Help had a man at the door what do i do now

pinkjaney

is that ok

RAS

No link posted.

fermi

RAS wrote: »

No link posted.

Still contained personal info, so it got zapped.

No prescribed terms in the application form though.

However, it did refer to you agreeing that you have read the card T&Cs. Which may have contained them?

fermi

fermi wrote: »

Would BR effect your job?

How much are your other debts?

How much surplus income or payments towards debts per month do you currently have?

Lowells are very very very unlikely to go ahead with it, but was curious........

pinkjaney: Do you mind answering the above?

pinkjaney

br would not affect my job

i do pay some other debts off £70 pm and also have some priorty debts that must be paid (csa)

RAS

janey

Please can you pul that photo down urgently, still have personal details exposed.

fermi

pinkjaney wrote: »

br would not affect my job

i do pay some other debts off £70 pm and also have some priorty debts that must be paid (csa)

I was just wondering then whether it would be a HUGE deal if they did it?

As said, it is VERY VERY VERY VERY unlikely that they will.

It would cost them £1,000s to do which they would more than likely never get back.

What I'm getting at is, OK try to head this off, but if they did do it, so what? They would be mostly shooting themselves in the foot?

The whole idea of sending out stat demands is to scare and intimidate you. If there is nothing to be scared of, then it falls flat if you see what I mean?

RAS

And there is even a famous letter in which an OP thanked the DCa for offering to him BR as it would save him the personal expense.

Sadly they then backed out, I think.

fermi

I think this is 'clean'?

fermi

RAS wrote: »

And there is even a famous letter in which an OP thanked the DCa for offering to him BR as it would save him the personal expense.

Sadly they then backed out, I think.

You mean this?

:rotfl::rotfl::rotfl::rotfl:

Dear creditor,

Thank you ever so much for your recent letter (including a statutory demand) with a view to you petitioning for my bankruptcy.

You have no I idea what a relief that is as my finances have taken such a turn for the worse.

I have been struggling to find the £510 fees required to file for my own bankruptcy. So much so I have not been able to sleep at night worrying how I would achieve it.

I realise it will cost you £620 plus legal costs to do this.

Considering I have no assets nor enough income to contribute anything to my bankruptcy estate in the form of an Income Payment Agreement which means you will not recover any money for doing this, your act of generosity has left me lost for words.

But thank you for relieving me of the pressure I have been under, and allowing me to sleep soundly at night knowing I no longer have to worry about finding the fee for myself.

Yours very gratefully