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  • FIRST POST
    • Iwanttobefree
    • By Iwanttobefree 10th Feb 18, 4:26 PM
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    Iwanttobefree
    What happens when I cant pay?
    • #1
    • 10th Feb 18, 4:26 PM
    What happens when I cant pay? 10th Feb 18 at 4:26 PM
    Hi am on a DMP and owe about 22K to 10 different creditors (unsecured debts) and have been on it for a few years.

    I used to have £186 a month to share between them, but I have failed my medical to get ESA support and have just also failed my tribunal appeal.

    However both my physio and my GP say I must not work and my GP is signing me off indefinitely.

    The outcome of this means that as my wife works more than about 25 hours at minimum wage, I will get zero benefits, meaning we are £109 a week worse off.

    Until our mortgage finishes in about 7 years, we simply can no longer afford to pay them any more than £1.

    In 7 years they can have £300 between them.

    So what happens now?

    Sorry if I sound a bit blunt, am on the verge of simply giving up, I cant take much more of this stress.
    The way things are going, soon we are all going to be victims of something or other.

    Who will we blame then?
Page 4
    • Iwanttobefree
    • By Iwanttobefree 4th Jul 18, 10:18 PM
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    Iwanttobefree
    Reading one of sourcrates other posts today, I see that Moorcroft no longer buy debts, hence Vanquis always owns it.

    That's interesting to know.
    The way things are going, soon we are all going to be victims of something or other.

    Who will we blame then?
    • Iwanttobefree
    • By Iwanttobefree 5th Jul 18, 10:24 PM
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    Iwanttobefree
    And so it continues.

    Sorry for the ranting, but I'm not well, and this crap every other day at the moment simply ins't helping me at all.

    Recap, Been talking via email to a pleasant sympathetic person (never gave their name mind you) at Vanquis.

    They wrote my debt off and said we needed to phone about my wife's account.

    I asked if it was just to get her authorisation, as I'm no good on the phone.

    He/she responded

    we could look to send out an authorised user form which enables us to speak with you regarding your wife’s finances if this should help?
    So as it was just to confirm her permission, she phoned, and what I wrote in post 60 took place,

    That was on Tuesday.

    A couple of hours later on Tuesday, I emailed a polite version of what I said in post 60 as a reply to the polite person I've been talking to, saying how stressed it was making me feel etc.

    Wednesday she received the following email from Moorcroft

    Dear MRS xxxxx

    You have been sent this communication by the Moorcroft Group as confirmation that we’ve been given permission to contact you using this email address.

    Should you wish us to contact you by another method, don’t hesitate to contact us on 0161 475 2971, or via our website www.mdrl.co.uk – together with your alternative contact detail
    Today she received a letter from Moorcroft saying

    IMPORTANT INFORMATION - POSSIBLE FURTHER ACTION

    To prevent possible further debt recovery action, please send your payment proposal before 09/07/18 or telephone us on 0161 475 2971 within the next 7 days.

    If you do not contact us following receipt of this letter we may have no alternative other than to recommend to our clients that they consider possible further debt recovery action against you

    Contact us now and we would be happy to discuss a repayment program that you can afford and maintain. In certain circumstances we may also be able to offer a substantial discount from the outstanding balance.

    Contact us now.

    xxx

    Debt Recovery Manager
    Bearing in mind that they were emailed and told that we were still querying her account with Vanquis, but also sent them our SOA, the letters and GP report we sent our other creditors.

    Then today I received another email from Vanquis specialist support team. I've copied and pasted it exactly as I received it.

    Hi xxxx
    Thank you for your email, unfortunately I will be only able to discuss your account. If you would like to discuss details regarding your wife please call us on 0800 019 8231 with her present.
    The Specialist Support Team.
    Which is back to what we did on Tuesday.

    Then there's LINK. It's like talking to a brick wall.

    Following on from post 52, I responded to their complaints department saying, quote

    Dear sir/madam

    I think there has been a little confusion somewhere

    I cc'd emails shown at the bottom of this email to your department hoping it would kick things in to gear so to speak.

    I didn't mean to raise an official complaint.

