Need some help please...

frwaggle

I hope theres enough info, let me know if you need more or anything explaining.
Thanxs to you all

MCBIRNIE25

Hiya Frwaggle, step by step, we need to establish what you owe and to whom.
Send this letter to your creditors initially :-

1 High Street,
Newtown,
Kent
R21 4RH
June 21, 2006
Loans R uz,
Rip off House,
Church Street,
OldTown,
Liverpool,
L199 3 TX

Dear Sir/Madam

Re:− Account/Reference Number 1234567890

With reference to the above agreement, we would be grateful if you would send us a copy of this credit
agreement. We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to
receive a copy of our credit agreement on request. We enclose a payment of £1.00 which represents the fee
payable under the Consumer Credit Act.
We understand a copy of are credit agreement should be supplied within 12 working days.
We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to
comply with a request for a copy of the agreement under these sections of the Act.
We look forward to hearing from you.
Yours faithfully
MCBIRNIE25

Next step. Stop panicking, you are among friends here, who will try and do their best to help.

I then think once established what you owe and to whom, approach CCCS or payplan and discuss options with them. Lovely people, non judgemental, and able to help no worries.
We need to track what you spend then, can you and your partner start a spending diary, so you know exactly what is going out and to whom each month?
What exactly is the debt with the childcare group for? Have i missed this?
Will advise further when I know the problem there. Also, before touching the old debts, lets deal with the initial ones first, and get these ont rack.

MrsTinks

Employment law - aha something I know a little something about

Right the only way they can fire your OH is if he has genuinely done something wrong. Otherwise it's unfair dismissal and they will be landing themselves in a whole heap of trouble! If they make his life uncomfortable to the point where he's wanting to leave then make sure he states in his letter of resignation that he's leaving due to ongoing harrassment. They have to act on that and take it through official grievances procedures.
It is amazingly hard to fire anyone in the country if they have a contract of employment Especially if he has not actually done anything wrong!
If the company is a large one then tell him to contact the HR department and arrange a meeting with them and explain that he is being victimised for someone related to you but NOTHING to do with him. Ultimately any debt in your name only has nothing to do with him. If it had then they would have long ago tried to deduct the money directly from his paycheck

They can also not force you to go bankrupt. Keep records of the offers of payment, keep a list with dates of phone conversations and names and what was discussed, and if possible record conversations (make sure you TELL them you are recording it otherwise it's not submissable in court).

The fact that they are victimising your other half at work and penalising him for your debts is a serious matter and I WOULD recommend you contact the CAB and ask for some legal advise

frwaggle

Hi
Thank you MCBIRNIE25 and everyone so much,#

After reading the replies to this thread so far I am already feeling a bit better, although a little nervous about going through everything....just incase i find i owe more lol

I don't think i do owe anymore than i have already said, but knowing what i actually owe and having you guys helping me is great. I will go through all my paperwork tonight and send off the letter to all the creditors i can find.

The debt to the childcare group is fee's for when my son attended, I do realise that i should of kept on top of it all, but it was just after my ex wife walked out on us , so concentration was on making sure the boys were ok ( no exscuse i know ) and also the company messed up all the invociing and the direct debits, after my son had left they charged me for a further month and thats why it ended up to £2,200 , i never signed any credit contract for this or anything , it was just arrears built up over a few months.

Will start spending diary tonight and start filling it in tomorrow :-)

The hassle that my OH is getting is because, when i was on the fone things got a little stressed and i said to the woman "I am sure i'm not the only one with an outstanding amount this big, she got very shirty and after a few days my OH came home and told me he had been dragged in the office and given a final written warning (he's never had any other trouble or warnings or had an chance to disagree with anything) for breaching company privacy rules (they assume as i said i'm not the only one with arrears so high, that he had told me this , which he hasn't) I know others are in the same boat from chatting outside school. I think they was just taking it out on him or even maybe wanting to have a go hoping he would come home and tell me to get it payed ASAP or pay it off or something....i dunno really.
Many thanks once again

lynzpower

you cant have a final written warning when you havent had other warnings can you mCbirnie? Sounds pretty illegal to me

MrsTinks

ONLY if it's gross misconduct but then they should have dismissed him there and then or at least suspended him pending an investigation.

MrsTinks

As for sharing information about other peoples outstanding amounts then they would actually need to PROVE that accusation Firstly I doubt he'd really have access to that unless he works with billing, and secondly then they have no real proof that he has shared the information with you. They're on VERY thin ice!

Mirtos

HI.I just wanted to offer my support really, and say that you'll be ok - the guys on here really know their stuff. One thing that you've said really leaps out at me - £80 a week on fags. I know you don't want to hear this right now, but that's £320 a month - more than enough to cover the £200 they are asking for. Your doctor can provide you with nicotine patches or similar, for the price of a prescription - why not consider quitting with the aim of using the cash to buy your freedom from the evil debt people? It'd be so much healthier for you AND THE KIDS too. My father recently worked out that if he'd never started smoking, he'd be £200,000 richer right now! I don't want to stress you any more, but it's an easy way to find the cash.

frwaggle

Thanx Mirtos
I am seriously thinking of quitting , i have tought about it loads,
things are looking up a little. I am organising everything so as soon as the kids are tucked up in bed i can go through the paperwork and get the letters off to the companies as suggested.

I am feeling a lot happier now, and am even starting to get my pro-active fighting spirit back so it can only get better from here :-)

I will keep my eye on here for info and update you on exactly whats happening as and when it happens.

MCBIRNIE25

Hiya,
the written warning thing is serious. I totally agree with Tine, what she says is spot on. If it's a final warning then he has a right to a fair and full investigation. He would be suspended immediately pending the investigation if he had done what they accuse him of.
Basically, he has a right to any evidence that they have over making those allegations, he can make a written submission through HR.
My advice would be for him to arrange to see a mediator, with yourself, and his boss, and try to calmly apologise and see if you can sort out a payment plan.
Just blame it on the stress. Although it sounds like you are in the right legally, these options are best avoided where possible.
Again, you can take advice from ACAS over this.
I will help with any letters that need writing or whatever.The laatest law at work guide states it is automatically unfair dismissal if they force your partner to leave without going through the full grievance procedures etc. i cans ednd you copies of this if you want. In the meantime, if he has a staff handbook, get it, read it and absorb what his company rights are in there.