Ok, heres mine, a complete post this time.

calleyw

nillhouse wrote:

Cheer Calley, have signed up with these, they look really good!:T

Glad to help. And your bills should drop.

And good luck with the Job hunting. Never easy I know.


Take care.


Yours


Calley

nillhouse

I sent out letters to all my creditors on the 21st April and have not recieved a single reply from any of them. How long should I wait for replys from my creditors before sending them my idea of a token offer?

nillhouse

Yay, finally getting some JSA, took em long enough! Unemployed 2 months now!
That means, I can send off my Bank Loan Insurance form, two months late, I hope they will back-date it, as Ive had to pay the last couple of months, when I cant afford it!
Nevermind, things are starting to move forward a little bit.
Still no word back from other creditors however, so ive sent them all another letter stating I can only pay token payments, £1 at a time, and started making these payments as well, (Im just really anoyed that they wont reply to my letters).

nillhouse

Grrr, HFC just called again, I told them I would only deal by post because of my hearing, and the fact I get easily flummuxed! 6th time today, I think im gonna go ex-directory!!!!

tesuhoha

If you havent worked since February, arent you due for some kind of tax rebate?

nillhouse

tesuhoha wrote:

If you havent worked since February, arent you due for some kind of tax rebate?

Its not a rebate, but they have backdated some of my JSA to Mid March, so I got a nice little,(£320) payment from them:j , not a lot though, is it, for two months struggling!:rolleyes:

Still waiting on everyone else to reply to my letters though, hmmph:mad:

nillhouse

HFC are really getting silly now, they've just sent me a letter saying, "We cannot understand why your account is in arrears",
STONE ME!!! What the hell was the last two letters I wrote you about???

nillhouse

Ha Ha, here we go again.....

Capital One have just sent me a new credit card, unreal!

Either nobodys reading my letters, or they ar'nt listening to me.

kar

Nillhouse I tihnk what tes what saying is have a look at your p45 that you will have been given when they sacked you. It is likely that you have paid too much tax for the year ending in april 2005 as you weren't working for a while. Then you need to fill in an R40 form and you should get some tax back.

If you need help filling the form in go to see the CAB for help.

nillhouse

ooh, thanks, I will look into that!