    On your final response, xxxxx states:

    "As you mention a vulnerability , I am happy to forward our account to our specialist support team for further review, however this would be dependent on the basis that you are able to supply medical documents and a completed budget account"


    The reason I cc'd it to you was that I HAVE already sent you this information, hence was getting stressed at the non recognition of this fact. I sent you income and outgoings, and a letter explaining fully our situation, I then sent it all again along with a copy of a letter from my husbands GP (that another creditor paid for) on 30th May.

    I sent it signed for and it was signed by Tayaba on 31st May 2018

    proof of delivery https://www.royalmail.com/track-your-item#/tracking-results/GK332644760GB

    I'm happy to re-email you the same documents if you require it, but i cannot afford the post.

    My income and outgoings are exactly the same as I sent you twice last month (done via CAB) except that both Vanquish and Capital one have since written off their debts in full due to my husbands health.

    Again apologies if I sound terse, that's not my intention, it's just that I kind of feel like I'm going around in circles when I have gone to the expense that I cant really afford of sending everything signed for, and then get asked for the same information again.

    Yours Faithfully
    And today she received (bearing in mind the numerous times we have said in both writing and email that we will not deal with it by phone) a 1 line email saying

    Please contact the team at Link on telephone number 03330 145 145 quoting reference xxxxxxxx
    At that point I had a knot in my stomach, and when my wife went shopping, got her to buy alcohol I cant afford, just to clear my head.
    The way things are going, soon we are all going to be victims of something or other.

    Who will we blame then?
    • Iwanttobefree
    • By Iwanttobefree 6th Jul 18, 1:16 PM
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    Iwanttobefree
    So, on the 10th April I sent all creditors the information about my health and that we have no money.

    Creation Finance wrote us 3 letters each saying the account had been SOLD to Lowell on 31st May

    Lowell wrote my account off.

    My wife has two creation accounts and a shop direct account with Lowell.

    She has just had the following email

    Good Morning,

    Thank you for your email and for coming back to me.

    I can now advise that accounts xxxx and xxxx are being returned to the original creditor Creation Financial Services Limited.

    Please contact them directly and they will be able to provide some further information on that for you.

    Your other account with reference xxxx that was previously with Shop Direct remains on hold until 19th September.

    If you do have any further queries or if you require any further assistance then please do not hesitate to come back to me.

    Kind Regards
    So we are effectively back where we started at the beginning of April with Creation
    The way things are going, soon we are all going to be victims of something or other.

    Who will we blame then?
    • January2015
    • By January2015 6th Jul 18, 1:29 PM
    • 2,301 Posts
    • 5,482 Thanks
    January2015
    I have no advice or help to offer, but I wanted to post to thank you for sharing your experience and progress (or lack of progress in some cases ).

    I realise the annoying struggles you are having with some creditors/DCAs get you down, but when they do, just think back to those creditors who have been supportive and written off debts. Hopefully that will give you the strength to keeping smiling and pushing forward. You are so determined you will get there in the end.
    DFW Nerd No. 1484 LBM 07/01/15 Debt was £95k I'm driving it down
    £1k emergency fund (member #84) £1k/£1k
    • Iwanttobefree
    • By Iwanttobefree 6th Jul 18, 1:32 PM
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    Iwanttobefree
    I have sent Lowell the following email

    Creation told me in their letters that they sold their accounts to you, not that you were managing them on their behalf?

    With regards to Shop Direct, I would prefer it if it wasn't on hold and it was dealt with now. Absolutely nothing will change, it's extremely unlikely my husband will ever work again. The stress of dealing with all of our creditors is badly! affecting both his health and mine.

    Having to go through it all again in September, send the identical info in etc will not help us at all.
    The way things are going, soon we are all going to be victims of something or other.

    Who will we blame then?
    • Iwanttobefree
    • By Iwanttobefree 6th Jul 18, 5:56 PM
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    Iwanttobefree
    Have sent Moorcroft and Vanquis the following email

    Dear Sir/Madam

    I'm sorry for the tone in this email but us going around in circles is stressing both me and my husband to breaking point and is also making my husbands long term health worse.

    Yesterday you sent me the following letter.


    "IMPORTANT INFORMATION - POSSIBLE FURTHER ACTION

    To prevent possible further debt recovery action, please send your payment proposal before 09/07/18 or telephone us on 0161 475 2971 within the next 7 days.

