Debt Free Ramblings from BlueJeans

BlueJeans_2

edinburgher wrote: »

You're very welcome Once the initial stress of agreeing reduced payments etc. has been sorted, I have to say that they've been my favourite DCA (although that's so not the term to use!) I've only heard from them three times in three years and that was without a template 'stop hassling me' letter.



This shouldn't require a template letter or anything of that ilk to reply to. I'd simply send them a letter saying that you have no earned income. Unless the debt is held in common with your OH they aren't entitled to include his income in the equation, or the Tax Credits (as you wouldn't be getting these if he wasn't working, right?) They certainly have no right to request money from your child benefits!

Try to remain as chirpy as you can about dealing with DCAs. While you will speak to the off jerk on the phone, many people actually find them less stressful to deal with than the collections arms of the banks that they can't afford to pay back.

Hi Edinburgher

Thanks. I sent a letter today saying I can't send proof docs as I don't have an income. Just wait and see what they say to that.

BlueJeans_2

Goooooooooood Afternoon All

Weather is a bit pants today and it hasn't stopped raining since this morning(that's me hopping mad:p).

Haven't spent much today again:

£0.89 bag of sugar for OH (not me I'm sweet enough)
£0.30 newspaper - ssh I had a relapse and I completed the crossword with no help from my dictionary:j

So not too bad today again with my spends:T.

Right were do I start with the DMP ramblings.

Firstly, received our new bank cards and have completed the ebanking so we can now sort out DD's etc (the bank does most of this). I was slighty horrified to find they have added an overdraft for £900 on the account - do these people not credit check. I opted for a current account but agreed we would take a basic account if they couldn't give us a current account.

Sent letter off to Capital One explaining I have no income or receive any benefits as such so I would not be returning any proof documents.

Received a letter from MBNA requesting I return my 'cut up card' and credit card cheques - sent a reply saying I had already disposed off them.

Be back in a mo with more - little un pestering me

MyopicMoo

How exciting, things getting sorted out bit by bit! The spends sound excellent. With the OD, could you reduce it a bit but keep it as a buffer in case of dire emergency?

Good luck with your ramblings!

BlueJeans_2

Right were was I, pesky kids:D.

Ok, next was Halifax got a letter saying that they would only reduce interest and freeze charges if we go through a debt charity:mad:. They also quite helpfully tell me to reclaim our insurance payments - do you think I'm stooooopid Mr Halifax? Already on the case and you can bet your a$$ I'm going get it as it's over a grand:mad:.

Barclaycard sent us a letter stating our CCA request is being dealt with and will be sent in due course. They also told us to make our monthly min payment of £3.87. No idea how they got this figure as it should be £7.33 - I will continue to make the £7.33 payment to prove I'm a good customer:rotfl: and their lucky to have me:p.

Think that's it and my head is splitting from all this letter writing:mad:.

Do you think red wine would cure my headache or make it worst;).

Be back soon
Blue

MyopicMoo

Kill or cure I say

BlueJeans_2

MyopicMoo wrote: »

Kill or cure I say

I'll take the risk then - I have life insurance in place just incase:rotfl:

BlueJeans_2

MyopicMoo wrote: »

How exciting, things getting sorted out bit by bit! The spends sound excellent. With the OD, could you reduce it a bit but keep it as a buffer in case of dire emergency?

Good luck with your ramblings!

I am going to keep it there until the end of the month and then I'm going to get it cancelled.

We're abit skint this month so it's a weight of my mind should we need urgent access to funds now that we no longer have any Mr Plastics to lend us some:o. Apparently, he was fed up leading us money - well that's the word on the street as he is no longer communicating with us:rotfl:

edinburgher

I was slighty horrified to find they have added an overdraft for £900 on the account - do these people not credit check

Well, you said in your first post that you haven't had any defaults yet. Chances are that even if that has changed since a few days ago, they wouldn't be showing on your credit history yet (this can take a week or two to be updated in my experience).

Also, people who're really bad with money can look like an ok risk to a computer, which is part of the reason we're in a blaaady recession! :mad:

For example, a family member of mine owed £17k+, was barely able to keep these debts in check working 6.5 days a week, but still found it easy to get additional credit. The fact that he'd been in the same job for 3 years and had lived in the same house for 15+ years (a lazy beggar who didn't leave home 'til he was nearly 30) looked good on paper despite the fact that he was essentially stuffed :rotfl:

BlueJeans_2

edinburgher wrote: »

Well, you said in your first post that you haven't had any defaults yet. Chances are that even if that has changed since a few days ago, they wouldn't be showing on your credit history yet (this can take a week or two to be updated in my experience).

Also, people who're really bad with money can look like an ok risk to a computer, which is part of the reason we're in a blaaady recession! :mad:

For example, a family member of mine owed £17k+, was barely able to keep these debts in check working 6.5 days a week, but still found it easy to get additional credit. The fact that he'd been in the same job for 3 years and had lived in the same house for 15+ years (a lazy beggar who didn't leave home 'til he was nearly 30) looked good on paper despite the fact that he was essentially stuffed :rotfl:

Your family member was pretty much like us then:o. Looked good on paper but not in our pockets. Credit card and loan companies couldn't wait to give us money this time last year and then wonder why we can't pay it back:rolleyes:.

BlueJeans_2

Good Morning All

Well postie brought lots of post this morning:eek: but my head is too foggy (thanks Mr Merlot:p) to tackle them:rolleyes:.

Think I'll go fill me belly with something greasy and start to tackle them in about an hour.:A