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Catalogue payment protection?
Lizzigizabit
Posts: 1 Newbie
Hello, I've been reading up on here a few years and finally signed up in the hope someone might be in a position to give me some non judgemental advice after reading a few posts similar to my query.
Some years ago I got into a hole and struggled to get out. My debt was passed (or sold I'm not sure) to Moorcroft back in December 2008 and the last I heard from them was in Feb 2009. I received letters from Fredrickson & Co (if my memory serves me correctly) and from Bryan Carter (same again from memory) then Lowell and the last I heard was a 50% reduction offer.
At the time I had lots of debtors and simply couldn't keep up with what was going on and stuck my head in the sand and stopped opening the letters, I just kept putting them in a carrier bag meaning to shred them (at some point) I wasn't working at the time and suffering from depression and anxiety.
Fast forward to 2014 I decided I was going to try and pull myself together, get a job and get on with my life. I got a full time job, started making new friends and slowly but surely piecing my life back together but there had always been a gnawing panic still in the pit of my stomach I couldn't bring myself to face. October last year I had to quit my job due to family and relationship problems and so the old grey mist and fog descended clouding my mind. I eventually went to the doctors in January and started anti-depressants again and I'm glad to say they're working a treat. I'm determined not to get as low as I was last time and decided to do something to make me feel better.
I opened all my post from the carrier bags that I'd been hoarding in the top of my wardrobe (all 11 of them)
I felt sick, shaky and full of panic and it took almost 2 weeks to organise - but I did it.
I have had no correspondence regarding any of my debts at all since 2015. I have since checked my credit file and there is nothing on there at all.
Going through old Littlewoods statements I found I was paying for Extra Care Advantage, I do not recall ever being "sold" the cover and have worked out I had been charged and paid £3817 over the years for it. My outstanding balance was £3265 with them. What do I do now?
I understand it might "wake" the debt but the refund of premiums would still wipe the debt and leave a little something left over. Is it worth the hassle of making a complaint to them?
Thanks for listening
Some years ago I got into a hole and struggled to get out. My debt was passed (or sold I'm not sure) to Moorcroft back in December 2008 and the last I heard from them was in Feb 2009. I received letters from Fredrickson & Co (if my memory serves me correctly) and from Bryan Carter (same again from memory) then Lowell and the last I heard was a 50% reduction offer.
At the time I had lots of debtors and simply couldn't keep up with what was going on and stuck my head in the sand and stopped opening the letters, I just kept putting them in a carrier bag meaning to shred them (at some point) I wasn't working at the time and suffering from depression and anxiety.
Fast forward to 2014 I decided I was going to try and pull myself together, get a job and get on with my life. I got a full time job, started making new friends and slowly but surely piecing my life back together but there had always been a gnawing panic still in the pit of my stomach I couldn't bring myself to face. October last year I had to quit my job due to family and relationship problems and so the old grey mist and fog descended clouding my mind. I eventually went to the doctors in January and started anti-depressants again and I'm glad to say they're working a treat. I'm determined not to get as low as I was last time and decided to do something to make me feel better.
I opened all my post from the carrier bags that I'd been hoarding in the top of my wardrobe (all 11 of them)
I felt sick, shaky and full of panic and it took almost 2 weeks to organise - but I did it.
I have had no correspondence regarding any of my debts at all since 2015. I have since checked my credit file and there is nothing on there at all.
Going through old Littlewoods statements I found I was paying for Extra Care Advantage, I do not recall ever being "sold" the cover and have worked out I had been charged and paid £3817 over the years for it. My outstanding balance was £3265 with them. What do I do now?
I understand it might "wake" the debt but the refund of premiums would still wipe the debt and leave a little something left over. Is it worth the hassle of making a complaint to them?
Thanks for listening
0
Comments
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Any successful complaint about mis-sold PPI would simply be offset against the unpaid debt.
The debt would not be "reactivated", however..
I'd just shred the old letters and move on with your life..
0
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