The future is still bright for 3Dogs - Take Two

3Dogs

So, the story so far - part twelve:

So let’s get down to the nitty-gritty shall we and actually detail those debts – eek do I have to – yes I do!:

Me:
Credit Card – long since cut up and defaulted.................................. £ 1,116
Old overdraft............................................................................. £ 1,160
Catalogue – long since defaulted ...................................................£ 2,380
Catalogue – even longer since defaulted ........................................ £ 465
Hire Purchase – long since defaulted ..................................... ........£ 1,320

Mr 3Dogs:
Credit card – long since cut up and defaulted ................................. £ 646
Balance on HP loan for car which we voluntarily surrendered ............ £ 2,093
Menswear catalogue – long since defaulted ................................... £ 552

Joint:
Old overdraft on joint current account.......................................... £ 1,667

So total non-priority debt .......................................................... £11,400

But remember we had council tax and rent arrears as well!!
The debts in blue are the ones Mr 3Dogs didn’t know about at the time

Credit card company pulled their normal tricks – never replied to any of my letters on my account and asked for signature on Mr 3Dogs account, and so I just started to pay them the £1 a month, instead of the £10 a month payable on my previous agreements.

I had been paying £30 a month to DCA for my old current account overdraft balance, but they accepted my £1 token payments fine. I had not yet arranged anything concerning our joint account overdraft. My catalogue was a little more difficult but did eventual agree to a reduction from £30 to £1

The main problems I had were with the surrendered car loan and Mr 3Dogs menswear catalogue. With the car loan, I continued to pay just £1 a month to the DCA even though they kept telling me that this was not enough. In September I received a letter from the DCA saying that the debt had been transferred back to the original creditor, who wrote requesting full payment. It was the same with Mr 3Dogs catalogue – though they kept telling me that the payment they had received with less than the agreed repayment of £20 and I had to pay the difference as well as next payment by next month – oh, and just to add insult to injury, they kept adding £12 for every letter they sent me telling me this – as the two letters saying the payment was less than agreed and that I had to pay difference and be charged £12 came separately, I was charged £12 twice - £24 per month added on each month, which meant that this debt just went up and up and up. And to this date they keep ringing up several times most days, but we recognise the numbers they call for as it comes up on the phone display, and now we just don’t answer them.

And so the six months went by, with me continuing my £1 payments without fail and paying extra to the previous year’s council tax and our rent arrears. The old council tax arrears were cleared in July 2010, but the rent arrears took longer to clear than I had planned, with other things cropping up, though that will be up to date as of 27th November 2010 – yippee!!

Anyway, with our rent arrears nearing clearance, I did the CCCS Debt Remedy online again using figure which assumed this fact, and it came up recommending a DRO (Debt Relief Order) for me, i.e. I had less than £50 left after normal household expenses, no assets over £1000, and a car (van) worth less than £1000, so I clicked the button and they sent me out a pack with the application forms and all the relevant information. They enclosed a form to request a free up-to-date Credit Report from Credit Expert and I sent off that form straight away, receiving the report within a few days. Nothing different was showing on the report, so that was OK. I also had to contact all my creditors for up-to-date statements or letters confirming the current amount outstanding on each account. These eventually came back in, though when I telephoned the creditor about the £1,300 owing on our TV hire purchase account they confirmed that the debt had actually been written off and they sent me a letter confirming this. Doing all this really made me feel more positive about my situation again – that that light was getting brighter at the end of that long tunnel

So, with all the documents I needed together, I posted them off to CCCS with the DRO application forms, by recorded delivery on 12th October. I received a letter back requesting statements/letters confirming balances from all Mr 3Dogs creditors too, and posted them to CCCS again by recorded delivery on 26th October, but they were returned to me a week later stating that they had requested them in error, thinking that Mr 3Dogs was applying for a DRO at the same time. I had explained in my application on 12th October that he was not eligible due to having a pension fund, but they had missed this point when checking through originally

I would add here, for future reference, that my Mam, who lives up in North Tyneside as does all of our family, was taken into hospital on Tuesday 16th October 2010 and, after seeing how things were going, I went up their by train on Saturday 23rd October. I posted Mr 3Dogs’ requested paperwork to CCCS from up here and Mr 3Dogs, who stayed at home looking after the doggies, told me that they were returned, reading out the letter to me on the telephone. As I was up North and I expected a telephone call from CCCS anytime to go over the details of my application, I telephoned them mid November to explain my situation, to be told that I would get a letter within the next 2 weeks with a draft application to check and sign, together with paying-in slips to enable me to pay the £90 fee. Mr 3Dogs told me on 26th November that the letter had arrived and he posted it up to me to deal with. I would add that, at the beginning of November 2010, that Mr 3Dogs told me that I had received a Tax Demand from the Inland Revenue regarding PAYE underpaid for 2 previous years, and Mr 3Dogs sent that up here to me too though I did confirm with CCCS when I rang them that this could be included in my DRO application

So that brings us totally up to date – literally, as I received the paperwork in the post today from Mr 3Dogs and I will be able to continue giving you details in my normal posts. I will continue to post all details regarding our debts in red, so that it is immediately noticeable when lurking or catching up on my diary ..................................

