Help needed :'(

roses_babe

i really need some advice

my credit card of 400 got passed on to a debt collection agency because i missed jans payment of 1.00 my set up agreement fair enough i missed it i put my hands up.. i have never recieved a letter from this agency until today saying...

if i dont contact them within 72 hours then a person will come round to collect the money i phoned them to make my payment he wanted 100 per month im on benefits and cannot afford this i told him im going bankrupt and trying to save which i should not of said now hes sayin because i said that he wont accept my offer and i have to let the bloke come round monday to collect my money he was very very rude and said the convo is recorded if i want a copy i gotta pay him 10.00 whats going to happen im 20 years old and am scared to bits :'(

savingmummy

If a `bloke` comes round they can only post a letter to you, they can`t take anything from you!
You need to do all contact via post and ensure you keep all correspondence, send it recorded too that way they will recieve all letters.
Is there anyway of you paying £100? sell things ask a family member for a loan?
You will need to sort out a repayment plan with them, set up standing order to prevent missed payments.

roses_babe

i cant pay 100 wish i could but i sent a letter asking if they will accept 20 per month as me and my partner were made redundant i have enclosed with the letter a copy of my benefits

beanielou

If you are serious about going bankrupt then dont make any payments to them at all.

GeorgeUK

I totally agree with beanie.

If you really are going to try for bankruptcy, there is no reason to make payments to them. What's the worst they can do? Make you bankrupt? Great, that saves you pating to do it.

If you were just saying that to him to get rid of him, andone that does come to collect money will have no legal powers. They are not bailiffs and have the same power of entry or ability to take your posessions as the paperboy - none. If they come, you can ask them to leave - if they don't then they are trespassing.