Debt Help Advice

DavieScott_2

Can any one give me some advice.
I ran up debts on my credit card in 2005 when I moved to a new house. I also took out a loan. I moved jobs then I lost my new job and had to fight for a few months to my wages. I had no money to live off of never mind pay my debts and I knew I would be losing my house soon (It was a private let) Also at the same time my partner fell prgnant. My G/F was on the sick at the time and we claimed on the insurance for our loan with citifinance. It took ages to claim as there insurer lost our fourms a few times. We then got a letter telling us the claim was successful and never again heard from citifinance. A month ago we got a letter from Hillesden Securities wanting the full amount paid. I called them and told them about the insurance claim and that I had worked out that I only owed two months the advised me to contact Citifinance. So I called them and they told me because of how long it took for there insurer to proccess my cliam they cancelld it so I now owe them the full amount. I called Hillesden Securities and told them I would be contesting this. The girl on the phone told me that it was ok as I would of been given a refund for the money I paid for the insurance. I told her so many times that money refunded was £20 but the insurance was ment to pay five months of money around £600. Finaly she got the messege and told me " Were just going to take you to court then as you dont have a leg to stand on"
I have been seriously ill for the last year and due to mistakes with benifits we recive a reduced rate to live off of each wek for two adults and a baby. I cant afford to live from one day to another never mind make any payments. I also have three credit card debts with Capitol 1, MBNA, and Halifax. I was getting letters and phone calls from Thames credit on behalf of MBNA for a while asking for the debt to be payed, each time I would tell them of my predicument then all of a sudden they stopped contacting me. I was getting letters from a company that I cant remember the name of on behalf of Halifax telling me it was my last chance of paying the debt in full (I got about six of these all saying the same thing for a few months) Then I got a letter from a lawyer telling me I had one more chance and the debt had been passed to him. A few weeks later I got a letter from the previous company giving me one more chance. A week or so later I got a letter from halifax offering to reduce my debt if I started paying them. Capitol one have never contact me and my credit report they have my old address even although all the other companys have the right one.
Can anyone tell me what is going on and what could happen to me. I have tryed debt managment companys but the want more than I can afford so they wont take me on. Any help is appreciated

bedhair

Hve you tried contacting CCCS. This is a debt management company but is run as a charity and doesn't cost a penny.
People from CCCS visit the site so you may get a reply from them. I think one of the "stickies" at the top of the post lists has a link.
Well done for posting by the way.
Bedhair

angelavdavis

I agree with previous poster - contact CCCS or CAB to see if they can assist.

Do you have proof of the insurance claim being granted? If so, you may be able to report them to the Financial Ombudsman for withdrawing the claim at their discretion without notifying you first.