....................... to be continued in my normal posts from now on

3Dogs

You may wonder why I am up so late posting on here - well, my sister flew from Newcastle to Heathrow this morning, with no problems, for business meetings and then saw a show (Jersey Boys - she enjoyed it :j) and was due to fly back to Newccastle at 8.20 pm ........ but all domestic flights were cancelled to enable them to get the long haul flights out on time :mad: I would add that she said that there was very little snow, which was not lying on the ground/runways. After waiting absolutely ages in queues for hotel voucher to be told that all Heathrow hotel rooms were now full, she managed to get into a hotel back in London - actually just round the corner from where she had been to see the show :mad:. She texted me earlier to see if I would try to rebook her flight online as the telephone number she has for this is only open 6 am to 8 pm and she did not get settled into her hotel till after 8 pm. I have been trying ever since, but can only get so far through the process, after which it returns me to the beginning again or tells me that I am unable to proceed as the site is closed/too busy. We arranged for me to keep trying and let her know if I book anything (there is a flight at 12.45 getting back to Newcastle at 2 pm which would suit her) otherwise she will start ringing them from 6 am herself

Bet she wishes she hadn't gone now but she had cancelled this trip twice due to position with Mam, adn it was going to cost her £120 to change it this time, so she took the chance

I'm off to sleep now - can't try any more as I keep getting the same message, so I do hope she can get through on the phone tomorrow

beanielou

Thanks for the update 3Dogs
When can Mr 3Dogs apply for his DRO? Is it April?
Hope you got something sorted out for your sister.

Money_Fritter

Morning folks,

Well managed to get into work again :mad::mad::mad:

I don't know this snow is just not trying hard enough

:rotfl::rotfl::rotfl:

Have a great day folks

Money Fritter

3Dogs

beanielou wrote: »

Thanks for the update 3Dogs
When can Mr 3Dogs apply for his DRO? Is it April?
Hope you got something sorted out for your sister.

Hiya Beanie - yes, the rules change from April 2011 so Mr 3Dogs will be eligible to apply then :j I could not get a flight for my sister last night as the site kept crashing, so she rang them at 6 am and, after being on hold for 45 minutes, she found the daytime flights full but got on the 4 pm one - she did not have to check out of her hotel till noon so she just lazed about (that is hard for her - I bet she did some work via her Blackberry) and then travelled to Heathrow - she texted at 3.40 to say she was on the plane ready for 4 pm take off. Her flight is showing OK on Newcastle arrivals, so it's fingers crossed she geets back

Hiya Frit - well done for making it in to work - you must love that place to battle in every day in this. It has been like a blizzard here most of the day so unable to get down to see Mam so will just have to see what tomorrow brings

MicheH

been watching the Arriva North East and GoNE bus updates on facebook today. Buses have had some trouble today.

3Dogs I had a laugh at Mr 3Dogs last night. When I logged on to see him calling you his 'wangel' fink he was a bit tipsy :rotfl:

DRO ready to go then? It must be a relief, Infact scrap that. I know exactly how it feels like for the law to be on your side where the creditors are concerned.

3Dogs

Hiya Miche - are you keeping warm in the hoose? Good girl :T

Yes, I should be able to post the DRO forms back tomorrow though I should ring them first (when/if my brother is out ) with the tax bill to add

3Dogs

Just got a text from sister who is still on the plane at Heathrow - she texted at 3.40 saying she was on the plane - now the lights have gone off on the runway so they have to trace the fault and fix it before they can take off - so she has been sitting on the plane for an hour and a half :eek: It was due in at 5.10 pm

MicheH

Aw 3Dogs, your poor sister must be so fed up! What time is she due to land now. I couldn't get on the wensite before, just a holding page with a standard notice about planes still arriving/departing but to check with airlines.

3Dogs

:mad: Texts are going straight to outbox instead of sending again :mad: Doing a reset on phone but have 6 messages in there from today so sorry if I did not get back to anyone earlier

Funny, Mr 3Dogs is having problems with his mobile too - it keeps cutting out when he is talking to me - perhaps our mobiles are missing each other too