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Former_StepChange_Rory

Stevep wrote: »

Hi, not sure this is the right place but here goes, I had an rbs royalties account, it hen moved in with my partner and we set up a joint account with halifax, I filled out a form to change my wages and dd's etc over to this joint account, now 3 to 4 years on I get a letter telling me I owe rbs £1235 as the account was never closed and have gone to o/d limit due to account changes and interest, halifax are investigating but not hopeful as they say all 3 parties are responsible, rbs will not £0 the account and told me to talk to wescot dpt management to discuss with them, I spoke to them and explained and they are now going back to rbs, has anybody ever had this and what can be done, many thanks in advance

Hi there, thanks for posting.

If you're not happy with the way that things have been dealt with then you should first make a written complaint to the bank and explain what's happened and what you'd like them to do to sort things out.

If you're unhappy with the outcome of your complaint then the next step is to escalate this with the Financial Ombudsman.

This is an impartial body who'll look at both sides of the argument and decide who's at fault. You'd need to make a complaint through the bank first though, before taking it to the Ombudsman.

I'm sure you're not alone in this situation, have a dig around on the forums to see what's happened to other people in similar situations.

Rory

Former_StepChange_Rory

bubbles100 wrote: »

Last year I did an utility switch which didn't complete because my supplier offered price match plus a small discount.

The potential new supplier didn't send me a bill for the period that I was with them(maybe for two weeks only), they had already closed my online account so I couldn't do anything, and their customer service is so poor even after hours of holding, no one could help me, so I gave up and left it to that, but a year later they suddenly sent me a bill for £55!

I ignored their request for payment as I felt £55 for two weeks of energy supply is ridiculous, especially their customer service is so poor and it took them over a year to send me a bill!

After a few letters they now sent me a letter saying if I don't pay up they will take me to court with all these extra charges mounting to £300.

Part of me just want to ignore it because I don't think they would really do that over £55, but I do want some suggestion and advice on what options I have.

Thanks

Hi bubbles100,

If you were unhappy about the charges or the way you were treated then it might be a good idea to make a written complaint to the energy supplier and explain what’s happened and what you’d like them to do to sort things out.

If that doesn’t settle things then you can also get in touch with the Energy Ombudsman who deals with both sides of complaints to help resolve them.

I don’t think that ignoring a debt would be a good idea as often this can lead to further action. The debt could possibly get bigger, it could have a negative impact on your credit rating and it would probably be easier to resolve things through the official processes.

Good luck!

Rory

GOLFER

Hi

Looking for some advice, I am currently in a DAS in Scotland and have been for 2.5 years.

Before I entered it I had a car loan and this was excluded from the arrangement. The car is now needing too much done to it and I'm looking to change for something newer. I need it for work and family as I have 3 youngish kids who need dropped and picked up from schools.

If I were to apply for a new HP agreement and on the off chance I got it what would the implications be to the DAS I am currently in.

thanks

debsaway

Help,I have catalogue debts with 6 companies totalling 5k,my hours were cut in work and I can no longer manage the repayments im hitting a brick wall I contacted one of the companies asking to be able to pay reduced payments and they point blanket refused and sent me a reply asking for more than I was initially paying and struggling with in the first place,so I RE CONTACTED them and pointed out that I couldn't afford the amount and they refused a reduced payment,i managed to get a reduced payment off one of the companies and I have been paying it,so I decided to seek help from cab with a debt advisor,omg what an awful experience,the woman I saw was horrible rude I left in tears I went there for help and guidance and I was berated she wanted my partners details or she refused to write to my creditors as he was part of my household,my partner has no debts just a small loan which he pays regularly,I accrued my debts before I was with my partner,the cabdebt advisor told me I had to get a second job do bar work take in ironing and travel up an hour away to look for full time work,i currently work shift work in a part time job,but its permanent,i am looking for a second job but haven't found one able to fit in with my current job,I have sold items on ebay to pay a bit off my debts my partner does not want to give his info to cab as he is not in debt,this woman even asked why my other half had a bank loan and a car when im in debt but this happened before we got together so now im stuck I cant use cabs services,i feel very very depressed,,

Former_StepChange_Rory

debsaway wrote: »

Help,I have catalogue debts with 6 companies totalling 5k,my hours were cut in work and I can no longer manage the repayments im hitting a brick wall I contacted one of the companies asking to be able to pay reduced payments and they point blanket refused and sent me a reply asking for more than I was initially paying and struggling with in the first place,so I RE CONTACTED them and pointed out that I couldn't afford the amount and they refused a reduced payment,i managed to get a reduced payment off one of the companies and I have been paying it,so I decided to seek help from cab with a debt advisor,omg what an awful experience,the woman I saw was horrible rude I left in tears I went there for help and guidance and I was berated she wanted my partners details or she refused to write to my creditors as he was part of my household,my partner has no debts just a small loan which he pays regularly,I accrued my debts before I was with my partner,the cabdebt advisor told me I had to get a second job do bar work take in ironing and travel up an hour away to look for full time work,i currently work shift work in a part time job,but its permanent,i am looking for a second job but haven't found one able to fit in with my current job,I have sold items on ebay to pay a bit off my debts my partner does not want to give his info to cab as he is not in debt,this woman even asked why my other half had a bank loan and a car when im in debt but this happened before we got together so now im stuck I cant use cabs services,i feel very very depressed,,

Hi debsaway,

I’m sorry to hear that you’re struggling because of your reduced hours. Dealing with debts can be stressful at the best of times.

