date set :) january 4th :( so far away

thefishdude

so i have a date for my br pettion but was shocked to find out i have to wait till january 4th. i phoned to see if a walk inservice was available or if i had to make appointmnet and january 4th was earliest i could get which i am alittle about.

its 3 more weeks and now i have to go through xmas with this still hangng over my head. letters daily and phone calls to start aagin im sure.

i did have some payment plans set up wich kept the companies i owed money to banks and cc.s relatiely quiet. but this month i could no afford any of the payments due to vets bills . but knew i was gonan go br this month. but now i have to wait till january.

also i got one letter saying i had t pay all i owed back or they would start legal proceedings, it looked like the standard letters i have had before excect just sais a solicitiors in top corner and sais i have 14 days.

do you think rthis is a real threat ? and what will happen then ?? i just need to hold them off till january 4th.

IF

Hi TFD, I'm sorry you have to wait that long, do try ringing the court daily they often have cancellations. Seems like a standard letter, who is the creditor the solicitors are representing?

thefishdude

its lloydstsb credit card

IF

It is just a scare tactic to get you to pay. Just hang on in there until the 4th or if you get a cancellation.....I know it's easier to say than do.

Best wishes
If...x

debtinfo

3 weeks is actually quite quick taking into account the time of the year (the courts will be closed for a week)

There is not a lot the creditors can do in 3 weeks, try not to worry about it

fiveyearplan

3 weeks will come around quickly, especially this time of year. Have you filled in your forms, posted your SOA on here for advice etc.

JMV

Try not to let the phone calls get to you....my husband used to get really angry with them, I just thought they were stupid

The best way I found of dealing with the phone call is to answer the phone, confirm you are who they want to speak to but when they try and do the confirmation (Date of Birth; Postcode etc) tell them "I am not comfortable giving this information over the phone"...because of data protection they cannot proceed with the phone call if they cannot confirm you are who you say you are - they usually end the call and tell you they will send a letter

The likelihood is that they won't call again for a few weeks - by which time you'll be BR

Chin up and count off the days on your calender...

Have a Merry and peaceful Christmas

Angiepange

Your date will be here before you know it, although I know how upsetting it is to receive constant phone calls and letters.

I agree with If, ring up on a daily basis to check for cancellations as you never know, and If I was you I would ignore the phone (have you got caller display?), hard as it is and just try and enjoy the festive period.

Your fresh new start is only round the corner, so hang in there and post here for support, we are all here for you. Good Luck x

Falze

thefishdude wrote: »

its 3 more weeks and now i have to go through xmas with this still hangng over my head. letters daily and phone calls to start aagin im sure.

For about 2 months everytime the phone rang me or Mrs F would say we werent there. Or we would get the dates of birth wrong or we would listen for a while and drag it on and then say sorry gotta go.

Mix it up abit. Dont get upset or angry. Have fun (i found it was the easiest way to get through it).

I'm not being flippant about the whole situation, its just a coping mechanism. These people have generally been told the situation numerous times.

andyf1980

I turned up at the court expecting a walk in. Had psyched myself up and everything. Come back in a month

Hopetobefree01

Hi Thefishdue,

Im am yet to start the ball rolling in terms of the bankc - however I have been with the CCCS about a year ago - prior to this I had the phone calls, the letters....they are all scare tactics...if it helps I would get yourself a cheap PAYG mobile with a new number -give it to friends and family etc and ignore the other one...the letters are just standard. To be honest 3 weeks over Xmas will be a great time as most places who work in debt management for banks etc may be off or only working set days....dont worry.xx :-)