    If you do not contact us following receipt of this letter we may have no alternative other than to recommend to our clients that they consider possible further debt recovery action against you............"


    As I said in the original email I sent you (that this is a reply to) I have no money. I've given you my income and outgoings, I've given you letters explaining our situation, I've given you a letter from my husbands GP. I cannot magic money out of thin air.

    There really is no more I can add. Due to this, there is no point in both me and my hiusband getting stressed out over letters and emails you or Vanquis send me.

    As absolutely nothing has changed, hence I cant even offer a token payment, as this is likely to be exactly the same this time next year etc, all I'm going to do from now is answer any letters that ask for something you don't already have.

    Or to put it another way, it doesnt matter how much you try to contact me via the phone (it will never be answered, we will only talk to all our creditors via email or letter), how many threatening letters you send us, I have nothing else to offer or say to you.

    Sure in 6 months if you want an update I can change the date on the info I've already sent, and re-send you everything
    (the only thing that will have changed will be some of our debts have been written off, and a few of our bills will no douobt rise slightly, my income wont change), but there is zero point me contacting you before then as there is absolutely nothing I can add.

    I'm not meaning to sound rude, I amn just really stressed. Vanquis have acted very sympathetically to my husband in all his comunication but the complete opposite with me.

    Even though it's my husbands health that means I can no longer pay you anything. My earnings are now all thats supporting both of us.

    My husband is the one dealing with all the debts, hence gets to see all communications to me as well. Vanquis are giving him sympathy with one hand and slapping him around the face with the other.

    For example, the letter they sent him today, said, quote

    “Thank you for recently contacting Vanquis., we appreciate this may be a difficult time for you”

    Whereas mine appears to have been passed back to you and you have effectively saud "phone us and give us money or else"

    I have sought advice from various debt advisors and they all say the same thing, I have no money, hence I cant even make a token payment.

    I've been advised that the FCA stresses you are to treat debtors sympathetically and it seems, in comparison to my husband (we are both in the same identical situation), I am not being treated that way,

    I hope we can work something out, sadl;y as alrady said, there is no money to pay yo at all.

    Regards
    Forgot to spell check the last paragraph oops
    The way things are going, soon we are all going to be victims of something or other.

    Who will we blame then?
    • sourcrates
    • By sourcrates 6th Jul 18, 6:13 PM
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    sourcrates
    You have to remember when your dealing with debt collectors, the person reading your letter is probably a spotty faced 18 year old straight out of short pants, with no more clue about how other people live than next doors cat.


    Most debt collection agencies are just call center type places, and usually employ a lot of younger people.


    It can be quite difficult to make yourself understood at times.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see : http://legalbeagles.info/
    • Iwanttobefree
    • By Iwanttobefree 7th Jul 18, 12:02 PM
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    Iwanttobefree
    Am I right to be paranoid about this letter?

    https://imgur.com/a/9HkhzQ4

    All we wanted was for Vanquis to talk to me about my wifes account via email, and she has given permission on the phone but they say it's not good enough and have sent the following form.

    But part of me is very vary about it, as it seems to be saying I'm an additional user and bound by the terms and conditions, if I signed it, couldn't they then argue as I'm bound to the terms and conditions, it's now a joint debt (hence they could get a charging order)?

    Or am I worrying about nothing?

    Many thanks
    The way things are going, soon we are all going to be victims of something or other.

    Who will we blame then?
    • January2015
    • By January2015 7th Jul 18, 12:43 PM
    • 2,301 Posts
    • 5,482 Thanks
    January2015
    Am I right to be paranoid about this letter?

    https://imgur.com/a/9HkhzQ4

    All we wanted was for Vanquis to talk to me about my wifes account via email, and she has given permission on the phone but they say it's not good enough and have sent the following form.

    But part of me is very vary about it, as it seems to be saying I'm an additional user and bound by the terms and conditions, if I signed it, couldn't they then argue as I'm bound to the terms and conditions, it's now a joint debt (hence they could get a charging order)?

    Or am I worrying about nothing?

    Many thanks
    Originally posted by Iwanttobefree
    I'm sure Fatbelly or Sourcrates will be along with advice, but me... personally.... I wouldn't fill that form in

    I looked on the Stepchange website and all they require for permission for someone else to talk to them about your account is the following....
    Dear Sirs,

    I authorise _________________________ (insert name of person) to act on my behalf and discuss my financial situation with you.


