Debts written off?

Cheesephetamine

Hi. Thanks for reaching out. First of all, have a deep breath and calm down. Debts can be solved.

I got 99% of my debt written off by requesting due to my mental health.

look at my threads, I explained how I did it. Good luck

Terrifiedindebt03

Cheesephetamine said:

Hi. Thanks for reaching out. First of all, have a deep breath and calm down. Debts can be solved.

I got 99% of my debt written off by requesting due to my mental health.

look at my threads, I explained how I did it. Good luck

Òh did you, from things I've read it doesn't happen often, I've been so ill with crisis teams because of this, I genuinely thought noone would care 

Cheesephetamine

I did yes. Have a read

https://forums.moneysavingexpert.com/discussion/6354189/this-time-i-will-do-well#latest

in your situation I would recommend to contact citizens advise who can help you with this. You don’t have to do it alone

Terrifiedindebt03

I have just read your thread it was fantastic I hope my creditors are as forgiving, my problem is when my ptsd is bad and I'm scared to sleep I shop to stop my mind playing like a film, I know when my MH is bad bad as parcels arrive theat I don't open.
Ìhave contacted Advice Ni who are Citizens Advice here and they have taken over contact of my creditors but letters and phone all affect me badly.
I hadn't even thought of write off I just wanted a payment plan to take pressure off but my psychiatrists letters with diagnosis medication and trauma the debt is causing have been sent today so now my anxiety is horrendous waiting for replies.

Cheesephetamine

Replies are going to take a while! So try to relax. The ball is in motion now and you have made the effort to find help. Creditors understand that and they take it into account. The worst that a person with debts can do is not do anything. Now that the advisors are talking to them and you have help you need to be aware that this is a long process. I also shop when I am stressed. Try to find an alternative. Good luck and have patience now!

Terrifiedindebt03

Cheesephetamine said:

Replies are going to take a while! So try to relax. The ball is in motion now and you have made the effort to find help. Creditors understand that and they take it into account. The worst that a person with debts can do is not do anything. Now that the advisors are talking to them and you have help you need to be aware that this is a long process. I also shop when I am stressed. Try to find an alternative. Good luck and have patience now!

Thank you so much fir the reassurance x 

Cheesephetamine

You will be ok. I know that debt and money problems can feel like the end of the world but trust me they are not. No one goes to jail in the U.K. for consumer debt. It’s how they have raised us to make us feel horrible when we have debts. Things happen people get ill, money should not be your priority now. You are taking care of it, now relax until you get the answers, listen to your advisors and come back to  this forum anytime you need help or company. This is an amazing resource filled with people who understand and don’t judge. At the end of the day we only have one life. Concentrate on getting better with your health. Creditors won’t become poor cos you can’t pay. You are a number in their system. I assure you they don’t wake up thinking “this person hasn’t paid me yet”. Do not loose sleep over this and update us when you start getting answers. We can help with the follow ups etc 

Terrifiedindebt03

Cheesephetamine said:

You will be ok. I know that debt and money problems can feel like the end of the world but trust me they are not. No one goes to jail in the U.K. for consumer debt. It’s how they have raised us to make us feel horrible when we have debts. Things happen people get ill, money should not be your priority now. You are taking care of it, now relax until you get the answers, listen to your advisors and come back to  this forum anytime you need help or company. This is an amazing resource filled with people who understand and don’t judge. At the end of the day we only have one life. Concentrate on getting better with your health. Creditors won’t become poor cos you can’t pay. You are a number in their system. I assure you they don’t wake up thinking “this person hasn’t paid me yet”. Do not loose sleep over this and update us when you start getting answers. We can help with the follow ups etc 

 Thank you, I will let you know if I hear anything 

sourcrates

Terrifiedindebt03 said:

I have just read your thread it was fantastic I hope my creditors are as forgiving, my problem is when my ptsd is bad and I'm scared to sleep I shop to stop my mind playing like a film, I know when my MH is bad bad as parcels arrive theat I don't open.
Ìhave contacted Advice Ni who are Citizens Advice here and they have taken over contact of my creditors but letters and phone all affect me badly.
I hadn't even thought of write off I just wanted a payment plan to take pressure off but my psychiatrists letters with diagnosis medication and trauma the debt is causing have been sent today so now my anxiety is horrendous waiting for replies.

Creditors are commercial businesses, they make business decisions based on what they know, and what they are told.

You say you don`t work, I`m assuming you don`t have much in the way of assets such as a house, or a dozen old masters paintings hanging on your wall either ?

So although non payment may induce all kinds of letters threatening this, that and the other, in reality, there is very little a creditor can do to force you to pay, if you simply don`t have the money.

Hopefully, based on your medical evidence, they will all be sympathetic towards you, but just to try and ease your mind somewhat, if that were not to be the case, they can`t take what you don`t have, so you can dismiss each and every level of enforcement action as it would be futile, non of that will happen, so if its that that is bothering you, please stop thinking about it, as it just won`t happen.

Terrifiedindebt03

sourcrates said:

Terrifiedindebt03 said:

I have just read your thread it was fantastic I hope my creditors are as forgiving, my problem is when my ptsd is bad and I'm scared to sleep I shop to stop my mind playing like a film, I know when my MH is bad bad as parcels arrive theat I don't open.
Ìhave contacted Advice Ni who are Citizens Advice here and they have taken over contact of my creditors but letters and phone all affect me badly.
I hadn't even thought of write off I just wanted a payment plan to take pressure off but my psychiatrists letters with diagnosis medication and trauma the debt is causing have been sent today so now my anxiety is horrendous waiting for replies.

Creditors are commercial businesses, they make business decisions based on what they know, and what they are told.

You say you don`t work, I`m assuming you don`t have much in the way of assets such as a house, or a dozen old masters paintings hanging on your wall either ?

So although non payment may induce all kinds of letters threatening this, that and the other, in reality, there is very little a creditor can do to force you to pay, if you simply don`t have the money.

Hopefully, based on your medical evidence, they will all be sympathetic towards you, but just to try and ease your mind somewhat, if that were not to be the case, they can`t take what you don`t have, so you can dismiss each and every level of enforcement action as it would be futile, non of that will happen, so if its that that is bothering you, please stop thinking about it, as it just won`t happen.

Thank you, its overwhelming again today .