could i have a little advice - whats the next step?

forgetfulelephant

Ive got 12k debt - barely no income

ive done my SOA thing, ive had advice from CCCS

so, ive opened a new account with a bank i have no debt with, ive moved my income into that account, ive moved important DD to that account, now what do i do about my debt repayments?

Do I write them all a letter offering them what the CCCS said, of £1 a month? Do I cancel the DD to them in the mean time?

Any advice about what to do would be fab :j

bottleofred

Hi forgetful elephant and welcome to the forum,

Cancel all the direct debits and send them a letter with a token payment of £1 per creditor. You may also want to send the letter below though, as they will start telephoning and threatening everything just short of death due to non payment. They try to harrass, bully and frighten people though and they can't get blood out of a stone. You may also get a letter of the cccs website or national debtline for the token payments.

Good luck

Red

Dear Sirs,

Account No: XXXXXXXX

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing. I have verbally requested that these stop, but I am still receiving calls and I now require all further correspondence from your company to be made in writing only. I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine. Be advised that any further telephone calls from your company may be recorded and used in evidence and I expect this harassment to cease immediately.

Yours faithfully

forgetfulelephant

I have spoken to two companies (and HMRC) who have asked me to tell them the whole income of the house - even though its my debt, my old debt, and nothing to do with my partner.

Also theyve said they wont accept any thing less that £20 a month, which I dont have!!!

RAS

Old debt? When did you last pay towards this?

HMRC do have to be paid. How much do you owe?

forgetfulelephant

i pay thrm £10 a month

forgetfulelephant

bump :jhoping there is some more advice today