    Your signature:



    Your name:
    I would write your own letter, similar to the Stepchange one, make sure you include the account number etc. and send that back to them. However, as I said, I am sure Fatbelly or Sourcrates will pop in with more knowledgeable advice than mine..... mine is what I would do.... perhaps not what Fatbelly or Sourcrates would advise
    DFW Nerd No. 1484 LBM 07/01/15 Debt was £95k I'm driving it down
    £1k emergency fund (member #84) £1k/£1k
    • January2015
    • By January2015 7th Jul 18, 12:54 PM
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    January2015
    Following on from my last post, I've Googled and a letter giving consent to share information about your account should be good enough. For example, write a letter and include the following information:
    I give Consent to Share information about my account number xxxxxxx in writing or verbally, e.g. telephone, with the following person:

    Their full name
    Their full address and post code
    Their date of birth
    Their relationship to you
    A password, which you should choose and give to them
    A date, until which the consent to share is valid (or, specify if the date is indefinite)
    The basis for this was 'lifted' from Student Loans website, but I think if you have that information then they have sufficient information to carry out a data protection check, but you are not committing to signing anything like the commitments required by the form they sent you.
    DFW Nerd No. 1484 LBM 07/01/15 Debt was £95k I'm driving it down
    £1k emergency fund (member #84) £1k/£1k
    • sourcrates
    • By sourcrates 7th Jul 18, 2:41 PM
    • 15,718 Posts
    • 14,783 Thanks
    sourcrates
    Am I right to be paranoid about this letter?

    https://imgur.com/a/9HkhzQ4

    All we wanted was for Vanquis to talk to me about my wifes account via email, and she has given permission on the phone but they say it's not good enough and have sent the following form.

    But part of me is very vary about it, as it seems to be saying I'm an additional user and bound by the terms and conditions, if I signed it, couldn't they then argue as I'm bound to the terms and conditions, it's now a joint debt (hence they could get a charging order)?

    Or am I worrying about nothing?

    Many thanks
    Originally posted by Iwanttobefree

    I would not sign that form.


    You are under no obligation to do so, but by doing so, you become an authorised user on the account, and theoretically could be chased for non payment, a debt collector may read it that way, you do not want to be giving them any more ammunition, if they wont speak to you, so what, best not to speak to them at all anyway.


    Do everything in writing, or as you say by email, they do not know who is typing on the keyboard, use your imagination, and stay off the phone.


    End of that particular problem :


    Iwanttobefree 1

    Vanquis 0
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see : http://legalbeagles.info/
    • Iwanttobefree
    • By Iwanttobefree 11th Jul 18, 5:01 PM
    • 1,614 Posts
    • 3,970 Thanks
    Iwanttobefree
    Part of an email to Lowell

    Thanks for getting back to me.

    Creation told me in their letters that they sold their accounts to you, not that you were managing them on their behalf?
    Lowells response

    Good Afternoon,

    Thanks for your email.

    We did purchase the Creation accounts, however we have now returned them to Creation so you should contact them directly about this and they will be able to help you further.
    So they can buy then change their mind?
    The way things are going, soon we are all going to be victims of something or other.

    Who will we blame then?
    • Iwanttobefree
    • By Iwanttobefree 28th Sep 18, 2:49 PM
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    Iwanttobefree
    An update for you. I've heard nothing since July. Today I received two letters.

    First: Lowell saying
    We placed your account on hold to give you some time due to your circumstances.

    We'd now like to get an update on your circumstances so we can discuss affordable repayment...
    I have responded, again asking for them to write it off and again explaining that nothing at all has changed and nothing is likely to for the foreseeable future (ie years), and requesting if it hasn't be passed over already, that it is passed to their specialist support team.

    Second: From Link writing off my wife's £3,761 Barclaycard debt

    We thank you for the information presented to our specialist support Team to assist with reviewing your circumstances.

    As a result of the information provided we have made a commercial decision to no longer pursue the balance of this account.

    As this is a discretionary decision by our business, we would point out that the entry on your Credit File in respect of this account will remain registered for a period of six years from the date of default.