Please don’t feel completely put off by the bad experience you’ve had, we’d be happy to help you. At StepChange Debt Charity our advice is non-judgmental, free, and confidential so we can talk about the situation and then look at ways that we can help you deal with your debts.

If you’d like to get in touch with us then you can find our details at the StepChange Website.

Alternatively, if you’d like to use Debt Remedy, our free, anonymous online debt help tool.

Debt Remedy offers the same expert, tailored advice you’d get from talking to us and you can do this in your own time online. If you get stuck you can talk to one of our advisors.

Try not to let this get you down, I know it’s difficult and being in debt can often be a lonely experience but you’ll find lots of support in the MSE forums and there’s always help available no matter how bad the situation might feel.

We look forward to speaking to you soon.

Rory

triage999

Hi all,

Not used this site for some years as everything got sorted and I landed a very good job. Still have said job but one divorce later and I am in a helluva mess.

I own a property which I rented for a while and put on market back in April, the house is lovely and is where I lived up until divorce. The ex tenants trashed the place costing ££ to put right before selling and now we have had loads of viewings and one offer which fell through last week.
Still cannot understand why it isn't selling, new capets, neutral all through, new kitchen (nice one), garden and parking!

I live in another house now with my current partner and two children and pay half towards bills, mortgage etc but I am struggling every month to find my mortgage payment on the other property whilst it is selling.

I aim to walk away with £20k or there abouts after sellng leaving me with around 7K debt after paying everything off. Most of my loans are tied up with work who take before I get paid. At the moment I am robbing peter to pay paul and have nothing left every month, overdrafts etc and no money for Christmas which is coming quickly.

Can anyone suggest anything before I lose my house and my money? I have already missed two payments for the first time in 10 years of having the property and managed to scrape together last months to pay so only 2 payments behind.

I am now pretty desperate to say the least, thank you in advance.

incidentofficer

Afternoon All!

Just done the Stepchange online review and the recommendation came out at 25 years to be debt free! Feeling a bit downhearted now!

Not really sure what my next move is. I don't want to sell the house (not much equity anyway), can't cut back much more. Guess is go bang time.......:(

Any advice welcome.

Former_StepChange_Rachel

triage999 wrote: »

Hi all,

Not used this site for some years as everything got sorted and I landed a very good job. Still have said job but one divorce later and I am in a helluva mess.

I own a property which I rented for a while and put on market back in April, the house is lovely and is where I lived up until divorce. The ex tenants trashed the place costing ££ to put right before selling and now we have had loads of viewings and one offer which fell through last week.
Still cannot understand why it isn't selling, new capets, neutral all through, new kitchen (nice one), garden and parking!

I live in another house now with my current partner and two children and pay half towards bills, mortgage etc but I am struggling every month to find my mortgage payment on the other property whilst it is selling.

I aim to walk away with £20k or there abouts after sellng leaving me with around 7K debt after paying everything off. Most of my loans are tied up with work who take before I get paid. At the moment I am robbing peter to pay paul and have nothing left every month, overdrafts etc and no money for Christmas which is coming quickly.

Can anyone suggest anything before I lose my house and my money? I have already missed two payments for the first time in 10 years of having the property and managed to scrape together last months to pay so only 2 payments behind.

I am now pretty desperate to say the least, thank you in advance.

Hi there, thank you for posting

From everything you've told us, it certainly sounds like you would benefit from some free and confidential debt advice. We can certainly look into your situation for you and provide solutions for you moving forward. In order to do this however, we would need to take a look at your budget. There's two way we can do this:

You can use our online advice tool Debt Remedy and put together a personal action plan in around 20 minutes

Alternatively, you can call our Helpline on 0800 138 1111. We're open Mon - Fri 8am to 8pm and Sat 8am - 4pm.

You've taken the first step towards getting the help you need. Please know that we'll do all we can to support you.

Best regards

Rachel

Former_StepChange_Rachel

incidentofficer wrote: »

Afternoon All!

Just done the Stepchange online review and the recommendation came out at 25 years to be debt free! Feeling a bit downhearted now!

Not really sure what my next move is. I don't want to sell the house (not much equity anyway), can't cut back much more. Guess is go bang time.......:(

Any advice welcome.

Hi there,

Could you please give us a call and we'll look into this for you? The number to call us should be in your DMP welcome pack or in your online DMP login area.

Best regards

Rachel

Former_StepChange_Rachel

GOLFER wrote: »

Hi

Looking for some advice, I am currently in a DAS in Scotland and have been for 2.5 years.

Before I entered it I had a car loan and this was excluded from the arrangement. The car is now needing too much done to it and I'm looking to change for something newer. I need it for work and family as I have 3 youngish kids who need dropped and picked up from schools.

If I were to apply for a new HP agreement and on the off chance I got it what would the implications be to the DAS I am currently in.

thanks

Hi there, thank you for posting.

If you're considering applying for a new HP agreement, you would need to talk this over with the money advisor who set up your DAS. Any changes to your budget & therefore overall surplus need to be discussed before you can enter into any new finance agreement.

You might also be asked to undergo what’s known as a ‘fair & reasonable’ test by the AiB (Accountant in Bankruptcy), and any change to your budget has to be approved by them.

Hope this helps

Best regards

Rachel