my friend £13k need help please!!!

clarissa_D

hi ya i just been talking to my friend.. she has a little 2 year old girl and was with her ex bf for 3 years and they bothe totaled up £13k now he has left her to deal with it all after cheating on her thru the whole relationship... he said he would help with repayments but now he is leaving her to wit she gets £400 per month
hfc 6k jeff pays the £150 per month but is making me pay it £6k at £150 p/m but says i gota pay it now
natwest is £3k i pay them £50 pm
outfit total=300 p/m=£5
halfords i owe £1000 and they asking for full amount
jd i owe bout £400 and pay per month £10
in total the debt is £13k
he is now saying either he comes into the house after he has been on holiday .. to get all kitchen appliences.. every think is in my name but he pays for it.. im that desperate i would prob even prostertute myself off to clear it.. im left after bills sum weeks with just £2 :sad: and with a baby i reli dont know what to do i have phoned up pay plan and they cant help me i have contacted the council as they have a loan scheam im on there books.. i just wish there was a 1 payment a month i can do so i can afford to do things with my little girl.. i dont work yet but i need training b4 i do start work just seems like there is no where to turn im in tears all the time .. please if any1 knows a way id really apprecite it.

being a friend i wish i could do more for her it kills me to see her like this and the environment there little girl goes thru.. plus she also had an abortion recently as well so she is really down and upset im scared for her and leah as he broke in and stole her computer wich is in her name but he pays for.. the agreement was that she stays home and looks after baby he goes to work and pays bills..
myself i have tryed to help with lowering bill costs.. but i really don't know how to help her out.....

CLAPTON

i find it a little confusing but

a. are all the debts in her name only?
b. is her income all state benefits?
c. who is actually paying the debt payments at the moment?
d. is the property rented or on a mortgage
e. are the essential bills up to date (i.e. rent/mortgage/council tax/utility bills)
f. has she defaulted on any of the loans?
g. has the bf moved out
h. what reason did payplan give for not being able to help her?
i. can she post a fill statement of affairs so we can see the income and spnding

clarissa_D

ok a yes all debts in her name
b yes all benefits £400 pm
c. she is paying them now as he was paying sum but now he said she has to
d. property is council rented
e. bills yes as far as i know yes
f. yes she hasn't been payin the £6k loan and has bank charges
g. bf has moved out yes
h. pay plan said they cant help as she doesnt have £100 spare to repay!!
i. she wont write anythink up im doing this as a mate i think £120pm is on bills and food ect

CLAPTON

without full details of her income and spending i can only suggest the following:

a. check what benefits she is entitled too. this is an area i know very little about but maybe someone else can contribute here.. has she e.g. contacted the council about her rent and council tax? i think as she has no earned income these will be paid for her.

b. she should stop paying all unsecured debts. (stop all DDs if she has them)

c. she should write to each creditor and explain her circumstances and say although she wishes to pay she simply has insufficent money. as a gesture she should offer to pay £1 per month per creditor.

d. she must keep copies of the letters

e. her creditors (well some at least) wont like this and will write and/or phone threatening all sorts of things. under no circumstances should she change her mind about paying £1 whatever they say. She is best to refuse to discuss anything on the phone and only deal with matters in writing.

f. she should urgently open a new bank account with a bank that she owes no money to (i'm assuming that she owes money to her bank). she needs to get all her benefits paid into this new account otherwise the bank will take all her money to pay their debts.
The bank account may have to be a basic bank account if her credit rating is poor. These dont allow overdrafts or cheques but do allow cash card, DDs and standing orders.

The_Tax_Mans_Cash_Machine

clarissa_D wrote:

hi ya i just been talking to my friend.. she has a little 2 year old girl and was with her ex bf for 3 years and they bothe totaled up £13k now he has left her to deal with it all after cheating on her thru the whole relationship... he said he would help with repayments but now he is leaving her to wit she gets £400 per month
hfc 6k jeff pays the £150 per month but is making me pay it £6k at £150 p/m but says i gota pay it now
natwest is £3k i pay them £50 pm
outfit total=300 p/m=£5
halfords i owe £1000 and they asking for full amount
jd i owe bout £400 and pay per month £10
in total the debt is £13k
he is now saying either he comes into the house after he has been on holiday .. to get all kitchen appliences.. every think is in my name but he pays for it.. im that desperate i would prob even prostertute myself off to clear it.. im left after bills sum weeks with just £2 :sad: and with a baby i reli dont know what to do i have phoned up pay plan and they cant help me i have contacted the council as they have a loan scheam im on there books.. i just wish there was a 1 payment a month i can do so i can afford to do things with my little girl.. i dont work yet but i need training b4 i do start work just seems like there is no where to turn im in tears all the time .. please if any1 knows a way id really apprecite it.

being a friend i wish i could do more for her it kills me to see her like this and the environment there little girl goes thru.. plus she also had an abortion recently as well so she is really down and upset im scared for her and leah as he broke in and stole her computer wich is in her name but he pays for.. the agreement was that she stays home and looks after baby he goes to work and pays bills..
myself i have tryed to help with lowering bill costs.. but i really don't know how to help her out.....

Why does it start with she, then change to I, then back to she again?

Can you type proper words instead of text gobbledegook.

calleyw

The_Tax_Mans_Cash_Machine wrote:

Why does it start with she, then change to I, then back to she again?

Can you type proper words instead of text gobbledegook.

That is a tad harsh. Maybe she is really talking about her self but rather than admit it said a friend and then forgot as she typed it. And emotions can cloud what you write.

A SOA would be most helpful.

I would suggest that she talks to CCCS or Payplan (see top of board). As it seems she is not strong enough to deal with this at the moment.

CCCS/Payplan will help take the burden off her shoulders by dealing with the companies directly and that will stop phone calls and letters.

They can't take what she does not have. If she has no assets they can't take anything.

All the best.

Yours


Calley

postingalwaysposting

The_Tax_Mans_Cash_Machine wrote:

Why does it start with she, then change to I, then back to she again?

Can you type proper words instead of text gobbledegook.

i think part of it is copyed from an email... at least thats what i think and calley right we should support her and her friend

calleyw

postingalwaysposting wrote:

i think part of it is copyed from an email... at least thats what i think and calley right we should support her and her friend

postingalwaysposting,

I think you are right after reading it that does make sense what you say.



Yours



Calley

clarissa_D

hi ya .. its my friend.. she emailed me her problems thru msn chat.. and i copied and pasted sorry for the confusion everyone.. we already contacted pay plan and they said they cant help her as she hasn't got the funds for repayment.. she was here crying i can't bear to see her like it..
she managed to get payments down to £5 per month on 2 of the cards the pther 2 she hasn't contacted. the £6k loan is a joint account but her ex is now not paying it and saying she will have to £150 pm..
thanks you for ur help i really appreciate it and will pass it all on to her!
i myself have a £800 debt that isn't mine but being paid back. so i know its not me xx thanks guys for ur support !!!

Toomuchdebt

Would bankruptcy be an option as she has so little available to her?

clarissa_D

hi she said she would of considered it but was told they would collect items from her home to pay some of the debt back.. unless she has been miss informed on this its an option she would consider!!