    We hope that you will find this a suitable resolution to our situation .....
    Up until today, all the debts written off were in my name, this is the first in my wifes name and it takes our debts down from £28, 377.40 in February to £13,704.17

    Many thanks for all the advice
    The way things are going, soon we are all going to be victims of something or other.

    Who will we blame then?
    • Iwanttobefree
    • By Iwanttobefree 3rd Oct 18, 12:45 PM
    • 1,614 Posts
    • 3,970 Thanks
    Iwanttobefree
    Another email today
    Dear xxx

    Intrum Reference: xxxxxxxxx

    Original Creditor: JD Williams & Company Limited

    Outstanding Balance: £439.15


    We write to you regarding the above account and further to your email we received on 22 August 2018. We sincerely apologise for our delay in responding to you, this was due to a clerical error.


    We appreciate that this may be a difficult time for you. We have reviewed your request to write off the outstanding balance and although we are unable to do this, what we have done is placed your account on a long term hold. This hold will be reviewed on a 12 month basis and if your circumstances have not improved, we will extend this by a further 12 months. This review process will be on an on-going basis. If we are unable to contact you after the 12 month hold, we would kindly ask you to please provide us with details of a third party who you are prepared to authorise for us to discuss matters with.


    Should you have any questions regarding the above, please do not hesitate to contact us.


    We appreciate your assistance in this matter.


    Yours sincerely

    xxx
    Customer Care Officer
    The way things are going, soon we are all going to be victims of something or other.

    Who will we blame then?
    • Iwanttobefree
    • By Iwanttobefree 11th Oct 18, 1:06 PM
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    • 3,970 Thanks
    Iwanttobefree
    After what feels like 100s of emails to and from Lowell, and me being stressed, my (wife's) last email to them said:

    Dear Sir/Madam


    Today I received a letter dates 25th September 2018 from you saying you placed my account on hold to give me some time due to my circumstances, and that you would like an update so you can discuss repayments with me.


    I'm sorry, but as I have been telling you since I first contacted you, NOTHING will change. Everything is exactly the same as it has been for months. My income and outgoings are exactly the same (maybe a few £ less due to rising bills).


    If it hasn't already been passed, may I request this is past to your specialist support team as I have zero way of making even a token payment for the foreseeable future (ie years) .


    I received a letter from Link Financial this week saying "We thank you for the information presented to our specialist support team to assist in reviewing your circumstances. As a result of the information provided, we have made a commercial decision to no longer pursue the balance of this account......"


    They have had exactly the same information you have had, their debt was from Barclays (in my name, not my husbands) and was for £3,761


    The reason I'm telling you this is that it is an unnecessary stress to receive letters every few months as it will always be the same response. If anything my situation will get worse not better due to stress affecting my health.


    I would rather you take me to court etc so I can show them I have zero funds due to my husbands health rather than me having to do this every few months. I have also been advised that creditors are under pressure from the FCA to treat debtors sympathetically and that it can be argued, compared to how other creditors are treating both me and my husband (writing the debts off due to our circumstances), any creditor who doesn't, isn't .


    I don't like getting out of money I owe, this is only due to my husbands health, and explaining the situation and requesting the debt is written off is what I have been advised to do after seeking professional help.


    I was also advised to say and do the following should the situations arise.


    1) If a creditor was unable to accept your request for closure, what have you been advised to do ?


    Answer : Ask the creditor to write off the debt again.


    2) If you have been advised to offer a token repayment, please confirm this would be the case with your account.


    Answer : My budget is in deficit each month, no payments are possible.


    3) Have your local Citizens advice Bureau informed you of any insolvency options?


    Answer : The only insolvency option for my circumstances would be an IVA, but with no disposable income, this is not possible.


    Please forward this to your specialist support team, and while if I get more letters etc I will reply, I'm simply going to send this email again as nothing will have changed.


    I don't mean to sound awkward or rude, my apologies if it sounds that way, you have no idea of the stress I'm currently under and I'm almost at breaking point.


    Yours Faithfully
    Yesterday my wife received the following email from them

    Good morning XXXXX,

    Thank you for your email. After reviewing the information provided your account has been passed to me, I work in the specialist team who deal specifically with customers who are facing difficulties.

