Doorstep loan need help please!!!!!

[Deleted User]

needhelpplease1978 wrote: »

No he's not at work, he's looking after his elderly dad who's recently had a heart attack, he gets him something to eat and sits with him, and helps him get to bed etc, I could call him but i don't want to stress him out any further so I'll wait till he gets home. he is due to start a new job soon but we have got rent arrears now cos of him being out of work so we need to get back on track there aswell once he gets back to work. Its not that I don't want to pay by the way, that was never the case, I'm just worried about what this company will do next, beleive me if we had the money we would happily pay it, but with the intrest they have added on we still owe them about £450 even though the loan was only £300.

havent you been claiming housing benefits while hes been out of work?

welshmoneylover

needhelpplease1978 wrote: »

Hi really hoping someone can help me. A few months ago I had a £300 loan from a loan company who collect payments from your door each week. My husbnd has recently lost his job and I have been unable to make the payments. I phoned the company before christmas and told them i was struggling, they told me to pay what i could. Then no one came for about 5 weeks!! Now they have started coming to the door again but I just have no money to give them at the moment, it has been getting worse over the last couple of weeks, I have had a letter saying they are going to take me to court, they are ringing me almost every day, and coming to the house about 3 times a week. They are knocking on the window, looking through the window, shouting through the letterbox, the other day she waited round the corner in her car and when she saw me coming down the road followed me in her car until i got home then started banging on the door and shouting through the letterbox again, she even tried to get through my back garden gate but we keep it locked and today the woman even tried to open my front door!! (luckily I had locked it!!) Myself and my children were terrified today and now it is getting to the point where i am scared to leave the house in case she is waiting outside and i jump whenever the door knocks. I literally have no money to pay them and I'm terrified, please please can anyone help me i don't no what to do.

Ignoring the debt collectors isn't going to make the debt go away is it?

You must make contact with them to arrange some sort of repayment plan and fairly soon otherwise the interest payments will keep continuing to rise.

Can't you get a job or sell some assets on ebay to repay this debt you took out?

Flyboy152

welshmoneylover wrote: »

Ignoring the debt collectors isn't going to make the debt go away is it?

You must make contact with them to arrange some sort of repayment plan and fairly soon otherwise the interest payments will keep continuing to rise.

Can't you get a job or sell some assets on ebay to repay this debt you took out?

I would imagine, like the other three million unemployed, she is finding something like that fairly difficult. However, her husband has found work and he is due to start soon.

Mr.Mulla

I am sorry to hear about your situation. I know you are under a lot of stress. But the only way for those visits to end would be to face them, preferably in their office, and try and explain your situation then try and ask for an easier payment scheme.

Best of luck to you.

pippitypip_2

Don't call them and don't go to see them either. Deal with them ONLY in writing and use the templates offered above. Once you have sent the one about comms only in writing you can then report as harassment to the police if they try to contact you by any other means.

The only way to deal with debt collectors of any kind is in writing - keep copies of everything sent and received.

I'm not advocating hiding from them, but to keep them at arms length with documentation as evidence, so definitely get a letter in the post ASAP.

Can you not at the very least offer them a token payment, even if that is £1 if that is all you can afford (weekly or monthly) ? Again, make the offer in writing and get their acceptance in writing.

hth,
pippitypip