Debt or push me over EDGE?

oxfordlad

Hi it's been long time since I have been on here,
Thought i would up date things little bit. Am seeing citizens advice bureau, for help with my problems, they have written to my creditors, asking gor updated ammounts that I owe. We just completing income and expenditure statement.
What still Worrys me is that Creditors still keep calling, sending the nastey letter's, some even making out that they not had anyletters from the C.A.B!!
Barclay card have said the C.A.B have 35 day's to respond or they will hand it over to collection agency, which they have now handed over to RMA, and i To day, i just had the most unplesent phone call from them, left me feeling so low and depressed,asked them stop calling me, and to respond via letters, but the guy said they have the right to contact me at least twice aday every day!!

B.T are saying they going to disconnect my phone line because i owe money to, them for my broad- band?But I am out of contract with them for Broadband?, but can they do this if my phone provider is Car Phone warehouse?
what they dont understand is landline is important for me to, keep in touch with my family, making appointments, and talking to health profesionals with regards to my Mental health. etc so if they do disscinect my line I will be so isolated!.
just want all this to stop, seems companys just dont want to listen to either C.A.B or even me.

twirlypinky

Hi oxfordlad,

I'm in oxford too and thought I'd say hello.

I don't suppose you work for the NHS in oxford do you?

twirly x:D

moanymoany

When you post your letters take them to the Post Office and get 'proof of postage'. It is free, it is important to have it as proof that you did write to them.

Go to your doctor and tell them what is going on and how it is affecting you. This will give you the possibility of medical evidence if you should need it.

Good luck, great advice on here, take it.

oxfordlad

Hi twirlypinky.

No sorry don't work for NHS... Think they keep me locked up if I did lol.

Thanks for your reply.

oxfordlad

Thanks moanymoany,

It was the C.A.B that had posted the letters.
All letters I have to send, I send recoreded.

My Psychiatrist, Dose know about what is going on, and how it is effecting me,as it was Her idea, to go to the C.A.B again to get them to help me with my money. it just seems to take long time, and the creditors just will not listen.
Thanks again.

twirlypinky

I'm only asking because you can get cheap accommodation with them if you do.

There are loads and loads of flat/house shares in oxford at the moment, i know because I was looking. You can reduce your rent (INCLUDING water, gas and leccy) to about £400 if you move into one of those.

Do you want a link to the website?