dealing with debt collectors advice needed

dan405

Hello. As per my other posts I am looking for advice.

To cut a long story short I owe 22k in unsecured debt.

I'm homeless I have two kids who live with there Mother but I have 3 nights a week where I stay at a family members the other 4 nights I sleep in my car.

I have a partime job which is earn 800 per month I have done a SOA with step change and I have - £11 per month after all my own expensise

Debt 1 defaulted sold to lowells
Debt 2 defaulted past due credit acting on behalf.
Debt 3 defaulted I've not heard nothing in over 8 months

Debt 1 and 2 have been past around a few times but they have been sending letters to an address where I had to link my bank card too for work. It's a care off address. But from now I've been told it can no longer be a care off address fair enough.

I don't dispute the debts are mine I would like to pay them back if I could but I can't im homeless with no assets.

So what can they really do i have no assets or any money after my own living expenses. As they say you can have somthing I haven't got.

I am going to be ringing both debt collectors tomorrow to try and remove care off address because it's not allowed there any more and to tell them my situition. The only option they have is to take me to court to which is will reply with my SOA and let what ever happens happen.

I'm not worried about my credit file because it's !!!!ed anyway I'm not worried about threats courts or bailIffs because I have nothing to take bar a old car.

So what can they really do and what should I say

I DON'T DISPUTE THE DEBTS THEY ARE MINE

THANKS

Daniel

Willing2Learn

Hi Daniel,

I think I may have posted this on one of your other threads, but it may have been someone else's thread... So just in case you don't know:

Rent deposit, bond and guarantee schemes exist in most Local Authorities. If you don't have money for a tenancy deposit, check if there's a rent deposit, rent guarantee or bond scheme that can help.

https://england.shelter.org.uk/housing_advice/private_renting/rent_deposit,_bond_and_guarantee_schemes

All you need is a local connection to a local authority. A local connection is defined as an area your children or close family live, your place of work or somewhere where you have lived at during the past 5 years.

dan405

Thank you for the advice I'm currently looking in to this and will be sorted very soon!

But I need some advice on the dealing with debt collectors when I have nothing ☺

Craig1981

once in rented accommodation of your own, i would suggest contacting Stepchange, National Debtline CAB or payplan to assist with the unsecured debt.

Bankruptcy will be your best option, IMHO.

for now, contact all creditors and tell them your situation like you have planned to do

sourcrates

Dan


Best to keep to one thread so as not to confuse the issue.

tetley

Just a thought as to where your letters will go. Where is your car insurance registered to?