Quit everything , and start again over 50?

lessonlearned

another_casualty wrote: »

Thanks LL
Just received email. Payplan require last 2 months payslips/ bank statements and most recent mortgage statement .
Plus my budget for the year. Looks like I'll have to,pay full amount now.
How to explain my lie is another thing

Well.....I just pointed out the folly of what you had tried to do in my last post.

Looks like you blew it.

another_casualty

Thanks Anna
I'm paying up front , so hopefully that will not be an issue .
I'm wondering now,if I should just pay Payplan what I owe and get on with it. There is a facility to pay any amount .
I am half tempted to give them a call to rearrange the appt, or even cancel.
Or, just pay about £15,000'and tell them everything .
I owe£23,566

another_casualty

lessonlearned wrote: »

Well.....I just pointed out the folly of what you had tried to do in my last post.

Looks like you blew it.

Yes it does.
I think I'm better off just paying it all off, within the next couple of days . I'm no good at lying .
Still , I'm debt free

lessonlearned

You owe £23k and you expected them to go for £9K when you have over a quarter of a million in the bank. :rotfl:

Maybe others can help but TBH I can't see a way out of this one....not after the lies you've told them.

I don't know what powers these people have. Can they prosecute for attempted fraud or misrepresentation. I have no idea.

I know someone who tried something similar with HMRC - they imposed a hefty fine.

I would be inclined to just pay up and have done. Play it safe.

Chalk this one up to experience and learn from it.

another_casualty

You're right again LL
Looking at so many threads about offering a reduced amount, it seems silly to do what I was attempting to .
Thanks for giving me the kick .
I'd better make that payment .

lessonlearned

Just caught your other thread.

I notice that National Dentline advise not to try and negotiate through an intermediary but to make direct contact. Several people told you to do exactly that but you ignored them. Harz even suggested you write yourself a script. I thought that was a great idea.

AC. A word of advice. Don't be so impulsive. Your rashness may have just cost you thousands......I do hope not. I hope you can rescue something from the wreckage.

I am not going to post any more advice. You are just too wilful and headstrong. Honestly it's like watching car crash TV. You charge through life like a bull at a gate.

Please try and take one thing away from all this.....

In future, sLow down, think first, act second.

Smodlet

Whoa. As usual, AC, it's all been said. If there is anything to be salvaged from this, it would be to go to your creditors directly and try to negotiate, honestly and truthfully. Tell them you have friends in Poole and cannot envisage living anywhere else, London obviously being far too expensive. Tell them you cannot work due to health problems and that you need as much capital as possible to put a roof over your head (preferably a freehold one, for the last time)

Do as harz suggested and write yourself a script. Leave Payplan out of it. Once you have contacted your creditors, cancel the appointment with Payplan and tell them thank you very much for all their advice and assistance but you felt you might be better going directly to Barclay's/whoever else. Don't even say you would get a better deal that way, it could come across as ungracious. Just that you felt you should deal yourself... And no more lies!

"Oh, what a tangled web we weave, when first we practice to deceive."

LL, sorry about your father.

Smodlet

"National Dentline" :rotfl: Short for National Put-a-dent-in-your-debt-line.

Sorry, LL, I know you must be distracted with your dad. I hope that amused, as was the intention, rather than offended.

lessonlearned

Smodlet...thanks for correcting my quote. I knew I had got it slightly wrong - it didn't scan right. I should have looked it up.

As for the dent line...well spotted. :rotfl:

Of course I'm not offended.

Yes I'm a bit distracted about dad but TBH the news is better than I had hoped for. I know the prognosis is not good but he's got a bit of a reprieve, wether it's just months or a bit longer no one knows.

Each day is a gift and all that......;)

Smodlet

You are a scholar and a lady, as always, LL and I was just trying to raise a smile. I meant it when I said I hope it did not offend; my timing ain't always the best.

My thoughts are with you and your dad. Not too many people manage to make it to 90 and he has had a pretty good life, I think, which is not over yet.

S xxx