council refused payment plan, what now?

Ames

Have you tried asking for the CCA's?

stephbond89

Ames wrote: »

Have you tried asking for the CCA's?

The what sorry?...sorry if that sounds thick lol, just no idea

Ames

I'm sure someone will be along who can explain better than me, but if you have a loan or credit card taken out before 2007 then they have to be able to provide a copy of the agreement you signed if you ask for it. If they can't provide it then they can't enforce the debt in court. If you search for the unenforcibility and template letters thread by never-in-doubt then you'll find more info.

stephbond89

Ames wrote: »

I'm sure someone will be along who can explain better than me, but if you have a loan or credit card taken out before 2007 then they have to be able to provide a copy of the agreement you signed if you ask for it. If they can't provide it then they can't enforce the debt in court. If you search for the unenforcibility and template letters thread by never-in-doubt then you'll find more info.

Ah ok, afraid to say all of the credit cards and loans were taking out in 2008 to present so I don't think this applies to me!!!

gravitytolls

I don't understand why you need to pay the mobile contracts ~ your credit rating is already shot, can you not simply treat them as any other debt and pay a few pounds each month? Then you can use PAYG and ave a significant increase in your bank account each month.

stephbond89

to be perfectly honest, i dont want payg phones. I have to pay for the phone in the first place, which even if its a phone without any features, is going to cost, I send picture messages and dont own a camera, so i need a camera on my phone, even if its just a rubbish one, so thats at least £50 per phone...this is £100 for me and my husband to have phones. Then I have to pay at least £10 a month to top up...and I use my mobile alot, i use it for phoning my mum and dad alot, and i send upwards of 1000 texts per month. So unless i found a phone which was payg and i didnt have to top up £100 per month on them to get what i needed, it wouldnt be worth it.
Also, it is my husband whose credit is bad, my own isnt too bad, hence why i was able to get the contract on the phones in the first place. I dont want to make my debt bigger, i want to be able to carry on paying my phones without getting myself into deeper debt...for you to suggest i write them off as another debt is to be honest, quite irresponsible advice to give, surely i shoudl be doing all i can to keep my debt as low as possible not make it even higher.

hackedoffatthem

Your last post suggests exacty why you are in debt!

You sound a little spoilt tbh.

'I don't want payg phones.' - You don't have the funds to always get what you want.

'I send a 1000 texts a month' - email??

'I send picture messages.... i need a camera phone'.- again email?

Priorities sound a little off the mark atm.

Hope you get sorted soon.

stephbond89

wow ur post makes sense.

I text alot..."email"...
Ok I dont carry a laptop in my handbag with internet connection...so how do i email when im out and about (and text is cheaper than calls and can be done when you cant talk). Also, if i was to email, i would have to know 100% that the person, usually my husband when at work, checks this email within a couple of minutes of me sending it (Im 36 weeks pregnant and about to go into labour, he cannot receive calls, and so texting him is literally the only way to contact him). Emailing may be ok, if I am doing somehting where I can sit back at the laptop and email and know they can email back...and i do facebook when i can instead of text. But its not always convenient.

Also...I say i take a lot of pics and so need a camera phone...how on earth does email help me with this please? Yes it means i can send pics to people through email...but my computer doesnt have a flipping camera attached.

no im not spoiled i just know that it would cost mroe in fees for a payg as i pay for my contract

hackedoffatthem

I have a PAYG phone with T-mobile. On 'Text appeal' tarriff my texts cost 3p each. I top up £5 a month.

I am also heavily pregnant (38 weeks) and so realise how important it is to be able to reach your husband but that does not equate to needing 1000 texts per month!!!!

Also you say even a rubbish camera would do.... I have a little one from Argos which cost £35 (about a third of your monthly contract fee) and upload them onto the laptop to email to family. Although if i couldn't afford this then it would have to go.

stephbond89

for crying out loud this forum winds me up. i send 1000 texts a month, i just do. Im a housewife whose family and frineds all live away, and my husband works 15 hour nights so is rarely home. My only contact with people is text, phoning is too expensive and not flexible enough (i.e. if im shopping and rememeber i need to tell my hubby im not going to be in when he gets back, its quicker to send a quick text than phone him when im trying to push a trolly etc etc). so 3p per text for me would cost upwards of £30 per month. My husband sends around 700 texts too, so thats another £21. THEN we have to pay something off our contract...which is now another debt on our heads...this would be what £5 per month per contract...at least this is another £15 per month. My husband would have his laptop taken back, and wouldnt have the net in work, so this would add more cost to his phone bill as he needs to email work colleagues if anything is wrong, again phoning is too expensive, and texting at 3am is out of the question, so he'd need to use data on the phone...another probably £10 per month at least.

THEN I have to buy two phones, £50 each approximately and this is for "rubbish" phones, most for that price do not have cameras or internet feature (so hubby again wouldnt be able to do some of his work), and then I have the extra £35 of a cheap camera...i have had a camera of this price before...and so i know how useless they are, so this would need replacing probs once a year or so. Same as phones. Sorry but all of this to get rid of £80 a month or so??????????