Worried sick now.

Former_StepChange_Rachel

PureSept wrote: »

Thank you for all the links and advice, I dont know why yesterday but I had a really weak day and tried to sort problems out that I couldnt deal with myself but today is another day and Ive decided I'm not letting anyone get in my way.

I've got with stepchange because I have debt problems, yes its down to being greedy and spending money I didnt have and it got out of control, I know that but its a problem I'm dealing with and something I will be dealing with for a few years to come, I cant change the past but I'm working towards making it better and I'm paying what I can to these companies and if they dont like it, then tough luck. I'm not making myself ill over some man with an attitude problem, I swear if it was a day I wasnt feeling so down I would of given him a mouthful back and told him where to go, I know I've made a big mistake paying him yesterday but I'm going to take it further, I felt like he was threatening me yesterday and that isn't on, he outrightly told me that he wasnt going to be dealing with stepchange anymore which I also think he isn't allowed to do.

I'm going to see what stepchange say when they get back to me and take things from there.

If I want to stop any doorstep visits I can request they dont call at my front door cant i? I'm sure theres a letter template but I cant seem to fish them out, I also want to put in writing that any further arrangements of this company go by stepchange and stepchange only as they are taking hold of my financial situation, I am allowed to do this arent I?

Hi there

I just want to reassure you that despite anything they’re telling you, you’re doing the right thing by making affordable payments via your DMP. These debts are non-priorities, they are only entitled to your disposable income. Your DMP with us was put together based on this principle, and your creditors know this. They can ask for more money but they’re not entitled to it if you’re making payments based on what you can afford right now.

If you do feel that you need to complain about the person you dealt with, I advise you put it in writing saying that you feel you were put under pressure to pay more than you can afford. If you don’t get an adequate response to your complaint from the company after 6 weeks, you can then escalate to the Financial Ombudsman. Also keep in mind that if a company returns a payment you made, you can complain about this company as they are literally making it impossible for you to pay the debt off.

Knowing what your creditors actually can and can’t do is the first step to feeling in control of your situation. I recommend you give this article on our website a read: http://moneyaware.co.uk/2011/08/you’re-in-debt-but-what-can-your-creditors-actually-do/

We also have a handy guide on how to deal with debt collector: http://moneyaware.co.uk/2011/06/what-to-do-when-creditors-keep-phoning-you-2/

I hope this helps

Best regards

Rachel

maz1964

hiya puresept

wow you have had lots of help since I last posted and I hope you are feeling so much better reading some of the posts I shiver at the thought I was exactly where you are now some years ago

I maybe may not be the best person to take advice from as im dealing with my creditors in my own way and im taking pot luck at some of my ways but so far its worked for me but hey you are getting fab info and to which I too have learnt from to do my next steps so everyone has helped and learned so not a bad thing

will check in later in the week and see how things have progressed for you

keep positive and take care yes your own health is very important pls at least take my advise on this as im slowly getting off the antidepressants due to the huge chaose of debt

don't want anyone to go down that path pls look after your health:cool:

ciao for now maz x