Telegrams advise

MrOrchard

easy mistake to make!

LeeSouthEast

That's why they do it

FOURCANDLES_2

Hi update today he had a letter from fredrickson and erickson who is acting on behalf of lowell financial coincident this is after yesterdays phone call and also today capquest rang him how they got his new number ??? they say he can make his offer of payment (he has offered and does pay £1 on line) to https://www.fredpay.com by debit card . I have advised against this as could they empty his bank account???. He is worried they will start to ring neighbours although as I told him who cares whats you peoples advise, mine is stick heals in and do not budge an inch although as he said I am not him only helping him . The cccs did advise him to save up and go bust but as I said this would stil be happening.

NorthernLas

I think your friend needs to get face to face advice from CAB or CAP. If CCCS have recommended bankruptcy, then he needs to consdier this and get further advice.

Before he pays anyone anything, he needs to make sure that he knows what the debt is for and that he has the money to pay.

If the debt is old - then he should be writing and asking them to prove he owes them money. He should ignore them until they can do this.

If he gets phone calls, he tell them he is seeking debt advice and ask for them to write to him.

FOURCANDLES_2

NorthernLas wrote: »

I think your friend needs to get face to face advice from CAB or CAP. If CCCS have recommended bankruptcy, then he needs to consdier this and get further advice.

Before he pays anyone anything, he needs to make sure that he knows what the debt is for and that he has the money to pay.

If the debt is old - then he should be writing and asking them to prove he owes them money. He should ignore them until they can do this.

If he gets phone calls, he tell them he is seeking debt advice and ask for them to write to him.

He has spoken to the cccs and the cab who both told him to save up and go bankrupt , he is paying all the newish debts token payments and 1 old debt has come out of the woodwork and he gets a letter of the 2 others 1-2 a year . The thing is if he is writing asking for all this info it is costing money he hasnt got for recorded delivery etc etc .To achieve nothing.

NorthernLas

OK, the only reason I can see to follow up on the old debts is to reduce his debt liability.
If his recent debts are less than £15k, then he could opt for a DRO which only costs £90 which is much cheaper than bankruptcy. Although this should have been discussed as an option anyway.

If the situation is as you say, I would have thought the £x a month would be better saved for fees.

FOURCANDLES_2

NorthernLas wrote: »

OK, the only reason I can see to follow up on the old debts is to reduce his debt liability.
If his recent debts are less than £15k, then he could opt for a DRO which only costs £90 which is much cheaper than bankruptcy. Although this should have been discussed as an option anyway.

If the situation is as you say, I would have thought the £x a month would be better saved for fees.

A dro ? I do not think that was mentioned I think the basic thing was you cant even afford the £6 pm your offering to pay so keep it and save it he has chosen to pay .

NorthernLas

See national debtline info

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=37_debt_relief_orders

http://www.nationaldebtline.co.uk/england_wales/page.php?page=35_options_for_dealing_with_your_debts