Issues with Equita

Clouds88

Hello, 

My husband has a debt for roughly £2000 originally for a university module he never attended but had to pay for still. 

Anyway, didn’t pay as tried to fight it, ended up with CCJ and sided with Uni and the debt has been with Equita ever since.

started off £25 per month and then dropped down to £10 due to financial situation. One payment was 4 days late and unbeknown to my husband/myself ballifs were instructed as ‘broken arrangement plan’ but they turned up to our old address.

My husband is vulnerable, classed as disabled (mentally) and currently not living in the family home full time he goes between mine, his dads and his good friend due to some personal issues of his I find difficult to live with. He hasn’t yet saved up enough to get himself a bed share so doing that. Equita asked for address and have him listed as homeless, they’ve asked for an annual review and he put outgoings down and stated £10 repayment again and they have said they need bank statements now to verify this or they will start bailiff action again. 

I have found them very difficult to work with and I have debt myself where the creditors accept smaller payments than £10 with no bother. Why are they so nasty? 

I help my husband with this as he’s not good with it all and I feel like well he’s giving you £10 a month what are you going to do if you want more? Send ballifs where? Take what? He’s got no assets no money no car ect

so I’m just wondering what exactly he needs to say back and if he can just continue with the £10 monthly payments. 

fatbelly

If his name is not on any tenancy agreement and he does not own property then he is homeless, having no secure accommodation.

You say he has no assets so bailiffs are an inappropriate way to enforce the debt.

Does he work? What is his source on income?

Clouds88

Yeah that’s right. He’s on PIP and ESA only. Thanks 

fatbelly

The 'broken arrangement' thing was so they could make a visit and claim £235 fee.

I think  i'd now try to get Equita out of the equation. Tell them he is homeless with no assets and only benefit income. Ask them to return the debt to the University. Stop paying.

Ask the University to write it off