Debt making me very very depressed

snookey

Hi change your phone number. The company that your with may do it for free if you tell them your getting Nuisance calls.

AlexLK

I've had them calling me before when I was ignoring my debt situation; the conversation goes something like:
"Hello is Mr. K. there?" (there is a lot of background noise)
"Who's speaking?"
"*banks name* / It is a private matter, is Mr. K. there?"
"No thank you, goodbye." *hang up*.

I understand it isn't nice to have to answer these phonecalls. However, you do not HAVE to speak to them if you don't want to. An alternative could be for you to tell them you are only corresponding by letter or through Step Change, say good bye and hang up.

Ilona

Reported as Spam. On no account contact a fee charging debt management company when you can get the same service free from a charity. Do not pay these sharks.
Ilona

debtfree12000

Its crazy to think you can always pay before but as soon as something happens they dont want to help you. Eventhough their website states that if you experience problems to let them know????

I have!!! Its sad, I understand its my debt and it needs to be paid back, but its not like I am ignoring it ....

Anyways I shall keep ye all posted on what happens.

It is lovely to have a forum like this, it really helps.

Cheers :beer:

XX

Monkeyballs

Hi DB12000,

I entered into a DMP with SC a few months back and it's the best thing that I ever did, if at any time you start to worry then give them a call as they were very good at reassuring me that I was doing the right thing and that my creditors would eventually play ball (although to be honest, all mine were A OK straight away).

I don't have any experience with HBOS but just stick with it and things will I'm sure work out :-)

I can't offer more advice than what others have already said on here so GOOD LUCK!

MB

debtfree12000

Cheers for all the responses first sc payment gone out. Hbos called again and again answered the phone and they just demanded money i simply do not have ended the call by giving them my sc ref number they didnt sound impressed

fatbelly

debtfree12000 wrote: »

Cheers for all the responses first sc payment gone out. Hbos called again and again answered the phone and they just demanded money i simply do not have ended the call by giving them my sc ref number they didnt sound impressed

They are in breach of OFT debt collection guidance. This is harassment. There is guidance here

Factsheet | Harassment

HOK3Y

debtfree12000 wrote: »

Cheers for all the responses first sc payment gone out. Hbos called again and again answered the phone and they just demanded money i simply do not have ended the call by giving them my sc ref number they didnt sound impressed

Oh dear, how sad. They will get over it. You need to do what is right for you now. Don't even think about pleasing them - it is not what matters. You need to be your number one advocate. Well done!!!

debtfree12000

Im going to be strong. Im just worried i will end up in court, guess it could be worse and i had buried my head in the sand for longer. Ive learned from this experience :-) xxxxx

Mara_uk7

You will be fine, even if you do end up in court, whats the worst that will happen ? They cant take what you havent got. Stepchange will be there to back you all the way. I think theres very little chance hbos will take it further, they will accept what youre offering or get nothing ...

Keep cheery, youre doing all the right things.