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StepChange_Pavan

EC_1984 wrote: »

Hi,

I'm looking for some advice on behalf of my partner. We've been together for 2 years and before we met he got into a lot of debts and rather than sort them out he buried his head in the sand and ignored everything. He keeps receiving mail and phone calls from debt collection agencies about money he owes and always seems to be paying off something. He still buries his head a lot, ignoring phone calls, not opening mail and he doesn't keep track of anything. He doesn't know what he owes its just expected that someone will always be contacting him for money. Is there anyway he can find out all of the companies he owes money to and how much?? At least then he would know exactly where he stands and be able to plan a solution to clearing it all!!

Many thanks for any advice!!

Hi EC_1984 and thanks for your post.

It’s a good idea for him to apply for his credit file. All the details he needs should be on there. Once he has this information, we can help him to look through the solutions that are available to him.

This article gives you a lot of information about how credit files work and how he can get his: http://www.moneysavingexpert.com/loans/credit-rating-credit-score

I hope this helps.

Kind regards,
Pavan

StepChange_Pavan

TrixieB wrote: »

Hi, I have posted this on a thread but no replies as yet so posting here too

I recieved a letter from Walker Love just before Christmas re a small amount of unpaid Council Tax, which due to Christmas postal delays and Christmas itself and waiting for the spare money etc, I have only come to pay it yesterday.

I've recieved another letter this morning from this company with an extra £100 added on top! This is more than the original debt.

1. Can they do that legally? Adding £100 after less than a month from first letter? Even banks don't charge that much for a letter!

2. The date on todays letter was before the date on which I actually paid the first amount on the first letter - am I now liable for this extra £100?

Thanks in advance

Hi TrixieB and thanks for your post.

As you’ve already made the payment, they may be willing to waive this amount. I’d recommend that you contact them and make them aware of the situation. Considering the Christmas delays and the fact that you’ve paid it in full they should understand.

Kind regards,
Pavan

cluelesskerry

Thankyou would that be the same for bright house then i am in arreas with them also for £160 4 weeks worth. but they dont listen i told them i will have the money on the 19th jan as thats when we get paid next and told them after this payments will return to weekly as before which they will but they do not seem to give up they are calling at the house around 7pm ish which i told them is un-sociable as this is when my children go to bed they call day and night sometimes as late as 9.30pm! are they allowed? also the manager of the store called round while i was out the other night and discussed the whole account with my partner who has no responsibility to this debt are they allowed to this? i had a go at them anyway telling them if they discussed it again with my partner i would take them to court, (dont know if i can do this i was just sick of them , i told them when i would pay so thought i would give him some of the mouth he was giving me back) im not afraid of the debt collectors i like to stand up for myself, my partner is back at work now and ive told them when first wage comes in they will be first to get it. The manager at bright house is such a (cant say it) when he rang the other night i asked him for head office number to complain about him ringing late at night and his response was ' o i thought you might say that try answering your phone and we wont have to ring late at night' i couldnt believe what i was hearing i told him i answered the phone told them when i would pay so therefore have no need to answer the phone to them again until the date i said i was paying! sorry for the rant but they have really annoyed me!

anyway back to my question is this normal practice to behave like this and are they allowed?

roseybud

My husband had a ccj registered against him at our old address by our bank for a credit card even though we notified the bank of our change of address and still have a current account with them - they have an attachment of earnings set up with payments being taken direct from his wages and that is the first we discovered about the ccj - I have contacted the solicitors who applied for the aoe and asked them if it would be possible for the money to be deducted from my wages instead of his only to be advised that the only way to stop the aoe is to settle the debt in full - this is causing my husband a lot of stress and anxiety and is affecting his employment - I am not disputing paying the money back but would just like to remove the stress from my husband - is there anything that you could recommend and could I approach the court to have this moneyn takien from my wages as it would not have adverse effect on my employment compared to him

Thanks in advance for any advice

StepChange_Pavan

cluelesskerry wrote: »

