Emergency Help needed asap Please

lillypoo

How's things stu?

mr_stripey

hope you're doing ok pal

Sidney_31

I'm sorry Stu, reading your post. That's a lot of stress to be going through at any time but as someone who recently had to put their lovely cat to sleep, that alone totally broke me emotionally.

Sorry I don't have any practical advice but just wanted you to know you're not alone, sending you a virtual hug. 

stu12345_2

quick update, getting on ok with wife, she is no longer on any social media at all.
cat is in a little wooden casket by the fireplace. we miss her lots.
wife is doing well in her two part time jobs, she not had full months wages yet, she expects  full tax on second job which she will have to sort out
my new job went into a disaster, I got severe sciatica within the first few days , I could barely stand or walk ,it's 12 hours on a production line, even though I told them I have sciatica but it's been under control for 6 years with painkillers, I still got the job !!

I guess I can never do jobs that involve standing or twisting for multiple hours a day for the rest of my life.
...
so I applied for 14 jobs  instantly.

I got a better one, less hours, company van, less standing in one place, better pay, I start on Thursday, last day in bad job is wednesday.

moorcroft have been writing, emailing and phoning constantly cos we only gave them £1 last month.

normal debt repayment with them will start again on the 28th, but not paying this arrears for the missed month though.

wife got another letter from PRA still stating her Barclaycard credit card account is still unenforceable, they sent every transaction history she has ever done, no idea why they posted these transactions.

she also got reminder letters from simply be £45 debt and RBS credit card debt,£1400 ,both never defaulted, and she NEVER got an acknowledgement from the cca letters she wrote recorded delivery to them in October, the time all payments stopped when we started our on self managed dmps.

she will not contact them to ask why no acknowledgement.she has a fear it may trigger them into looking for the agreements.

her only proof of postage  and receiving and them signed for is the post office reference numbers, she never took a copy of the cca letters, but I guess she could write it out again roughly and keep it at home 
but the royal mail recorded delivery signed for should be enough???

thanks for all your help.

Rob5342

stu12345_2 said:

wife got another letter from PRA still stating her Barclaycard credit card account is still unenforceable, they sent every transaction history she has ever done, no idea why they posted these transactions.

It's probably to show they have got hold of some information to put the possibility of them being able to obtain more In your mind, in the hope that it might make you decide to pay. I've dealt with a few of these companies and their tactics are all about implying things and pushing things within a hairs width of lying.

stu12345_2

thanks rob, it was like a dotmatrix printout. everything  she bought, dates, and all the interest over a period of 9 years.
not like a neatly arranged Barclaycard monthly statement.

the unusual thing is we both have Barclaycard credit card debts approx same amount, almost same length of time, they provided the agreement for mines but no statements hence they said mines is unenforceable.
 but wife never has got any agreement back , just these history of transactions and a reminder to state it's still unenforceable 

 any comments on the reminders she has got from RBS and simply be debts, the only ones that never replied to her cca requests 5 months ago. she never took a copy of the actual handwritten cca letters, she just has royal mail proof of recorded delivery to them that they opened mail she sent to them.

if push came to shove she could write almost an exact replica of the letters again with October's dates on them to show roughly what she actually posted to them. if they deny receiving them.

but she doesn't want to encourage them to actually look for the debts by reminding them of the cca letters she wrote to them

mr_stripey

good to hear from you mate. Glad that you're ok