    I have listed your account details below for your convenience:

    Account Number xxxxxxxxxx

    Original Client Shop Direct

    Original Client Reference xxxxxxxxx

    Current Balance £944.62


    Thank you for providing me with this update on your circumstances, I am sorry to learn of the difficulties you continue to be facing.

    I am sorry to learn of how the letters we sent made you feel, this was not our intention.

    I would like to advise that after reviewing the details you have provided I have put your account forward for closure.

    As this will be done as a gesture of good will no update will be made to your credit file.

    A letter will be sent to you to confirm when this has been done.

    If you have any questions please do not hesitate to contact me using the details provided below.

    Kind Regards
    The way things are going, soon we are all going to be victims of something or other.

    Who will we blame then?
    • Iwanttobefree
    • By Iwanttobefree 18th Oct 18, 10:30 PM
    • 1,614 Posts
    • 3,970 Thanks
    Iwanttobefree

    Second: From Link writing off my wife's £3,761 Barclaycard debt

    Up until today, all the debts written off were in my name, this is the first in my wifes name and it takes our debts down from £28, 377.40 in February to £13,704.17

    Many thanks for all the advice
    Originally posted by Iwanttobefree
    Wife got a letter from Barclays today, saying quote

    Refund relating to your Barclay Card Number xxxxxx

    We are writing to tell you that you will receive a refund on the above account.

    Following a recent review of our operating procedures we have identified that for customers who had fallen behind in their payments, we did not always meet our expected standards for assessing customers circumstances or engaging with them.

    Please accept our apologies for this.

    As a consequence we may not have offered you the support most appropriate to your financial situation. To address this we will refund te interest and default fees applied to the account during the period in which we may not have provided the service we should have.

    We will not look further into your case and provide further deserved redress unless you contact us regarding any other circumstances or losses in relation to this. .............

    As your account has been transferred to Link Financial Outsourcing we have asked them to reduce your outstanding balance by the total refund due of £320.06. To find out your latest balance you can contact them on ......
    Of course, I'm not expecting a single penny from them, and am more than grateful they wrote the debt off. But technically, if they've written the debt off and then at a later date Barclays then refund my wife £320, technically it could be argued my wife should get the £320.

    The situation made me smile, but again I'm not expecting the refund at all.
    The way things are going, soon we are all going to be victims of something or other.

    Who will we blame then?
    • Honeylife
    • By Honeylife 22nd Oct 18, 6:32 PM
    • 82 Posts
    • 137 Thanks
    Honeylife
    Scanned through most of this quickly.

    I do hope you have applied for PIP. The CAB can help you fill in an application and see if there are any other benefits you may be entitled to. When you go for the interview/test be prepared for absolutely ridiculous questions and tests. If you then get a letter saying NO, please APPEAL immediately. This may all take time but it will be backdated so the sooner you apply the better. Keep all your medical letters/emails.
    "... during that time you must never succumb to buying an extra piece of bread for the table or a toy for a child, no." the Pawnbroker 1964
    • Iwanttobefree
    • By Iwanttobefree 13th Nov 18, 6:23 PM
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    Iwanttobefree
    Scanned through most of this quickly.

    I do hope you have applied for PIP. The CAB can help you fill in an application and see if there are any other benefits you may be entitled to. When you go for the interview/test be prepared for absolutely ridiculous questions and tests. If you then get a letter saying NO, please APPEAL immediately. This may all take time but it will be backdated so the sooner you apply the better. Keep all your medical letters/emails.
    Originally posted by Honeylife
    Thanks, sorry for the late reply, only just seen this.

    The DWP have worn me down to the point where I feel (although I have a lovely wife supporting me) I would rather be homeless and living on the street than go through all that stress again with another benefit.

    That might sound a stupid thing to say, but appealing my ESA made me much much iller (I suffer from mental health issues as well as physical), some of the comments on this forum added to that too as they simply didn't understand what I was trying to explain (my fault, I was going around in circles etc but I still say a 3 yr old could tell by my forum ramblings at the time, that I wasn't in a right frame of mind).

    Both I and my wife have said when people suggest applying for PiP that we would rather be skint than face that again (my wife is more against applying for anything else than I am).

    So they've won. I'm another statistic that isn't on benefit anymore, at the same time I have just had a form signed by my GP to allow me to claim my pension before I'm 55 as I won't ever be working again due to my health.

