    Thanks Helen and blue jeans,

    So glad I got it back! Now time to knuckle down to that list ...........:rolleyes:
    LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
    Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j
  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    By the way I still haven't figured out how to post a word with a strike through it?
    LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
    Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j
  • bank_of_slate
    bank_of_slate Posts: 12,922 Forumite
    10,000 Posts Combo Breaker
    when you're typing a post, click on advanced and there should be an S with a line through it amongst the icons.
    highlight the text you want to strike through and then click the icon.
    ...Linda xx
    It's easy to give in to that negative voice that chants "cant do it" BUT we lift each other up.
    We dont count all the runners ahead of us & feel intimidated.
    Instead we look back proudly at our journey, our personal struggle & determination & remember that there are those that never even attempt to reach the starting line.
  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    Cheers Linda, I am suitably enlightened.

    Will need to find something I need to strike through just to try it out :)
    LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
    Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j
  • gargrave50 wrote: »
    By the way I still haven't figured out how to post a word with a strike through it?


    I always wondered how other posters done this to:o
  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    Ok all,

    I am suitably peed off since the postman delivered today's goodies.

    I received a letter from my bank entitled court order.:mad:

    Apparently Stirling Park have served my bank with a schedule of arrestment. Because there are no funds in my account to arrest the bank have charged me £25.

    I wrote to Stirling Park following receipt of a letter from them stating they were threatening court action over a parking ticket issued my Glasgow City Council (I know I know:mad:).

    I'll post the correspondence I've sent prior to this. This arrestment was made without any response to our offer of payment and I wondered if anyone had any advice before I pick up the phone and kill them?:confused:

    By the way, if I question the "reflection of true cost" of a £25 fee to process the arrestment, whats the chances of them reducing their charge?
    LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
    Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j
  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    [FONT=&quot]Stirling Park[/FONT]Dear Sirs,

    Glasgow City Council GLxxxxxxxxxx
    Balance £90

    I refer to your correspondence dated 28 May 2009. We can not afford to pay the amount due because at present, we are experiencing extreme financial hardship like many within the present economic climate. We have now approached a non-profit organisation for advice regarding a debt management programme in order to clear our debts. Regrettably, we are finding it impossible to pay the outstanding amount of £90. We have taken advice from National Debtline and been aided by CCCS in calculating pro-rata payments to all of our creditors, based on our available income for repayments. In order to repay our debt at a realistic and manageable amount which is currently expected to be around £1 per week.

    I enclose a Personal Budget sheet which shows our total income from all sources, and our outgoings. As you can see we have only £86.12 per week left for our creditors. The offers we have made to our creditors have been calculated on a priority basis based on the total amount due, and we have written to all our creditors asking them to accept reduced payments. In view of our circumstances, we propose an offer of £1 per week. If interest or other charges are being added to the account we would be grateful if you would freeze these so that all payments made will reduce what I owe you.

    Should our circumstances improve we will contact you again. I request details in order to commence a standing order instruction to reflect this amount in order that we may commence our repayments without delay.

    I look forward to receiving your response, and thank you for your understanding in this matter to date.

    Yours faithfully,



    JULIE

    [FONT=&quot]
    THEY IGNORED THIS LETTER AND SENT A FINAL DEMAND SO I SENT THIS:
    [/FONT]
    3rd August 2009


    Stirling Park Debt Recovery

    G1 4DB



    Dear Sirs,

    Glasgow City Council GLxxxxxx
    Balance £90

    I refer to your FINAL DEMAND notice of 29th July 2009, received today 3rd August 2009. It is with pleasure that I enclose a copy of our response to your letter of 28th May 2009, which you have clearly chosen to ignore.

    Our letter clearly lays out our financial situation, and we have offered a repayment schedule as calculated on a pro-rata basis, used by the county courts. Rather than threaten us with further action, perhaps you could respond to our only affordable offer of repayment. We are committed to repaying this debt, however given our current circumstances we are unable to increase our offer any further. We believe that we have taken appropriate steps to address our debts by writing to all creditors making them aware of our situation, and taking professional FREE advice to calculate a manageable and realistic budget for repayment of our debts.

    When the original parking notice was received I wrote to the council explaining my financial circumstances and requesting more time to pay – this was ignored. I then received an increased charge notice as payment had not been received. At this time I wrote to Glasgow City Council Land Services (parking), as I have a number of parking tickets asking them to collate a list of the total amount outstanding in order that I could calculate a repayment schedule. Again, my correspondence was ignored. Then the matter was passed to Stirling Park, I wrote to you by return and you ignored my communication. It is my belief that Glasgow City Council were wrong to ignore my letters and request for time to pay given my financial circumstances. Likewise, when I wrote to negotiate repayment, I believe that Glasgow City Council should not have passed the matter on to a debt recovery agency. As Stirling Park have continued the trend to ignore my correspondence, I believe that the matter has been dealt with improperly. I have copied this letter into my local councillor and look forward to receiving their views on the handling of this matter.

    It is my specific request that all communication is made in writing. This ensures that I can maintain accurate records should this debt become the subject of legal proceedings. As you have not responded to my earlier letter requesting payment details I have been unable to commence payments, I continue to await this information.

    Yours faithfully,




    JULIE


    c.c. James Coleman, Councillor, Glasgow City Council.
    LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
    Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j
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