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A couple of questions
debtwuss
Posts: 3 Newbie
I'm after some advice over an old debt which I'm still paying...
I've gone through all the paperwork I have and here's a brief summary
Years ago I (stupidly) took on an HP agreement for a car. Within a few months my circumstances had changed and I couldn't make the payments. I wrote to the company involved and asked if they could temporarily put the account on hold, to which I got no reply. 2 months later I got a letter saying they were terminating the agreement and would repossess the car (outstanding balance "£15***.**).
I've got a letter dated 4 months later with a balance of £10***.** so it looks like the car was sold but I have never had notification of this.
I have been making payments since approx '96/'97 to NWS Bank, Blair Oliver and Scott, Buchanan Clarke + Wells, and Apex Credit Management.
Every couple of months I'm bombarded with calls from Apex even though last year I spoke to a supervisor and said she'd take my phone numbers off to stop the calls.
Over last few weeks they've called numerous times on my mobile and don't even give me chance to answer phone. They leave messages asking me to ring back and quote reference number but when I ring them back (on number they leave on voicemail) and quote reference number they go through all security questions and then tell me they can't talk to me and someone from another department will ring me back but they can't transfer my call.
A couple of days ago I actually managed to answer the call and asked them not to ring me again but to make all contact by letter. He said he wasn't sure if this can be done but would try! I'm now being asked to email them details of income/outgoings.
Other than winning the lottery and being able to pay this nightmare off is there anything anyone can suggest to get these people off my back!
1) When I send them details of income/outgoings do I include tax credits?
2) There's a possibility I could be made redunant before the end of the year. If I increase my payments to them now would I be able to reduce them again if I do lose my job?
I've gone through all the paperwork I have and here's a brief summary
Years ago I (stupidly) took on an HP agreement for a car. Within a few months my circumstances had changed and I couldn't make the payments. I wrote to the company involved and asked if they could temporarily put the account on hold, to which I got no reply. 2 months later I got a letter saying they were terminating the agreement and would repossess the car (outstanding balance "£15***.**).
I've got a letter dated 4 months later with a balance of £10***.** so it looks like the car was sold but I have never had notification of this.
I have been making payments since approx '96/'97 to NWS Bank, Blair Oliver and Scott, Buchanan Clarke + Wells, and Apex Credit Management.
Every couple of months I'm bombarded with calls from Apex even though last year I spoke to a supervisor and said she'd take my phone numbers off to stop the calls.
Over last few weeks they've called numerous times on my mobile and don't even give me chance to answer phone. They leave messages asking me to ring back and quote reference number but when I ring them back (on number they leave on voicemail) and quote reference number they go through all security questions and then tell me they can't talk to me and someone from another department will ring me back but they can't transfer my call.
A couple of days ago I actually managed to answer the call and asked them not to ring me again but to make all contact by letter. He said he wasn't sure if this can be done but would try! I'm now being asked to email them details of income/outgoings.
Other than winning the lottery and being able to pay this nightmare off is there anything anyone can suggest to get these people off my back!
1) When I send them details of income/outgoings do I include tax credits?
2) There's a possibility I could be made redunant before the end of the year. If I increase my payments to them now would I be able to reduce them again if I do lose my job?
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Copied to a new thread.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0
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