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Massive debts

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  • bank_of_slate
    bank_of_slate Posts: 12,922 Forumite
    10,000 Posts Combo Breaker
    Can you open a basic bank account to have your income paid into so this bank can't just 'take' from your incomings any more, it might help you gain a little control back.
    ...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.
  • bank_of_slate
    bank_of_slate Posts: 12,922 Forumite
    10,000 Posts Combo Breaker
    Hi Julie, the last letter is a little wordy, I'd remove the 3rd paragraph and keep it short and to the point!

    What do others think?

    ...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
    Thanks Linda,

    Sadly these letters have already gone. We have already opened a new bank account and they haven't been able to take the money from this account because there was none in it!

    I am going to phone Stirling Park this morning having received this from my bank, but I don't know whether I am right to say they shouldn't have proceeded without considering or acknowledging my offer of payment?

    Perhaps I should post it as a thread itself to see if anyone can help?
    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
  • hettiecarro
    hettiecarro Posts: 403 Forumite
    Hi

    Be careful about phoning them. Remember you have stated that you wish all of this to be dealt with in writing - so you don't want to open the floodgates.

    If you are in their vicinity can you deliver a letter by hand and get someone to sign for it?

    This would be a proof of receipt.
    Debt at LBM £60k (July 09) Jan14 £5k Feb14 £4615
    Mar14 £4379 End Mar 14 £4035 :T
    Completely crazy clothes challenge 2014 0/£100
    2014 frugal living challenge
  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    Hi Hettie, you are right I was just really frustrated this morning. Think I will draft a letter and send it recorded delivery.
    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
    gargrave50 wrote: »
    Hi Hettie, you are right I was just really frustrated this morning. Think I will draft a letter and send it recorded delivery.

    :T Agreed, stick to your guns and only correspond in writing!
    ...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
    Deal - still want to send them something horrid like pooh in the post though.
    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
    gargrave50 wrote: »
    Deal - still want to send them something horrid like pooh in the post though.

    You could fart into the envelope before you seal it? :rolleyes:
    ...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
    I could do that - beans on toast for lunch then: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
  • bank_of_slate
    bank_of_slate Posts: 12,922 Forumite
    10,000 Posts Combo Breaker
    curried beans!
    ...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.
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