Thankyou would that be the same for bright house then i am in arreas with them also for £160 4 weeks worth. but they dont listen i told them i will have the money on the 19th jan as thats when we get paid next and told them after this payments will return to weekly as before which they will but they do not seem to give up they are calling at the house around 7pm ish which i told them is un-sociable as this is when my children go to bed they call day and night sometimes as late as 9.30pm! are they allowed? also the manager of the store called round while i was out the other night and discussed the whole account with my partner who has no responsibility to this debt are they allowed to this? i had a go at them anyway telling them if they discussed it again with my partner i would take them to court, (dont know if i can do this i was just sick of them , i told them when i would pay so thought i would give him some of the mouth he was giving me back) im not afraid of the debt collectors i like to stand up for myself, my partner is back at work now and ive told them when first wage comes in they will be first to get it. The manager at bright house is such a (cant say it) when he rang the other night i asked him for head office number to complain about him ringing late at night and his response was ' o i thought you might say that try answering your phone and we wont have to ring late at night' i couldnt believe what i was hearing i told him i answered the phone told them when i would pay so therefore have no need to answer the phone to them again until the date i said i was paying! sorry for the rant but they have really annoyed me!

anyway back to my question is this normal practice to behave like this and are they allowed?

Hi again,

Don’t worry about the rant, they shouldn’t be calling at unsociable hours and they certainly shouldn’t be discussing your account with anyone else.

It’s a good idea to report them to the Financial Ombudsman Service http://www.financial-ombudsman.org.uk/ as they have already breached the OFT’s debt collection guidelines (http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/OFT664Rev.pdf)

I’d recommend that you make them aware of this, as you’re right in thinking that they shouldn’t be harassing you like this. Stick to your guns like I said and offer them a copy of your budget as proof of what you can afford.

I hope this helps.

Kind regards,
Pavan

StepChange_Pavan

roseybud wrote: »

My husband had a ccj registered against him at our old address by our bank for a credit card even though we notified the bank of our change of address and still have a current account with them - they have an attachment of earnings set up with payments being taken direct from his wages and that is the first we discovered about the ccj - I have contacted the solicitors who applied for the aoe and asked them if it would be possible for the money to be deducted from my wages instead of his only to be advised that the only way to stop the aoe is to settle the debt in full - this is causing my husband a lot of stress and anxiety and is affecting his employment - I am not disputing paying the money back but would just like to remove the stress from my husband - is there anything that you could recommend and could I approach the court to have this moneyn takien from my wages as it would not have adverse effect on my employment compared to him

Thanks in advance for any advice

Hi roseybud and thanks for your message.

As it’s so far down the line, it may be too late to make any changes. However, it’s worth contacting the court to see if there’s anything they can do. It could be helpful if you can prove that the court forms were never sent to the correct address as the AofE could have been prevented at that stage.

Kind regards,
Pavan

Redman1977

Ok got myself into some difficulties and could do with some help.

I have 2 credit cards
1/ RBS Visa with £4700
2/ Capital One with £900

I also owe my tax bill at the end of the month which is £1600.

Im self employed and have work coming in, but i need any advice possible on managing this debt before it becomes too great to handle, have tried to get a 0% balance transfer card but was declined i think because of a low credit rating. I also have my own property which is mortgaged.

Any advice will be appreciated.

MummySaint

Hi there

We have credit maxed out but have an excellent credit rating on experian, I wondered if I would be able to apply for a new 0% credit card deal to tranfer some of the debt if our total available debt has been reached even though the transferred debt card would be stopped and really isnt any new debt. I not sure I've explained this very well but wondered if somebody understands what I'm trying to say whether it's possible to be accepted by a new 0% card Thanks

PG82

Good morning, wonder if someone can give me advice regarding my current situation ;

I currently have approximately £ 30,000.00 of unsecured debt in various forms - ie. credit cards, loans, overdraft etc.

I have previously been in a DMP (Payplan) - but recently decided to 'go alone' and deal with creditors directly, which has largely been successful.

However, I keep thinking the best solution would be to get an additional overall loan to pay off my existing debt, and then just manage one substantial monthly payment which I would not / will not default on (some of existing debts have been defaulted in the past and therefore incurred interest charges).

Can someone give me advice / point me in the direction of a loan company that would be sympathetic to these circumstances - and offer a loan of this amounut ??

Thanks in advance.

PG82

Good morning, wonder if someone can give me advice regarding my current situation ;

I currently have approximately £ 30,000.00 of unsecured debt in various forms - ie. credit cards, loans, overdraft etc.

I have previously been in a DMP (Payplan) - but recently decided to 'go alone' and deal with creditors directly, which has largely been successful.

However, I keep thinking the best solution would be to get an additional overall loan to pay off my existing debt, and then just manage one substantial monthly payment which I would not / will not default on (some of existing debts have been defaulted in the past and therefore incurred interest charges).

Can someone give me advice / point me in the direction of a loan company that would be sympathetic to these circumstances - and offer a loan of this amounut ??

Thanks in advance.