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It's ALL going wrong...

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Comments

  • Rochdale_Guy
    Rochdale_Guy Posts: 1,710 Forumite
    Lexxi wrote: »
    I don't understand how they can take it off now? Can you query it or ask the union? At the very least you not working a full holiday year they should be pre-rata'd. I don't understand that at all, why not just cut your holiday entitlement rather than forcing un paid leave?

    PPI, if you don't know whether or not you had it then you would pt a subject access request in I would think, however these cost.

    My mum just sent off the template letters to anyone she ever had a loan from, well bank wise, as she wasn't sure who she took PPI with, and they wrote back saying, I'm not sure we owe you and she wrote again saying yes you do, one coughed up this week, a few thousand and I think the loan was from the early 90s!

    Thanks. The Council is a law unto itself, they do what they want :(

    Re: PPI, I can't even afford the "subject access" request.

    I could go the template letter route as above, they would write back saying no we don't, I would write again saying yes you do, and then they'd write back saying you never took PPI and I'd look a right idiot. Plus it would be stressful too :(
    .
  • Rochdale_Guy
    Rochdale_Guy Posts: 1,710 Forumite
    euronorris wrote: »
    As you are not sure, you would be better off first doing a SAR (Subject Access Request). This is where you basically ask for all information that they hold on you, in accordance with the Data Protection Act. I think though, that you do have to pay 10 quid for this. There are template letters on the forum somewhere for this too.

    Alternatively, if you have the original agreement still, it should show it in the breakdown there. ie loan amount xxxx, PPi amount xxxx, interest rate X%, repayment term X years, total repayable xxxxx (that sort of thing).

    Once you have this info, then you can set about using the template letters to reclaim the PPI.

    It doesn't matter if you had it for 1 month or 10 years. If it was mis-sold, and you paid the premiums, then you're entitled to a refund (however big or small).

    I also reclaimed some of mine, but I didn't have much to reclaim in the first place. I think I got back close to 500 quid though.

    I STILL need to follow up with Sainsbury's! lol

    Thank you. £500 is better than nothing.

    So if it's £10 per subject access request, that's me out of pocket to the tune of fifty quid when a voice in my head is telling me I never took any PPI out on my cards as I knew back then how much credit cards cost and I wasn't going to pay them back any extra. But look at me now eh? Wish I had taken the stupid PPI out :(

    I definitely don't have the original agreements. i have twice yearly big shredding sessions to clear the mountain of bills, invoices and statements I receive in the post.
    .
  • I definitely don't have the original agreements. i have twice yearly big shredding sessions to clear the mountain of bills, invoices and statements I receive in the post.

    Snap RG ..... I know I had PPI on my cards (many of them :o) but I've not got any of the paperwork now & it's way over 6 years so I'd get nowhere without it......... sucks eh!
    Grocery Challenge £211/£455 (01/01-31/03)
    2016 Sell: £125/£250
    £1,000 Emergency Fund Challenge #78 £3.96 / £1,000
    Vet Fund: £410.93 / £1,000
    Debt free & determined to stay that way!
  • Rochdale_Guy
    Rochdale_Guy Posts: 1,710 Forumite
    euronorris wrote: »
    Start looking for a new job now, if you aren't already. Get yourself registered with agencies online, and the local ones, sign up to LinkedIn etc. Ask your friends, ask your family, everyone to put the word out that you are looking for work and if they know of any positions available.

    Will you be receiving any redundancy pay?

    And lastly....don't panic! Worst comes to the worst, you just start making token payments of 1 quid to each of your creditors. They can hate it, they can chase you, but they can do very little else other than that (assuming all this is unsecured debt, which I think it is). They, quite simply, cannot take money you haven't got.

    I haven't taken any of this leave yet. Don't forget it's 2 days plus 4 compulsory over the Xmas period.

    I should be getting 10 weeks redundancy pay, will have to see what official letter I am given on Monday 20th :(

    Re: creditors, as in my above post/s, I heard a creditor can apply to make you bankrupt? Anyone confirm this?
    It's not a few hundred quid I owe, it's £26,000 which I struggling to pay back NOW at £126 a month.

    Wait until I have no job and income :(
    .
  • Rochdale_Guy
    Rochdale_Guy Posts: 1,710 Forumite
    Hi Rochdale_Guy,

    I found this thread today and am so far up to page 22 (only reading the OP's posts and a couple of others here and there.)

    If you get chance it really is worth a read. It's a 27 year old girl from Bolton who was £20k in debt (not including mortgage) and started her own business with a view to becoming a millionaire by the time she's 40.

    I'm only up to page 22 of 33 but there's a lot of good stuff in there that I think could give you a different outlook on your situation and what is possible.

    My Story:

    Four years ago I was £15k in high interest credit card debt, really struggling to make payments and then I lost my job. All my friends owned houses and went out partying while I stayed at home trying to work out how to pay my minimum payment on one credit card with the last of my credit limit on another.

    I looked for jobs, had some interviews and the best offer I got was £18k a year selling houses for a shared ownership scheme in Manchester called Plumlife. On that it would take me YEARS to make even a dent in my debt.

    I decided I'd had enough, didn't want to earn £18k selling crappy shared-ownership housing and started my own business with £500 in an area I had ZERO experience in.

