Struggling with debt? Ask a debt advisor a question

louisebbctlc

Hi iam about 3,000 in debt and was wondering if there was a company thats could help me clear this debt by contacting the people for me and setting me a set amount each month to pay? Many thanks

LuckyBiscuit

Hi i have debts of about 10 yrs old, been through a failed IVA, failed jan 09, only 3 creditors have contacted since, making token payments of £1,£13 and £10. Also have approx 30k that havent contacted us.
My question is, is it unreasonable to ask them what the debt was originally for, they have been passed around so many times and if so, could that possibly make them unenforceable if they dont produce the original docs, as im not sure if the amounts are made up bulked by charges or PPi etc.It I wasn't sure as we have been making payments to them???
thanks Bis XXX

ineverdid

I took out a loan with a UK bank £25000) but i did this while living in jersey. I still live in jersey. I now have no means to make repayment of the debt as I am unemployed. What can I do?

CCCS_Sue

louisebbctlc wrote: »

Hi iam about 3,000 in debt and was wondering if there was a company thats could help me clear this debt by contacting the people for me and setting me a set amount each month to pay? Many thanks

Hi Louise and thank you for your message

In order for us to give you advice on your current situation, you would need to either call for an appointment to speak to one of our debt counsellors or use our online debt advice facility, Debt Remedy.[FONT=&quot] www.cccs.co.uk/ref/drcu[/FONT]

A DMP is not always the best solution for everyone, but all options would be discussed at your appointment.

Regards
Sue

StepChange_Pavan

LuckyBiscuit wrote: »

Hi i have debts of about 10 yrs old, been through a failed IVA, failed jan 09, only 3 creditors have contacted since, making token payments of £1,£13 and £10. Also have approx 30k that havent contacted us.
My question is, is it unreasonable to ask them what the debt was originally for, they have been passed around so many times and if so, could that possibly make them unenforceable if they dont produce the original docs, as im not sure if the amounts are made up bulked by charges or PPi etc.It I wasn't sure as we have been making payments to them???
thanks Bis XXX

Hi Bis, and thank you for your post.

I would recommend that you apply for your credit file to find out exactly how much you owe and who the debt is held with. This credit explained booklet gives you more information about credit files and how to apply for yours.

Once you know who the debt is with, you could ask them for a ‘subject access report’. This is a request for all of the information that they hold about you on file. This should also detail any payments you have made and how the amounts have totalled to what they are. There is usually a fee for this and this guide will tell you how to go about this.

Usually, consumer credit debts are unenforceable if there is clear evidence that the creditor in question has breached the guidelines set within the Consumer Credit Act. Debts can also be unenforceable through the Limitations Act. However, as you have made payments within the last 6 years, this would not apply to your debts.

I hope this answers your question.

Kind regards
Pavan

StepChange_Pavan

ineverdid wrote: »

I took out a loan with a UK bank £25000) but i did this while living in jersey. I still live in jersey. I now have no means to make repayment of the debt as I am unemployed. What can I do?

Hi ineverdid, and thank you for your post.

Because your debt was taken out in the UK, we can advise you on your options. However, we would need more details about your situation to discuss these with you, so you would need to call us for an appointment to speak to one of our trained debt counsellors.

You can call 44 113 297 0126 and lines are open Monday to Friday 08:00-20:00. It would be helpful that when you call you have details ready regarding your income, expenditure and creditors, as this can help speed up the referral process. If you have this information ready it may be possible to refer you directly to a counsellor if one is available, otherwise we will arrange a time that is convenient for you to be called back for an appointment.

Hope this helps.

Kind regards,
Pavan

LuckyBiscuit

CCCS_Pavan wrote: »

Hi Bis, and thank you for your post.

I would recommend that you apply for your credit file to find out exactly how much you owe and who the debt is held with. This credit explained booklet gives you more information about credit files and how to apply for yours.

Once you know who the debt is with, you could ask them for a ‘subject access report’. This is a request for all of the information that they hold about you on file. This should also detail any payments you have made and how the amounts have totalled to what they are. There is usually a fee for this and this guide will tell you how to go about this.

Usually, consumer credit debts are unenforceable if there is clear evidence that the creditor in question has breached the guidelines set within the Consumer Credit Act. Debts can also be unenforceable through the Limitations Act. However, as you have made payments within the last 6 years, this would not apply to your debts.

I hope this answers your question.

Kind regards
Pavan

Thanks for your reply, I got a copy of my credit report last month and they have all dropped off, all exept a few, which arn't the ones im paying and they should do so in November, according to time scales
Does that make any difference???

josscotgrave

I spoke to you a few days ago regarding bailiffs (penham excel ltd.) and their intended Baliff action (post #913 page 46, #921 page 47). Your help and advice so far has been invaluable and appreciated. They have responded in the following manner:
Please read it i have posted some questions at the end which i could use quick advice with.

Dear Sir/Madam,
(dated 13/10/10)
Re:Council Tax Arrears

With reference to your recent letter, the contents of which have been noted.

I regret to advise you, that we are unable to enter an arangement to pay the arrears at this stage. Before we are in a position to accept an arrangement, we must attend your premises while you are present, in order to levy Distress in respect of these arrears.

If this procedure is not carried out, full payment must be made to this office by 20/10/2010.

A Charge will be made for this procedure in accordance with the statutory regulations Governing the Administration and Enforcement of Council Tax.

Please contact this office on the above number,to discuss a date when our representative may call around to complete this procedure.

If we do not hear from you within SEVEN days then we shall continue action to recover the arrears. Such action may incur considerable additional fees, which will remain due and payable by you as the law directs.

---

Further help is appreciated on the following:

1. I have the first 100 pounds as promised, should i still send it to them? I was planning on doing this registered,by cash today (with my reference number)as I have no bank details for them or other info.

2.the charge they are referring to paragraph 3 what charge is this? and how can they justify adding more monies on top surely this should be capped?

3.What action is it they refer to if (and bare in mind im following advice),i do not contact them yet send them £100 and have no communications from them or let them in my parents residence?

4.Do they deliberately write letters to envoke worry?

A swift reply as to my next step would be appreciated so i can get to the post office before work. Many thanks.


Jon

*edit* due to it starting to get late I have been and sent the sum of £100 to Penham Excel LTD.

louisebbctlc

Thanks i will do that x

ineverdid

Hi ineverdid, and thank you for your post.

Because your debt was taken out in the UK, we can advise you on your options. However, we would need more details about your situation to discuss these with you, so you would need to call us for an appointment to speak to one of our trained debt counsellors.

You can call 44 113 297 0126 and lines are open Monday to Friday 08:00-20:00. It would be helpful that when you call you have details ready regarding your income, expenditure and creditors, as this can help speed up the referral process. If you have this information ready it may be possible to refer you directly to a counsellor if one is available, otherwise we will arrange a time that is convenient for you to be called back for an appointment.

Hope this helps.

Kind regards,
Pavan





Pavan

But I DID NOT take the loan out in the UK. Jersey is not classed as the UK it is not covered by UK laws.

As the loan was not taken out in the UK, I do not live in the UK I cannot have an IVA or BR so I am not sure what my options are?

Regards,