Personal loan,please can someone advise me.

bbfc

grandma22 wrote: »

Hi
I am afraid,im jst not sure what the police involvement will be for,I have no fraudulant intent and I was open with the dca as to what she had said to me.
I am agrophobic and the thought of being dragged to a police station with all those people makesx me want to run and hide.
I was in regular daily contact with my friend,giving her updates everytime I heard when the money may arrive,until she started to tell me spirits were giving her messages and i got afraid and backed off,maybe the wrong thing for me to do.

Say what?? She sounds like a nutcase!

Is it just me or does this entire thread make no sense whatsoever?! I just don't follow what is happening, if it is happening at all.

grandma22

pauletruth wrote: »

as you have been told call the complaints deptment and get someone to come and see you. they will not be nasty to you as you have not committed a crime. however the abuse of power of the husband will see him serving time. think of the asian cop from the met. i hope you have printed all the messages off that they have sent you.
back to the loan for it to be inforcable it would have to have been to a county court. however by placing this intimidation on you its quite possible that a judge would kick the case out.

now you said that a lot of the debt was for stock. how does this become your debt even if you messed up its her buisness and she is responsable for her stock ordering and security. funny really a woman gets conned by someone when her husband is in the plod.

just because you feel guilty over her losing money does not make it your debt.

could you itemise what they claim you owe them.

have you checked on the phone with the debt collectors main number on the web to make sure that they are who they say they are. after all they have used this action before. email the director of the firm/ complaints and make sure this is true.

the last bit either indicates she is a nut or this thread is fake.

no honestly not made ip or fake,truly.
It is like being trapped in a nightmare

grandma22

bbfc wrote: »

Say what?? She sounds like a nutcase!

Is it just me or does this entire thread make no sense whatsoever?! I just don't follow what is happening, if it is happening at all.

For heavens sake,who would have time to do this,I came on here for advice,not to be insulted.

bbfc

grandma22 wrote: »

For heavens sake,who would have time to do this,I came on here for advice,not to be insulted.

I am not insulting you, I just don't really follow what is happening.

If this is all true then your friend really doesn't have a leg to stand on and is just trying to scare you - which is working.

grandma22

bbfc wrote: »

I am not insulting you, I just don't really follow what is happening.

If this is all true then your friend really doesn't have a leg to stand on and is just trying to scare you - which is working.

It is,wouldnt it you?
The whole thing is mad,and i feel Im going nuts too,but i assure you it is every word true

pauletruth

your a vunerable adult she is abusing you. you need to tell us the details of the alleged debt. if your housebound how did you work for her.

grandma22

im certainly not vulnerable,far from it,but I dont break the law either,so this unnerves me,as i dont know what wil happen.
I used to have my own websites but gave up what a tragedy befell my family and this is also the reason for my illness.
I have lots of great contacts for stock and got the stock for her as a friend,sadly out of many,one let me down,it does happen occasionally,too me only the once.
I took responsibility for that because my friend is ill and any stress upsets her illness.
I worked very hard for her all for free,because she loaned me some funds when we had problems.

bbfc

This thread makes as little sense as this one by the same OP...
https://forums.moneysavingexpert.com/discussion/3729773

grandma22

bbfc wrote: »

This thread makes as little sense as this one by the same OP...
https://forums.moneysavingexpert.com/discussion/3729773

you are extremely rude and very ignorant.
I have made 3 posts on forums in my entire life,i do not live on here looking for people to insult.
i came onto here with a genuine concern,i was helped earlier by genuine people,but now it seems the people on here want to pick faults.
I care not that my links dont make sense to you,they did when i originally asked and I have recieved advice through them,so some people had no issues understanding,maybe the issue is yours.
Please just go away

Paul_the_Painter

OK do the following.

1. RELAX
2. breath in - breath out
3. relax

4. the Debt collection agency can do nothing without a court order.

Their current tactic is to get you to agree and admit to all sorts of things, that they can use aginst you in a subsequent court case.

5. Stop telling them anything.
6. Send nothing to them in writing.

7. When you get the money through to repay your (ex)friend, write (YES WRITE! don't email, text or call WRITE!) to your (ex)friend, and the DCA, and offer what you think is fair, and what you think you borrowed (include some interest if you like) in full and final settlement.

8. Require a signed letter and/or agreement from both the DCA and your ex-friend that the above is in full and final settlement

8. Take no notice of the fact that the DCA will be making charges, that is your friends problem, not yours, you have no contract with the DCA, and seemingly not with your friend.

9. Sign NOTHING.