    I did appeal all the way in my ESA claim and have just won the upper tribunal appeal, hence am waiting for another tribunal date. But based on the last one, I am going with 100% expectation of not passing it, and at that point I'm simply giving up. It's now been going on two years.
    The way things are going, soon we are all going to be victims of something or other.

    Who will we blame then?
    • Iwanttobefree
    • By Iwanttobefree 13th Nov 18, 6:45 PM
    • 1,614 Posts
    • 3,970 Thanks
    Iwanttobefree
    Well we've done very well with our debts thanks to the great advice on this forum.

    Only ones we have left are:

    Creation Finance £5,471
    Creation Finance £4,084
    Vanquis £2,320
    J D Williams £441
    Argos £442

    I don't think J D Wiliams and Argos are going to budge, I suppose their thinking is it's such a small amount, that there's always going to be the chance of getting that sort of money together or being able to pay it off. both have put the accounts on hold for a while (one for a year)

    I'm still arguing with Vanquis, their biggest problem is getting the right person to read what I write.

    For example their specialist support department sent my wife an email with a ref number on (as the subject) saying to respond with her date of birth so they can continue talking to her.

    She does this, hears nothing.

    She gives them a nudge a month later, nothing.

    She then has a bit of a very polite rant at them telling them how stressful hearing nothing is etc and pleading with them to get back.

    All of these emails were replies/forwards of the original email Vanquis sent her.

    The last reply from them last week (bearing in mind they already have her date of birth in the email chain they replied to, and it was their own ref number) was, quote (in full)

    Hi,

    Thank you for your email. This number is not registered with us. So that I can help you today, please reply with your full name, date of birth and post code.

    The Vanquis Team
    So she supplied that and asked for it to also be passed over to the complaints team (every one of her emails also asked to make sure it was passed to the specialist support team).

    They are driving us nuts.

    Creation, they simply wont budge. We supplied them with proof that others had written her debts off etc, my GPs letter stating I wasn't likely to ever work again etc and explained in detail that they could put it on hold for 2 years and nothing would change, we included my wifes tax bills from the previous 2 years to show her salary wasn't likely to rise much, and any rise would be used up with increased bills etc etc etc.

    And again asked them to write off the debts and pointed out what was recommended earlier in this thread about creditors treating us fairly and how as the others had written off the debts etc.

    Got their response today, here it is in full.

    Account Numbers: xxxxxxxxxxxx / xxxxxxxxxx


    Thank you for your recent email regarding the above Creation accounts and thank you for the comprehensive information supplied. As you are aware both of the above accounts are on hold without payment until 06/04/2019, at which time we will carry out a review. Six monthly reviews are company policy but we can relate to some information already supplied to reduce any further stress to be felt by yourself. Your request to write off the accounts has been declined and we will continue to hold the accounts.

    We understand that other organisations have taken a different action to ourselves but we are unable to comment on their actions and can only apply our own policies.

    Should you have any queries, please do not hesitate to contact us on 0808 164 0001 or through the above email address.



    xxx xxxx

    Customer Support Specialist Team
    Last edited by Iwanttobefree; 13-11-2018 at 6:48 PM.
    The way things are going, soon we are all going to be victims of something or other.

    Who will we blame then?
    • January2015
    • By January2015 13th Nov 18, 6:58 PM
    • 2,301 Posts
    • 5,482 Thanks
    January2015
    Well done of the debt write offs. From other people on the forum it is clear that Creation are a right pain in posterior !!! Just let them review every six months and keep putting the account on hold. Don't stress over it.

    Regarding ESA and PIP - I can so relate to your feelings on this. However, it is definitely worth persevering. Take a deep breath and perhaps try again in a month or so. I admit they don't make it easy. The flipping great book you get to fill in just to start the claim is bad enough, then the assessment by people who are (I'm sure) put in place to deny your claim - however, if you have good medical professionals behind you (and your GP sounds great) then you should get through eventually and be awarded the PIP. It makes a world of difference. I have recently supported a neighbour through this horrendous process and we both wanted to give up many times. It tooks almost six months before she was finally awarded PIP.

    Once again - well done on your progress, and do keep us updated.
    DFW Nerd No. 1484 LBM 07/01/15 Debt was £95k I'm driving it down
    £1k emergency fund (member #84) £1k/£1k
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