advice please

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

dan405 wrote: »

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.

As you have said, there is nothing they can do. You don't have the money to pay them. And there is nothing that they can take. (And that would require a whole lengthy due process to take place first anyhow).

When you contact the Debt Collection Agencies (DCAs), it is best to do that in writing. An email will do. Advise them that you have withdrawn consent for them to write to your old 'care of' address. Maybe explain the reason why, although you don't need to give them a reason. Let StepChange do all the communicating in the future with your DCAs, if you are working with them.

And best of luck

DCFC79

Look at getting a bed somewhere, sleeping in your car cant be any good for you.

dan405

I'm currently sorting somewhere to go that is all in hand thanks

sourcrates

dan405 wrote: »

I'm currently sorting somewhere to go that is all in hand thanks

Hi Dan,


No money, no assets, no fixed abode, theirs not a lot creditors can do to you to be honest.


You could write, or email, letting them know your circumstances, they may just write off the money owed, as there is no realistic chance of recovering any of it.


With a disposable income of £11 they will not waste much time or effort in chasing you.


Send this letter to them :


https://www.nationaldebtline.org/EW/sampleletters/Pages/Write-off-the-debt-%28sole-name%29.aspx

fatbelly

A Debt Relief Order would work well for you, but you are currently 2k over the limit.

You should know that if any creditor confirms the debt is written off (they probably won't but no harm in trying) then it does not need to be included.

The same applies if the debt becomes unenforceable by being statute barred. (When did you last make a payment to them? If anywhere near 6 years I'd leave everything alone for now.)

The same applies if the debt becomes unenforceable under the consumer credit act. Ever done CCA requests?

dan405

The debts are only a year old last payment.

I am going to give them a phone call and explain the situation and head down to the library tomorrow to print off my step change statement off afairs I will also write out a letter explining the situition.

I have nothing so they can't really take anything

dan405

I've never done a cca request but I should think they would have it.