    I learnt everything I needed to know from the internet. I literally had a PC, Internet and Phone. No skills in the area, no experience, no connections and only £500

    It was hard going, a very steep learning curve, long hours and I made more than a few mistakes along the way, but now, four years later I have paid off ALL my debt (£15k + £5k student loan), bought a new (to me) car and motorbike (£6k), been to Australia for a month (£4k), to the Caribbean for a fortnight (£3k) and am just putting the finishing touches to a deposit for a house (£22k). (And thanks to my business I can work anywhere in the Country - bye bye Rochdale)

    I thought just clearing my debt would take me 10 years and when you're looking so far into the distance it seems pointless doing anything as even then it will take so long. But I did something, got my head down and over 4 years COMPLETELY turned my life around and got into a position that had previously seemed decades away in the distant, distant future.

    I don't write this to say 'look at me', but to try and show you that people have been in a similar situation, done something about it and made a difference. I COMPLETELY agree that a debt-free date of 2030 is ridiculous and depressing, but only if you believe it and think that that is all that's possible.

    I hate to think what my predicted DFD would have been if I worked it out and admit if I had worked it out it probably would have put me off doing anything about it as it would have seemed insurmountable. But it wasn't, it only took four years and everything has changed.

    I will look at it later, thanks. Well done to her, and also to you.
    .
  • Rochdale_Guy
    Rochdale_Guy Posts: 1,710 Forumite
    Growurown wrote: »
    I am speechless - this is appalling! And yes how can they take the money off you now when you are going to be made redundant before the date? I would definitely query this with your employer.

    Welcome to the world of a Rochdale Council employee, decommission your service, make you redundant, then take holiday pay off you when you are already down and out.

    And if you are lucky to be kept on, you then have to take 4 days forced at Xmas UNPAID, have your weekly working hours increased from 36.25 to 37 hours, have a pay freeze for a year, and lose loads of benefits like car user allowance etc etc, that doesn't effect me, but it's just a taster of what it's like :(

    I have given them 10 years of my life...... thanks very much, and yes, I am very down and annoyed :( :mad:
    .
  • Rochdale_Guy
    Rochdale_Guy Posts: 1,710 Forumite
    Snap RG ..... I know I had PPI on my cards (many of them :o) but I've not got any of the paperwork now & it's way over 6 years so I'd get nowhere without it......... sucks eh!

    It more than sucks.... it's soul destroying :(
    .
  • It's not a few hundred quid I owe, it's £26,000 which I struggling to pay back NOW at £126 a month.

    Wait until I have no job and income :(

    Am a bit confused by all this.... you havent yet been made redundant is that right? apologies if that seems like a daft question... however am assuming you are still on full pay? from what i can gather from reading the previous posts u have no dependants and live in rented accommodation....

    Having not yet been made redundant and all debt the £26,000 owing with cccs paying £126 a month... im struggling a bit to understand where your monthly wage is going.... have u posted an soa?

    10 years working for the council must be paying a fairly decent monthly wage and as you have not yet been made redundant budgeting under the cccs guidelines for living expenses etc one would assume would leave a fairly hefty surplus unless im missing something major?

    Again apologies just not getting my head round receiving a decent monthly wage...paying £126 for debt repayments and being unable to factor in a £29 per month rent increase??
    On the road to financial freedom.... one MSE penny at a time....:T
  • euronorris
    euronorris Posts: 12,247 Forumite
    Part of the Furniture 10,000 Posts Name Dropper PPI Party Pooper
    Thanks. The Council is a law unto itself, they do what they want :(

    Re: PPI, I can't even afford the "subject access" request.

    I could go the template letter route as above, they would write back saying no we don't, I would write again saying yes you do, and then they'd write back saying you never took PPI and I'd look a right idiot. Plus it would be stressful too :(

    You won't look stupid. You'll only be asking for a copy of the information they hold on you at first. You won't be specifically asking for the PPI related information, so they won't know.

    You are building things up in your head at the moment and seeing the worst case scenario where there isn't necessarily any need to. Have you spoken to your GP about how you're feeling with all this?
    February wins: Theatre tickets
  • euronorris
    euronorris Posts: 12,247 Forumite
    Part of the Furniture 10,000 Posts Name Dropper PPI Party Pooper
    I haven't taken any of this leave yet. Don't forget it's 2 days plus 4 compulsory over the Xmas period.

    Then query it! Today! They shouldn't be making a deduction when you haven't had the time off yet!

    I should be getting 10 weeks redundancy pay, will have to see what official letter I am given on Monday 20th :(

    10 weeks is better than nothing.

    Re: creditors, as in my above post/s, I heard a creditor can apply to make you bankrupt? Anyone confirm this?
    It's not a few hundred quid I owe, it's £26,000 which I struggling to pay back NOW at £126 a month.

    Wait until I have no job and income :(

    I think it might be possible for a creditor to apply to make you bankrupt (I'll check), BUT.....it is not in their best interests in this case. You have no property/assets to sell off in order to repay them, so by making you bankrupt, they'd only guarantee that they would get LESS money back from you. So please try not to worry about it.

    I know it's 26k, but I was in debt to the tune of almost 18k to begin with and now it's only a few grand (and it's owed to my bf, interest free, rather than the banks etc). You CAN and WILL turn this around. It might take some time, and there may be setbacks along the way, but you will get there. You didn't run up the debt in one day, one week or one month, did you? So it's going to take a while to get rid of it too.

    When you have no income, you drop your payments to token payments of 1 quid until you have an income again. But you really, really need to talk to CCCS now. They are not there to judge, they are there to help you, but they can't do that if you don't talk to them.
    February wins: Theatre tickets
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