Hey Guys.......I don't normally do posts like these but I've had a really crap couple of days and I could do with some cheering up......
After coming back from the Motel Munch on a complete high my week went downhill very rapidly.......loads of lectures which make my head spin because I know nothing about Biology......and then I haven't managed to get hold of someone that I really want to talk to......I've been so tired I haven't been able to stay awake most nights.....
And then I get a really nasty letter this morning which is going to make me stress out all weekend until I can try and get it sorted out.....
I know there's nothing that you guys can do especially but I just wanted somewhere to vent my frustration.....
Thanks for listening/reading guys.....
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Really Bad Couple of Days
Warming the Bed
hope u chear up... things could be worst,,,, oh boy i would know
Orgasminator
:therethere: :therethere: :therethere: :therethere:
:kiss: :kiss: :kiss:
Hey, hope you sort everything out. Get yaself off down the pub with some friends and have a few :beer: :beer:
:kiss: :kiss: :kiss: Hey, hope you sort everything out. Get yaself off down the pub with some friends and have a few :beer: :beer:
Helen, you're a really beautiful person and it sounds as though the last couple of turns in life's wonderful journey have worn you down. Sometimes it's an idea to get off the motorway and take the scenic route once in a while, maybe even exchange your metaphorical automobile for a pony and trap for the next few miles. In the meantime, things often have a way of sorting themselves out.
You're among friends here, so feel free to rant and rave until your soul is light and fluffy once more.
You're among friends here, so feel free to rant and rave until your soul is light and fluffy once more.
Quote by Sgt Bilko
I find a good stiff one helps!!!
:lol: :lol: :lol:
Are you offering to give me a stiff one? :shock: :wink:
And thanks Roger......I appreciate the analogy.....
It's the letter that's stressing me out the most, its really serious and I know I can't do anything about it until Monday....it's kind of ruining my weekend..... :cry:
Ooo helen I know how bad they can be, I have had a few letters in the past from in my case, debt companies, always not available over the weekend, and always respond in 5 days from date we sent letter... grr which with the weekend means monday, double grr...
Anyways came here to cheer you up, not rant n rave about my past. I've been there, there is light at end of the tunnel and you will work through it no matter how bad it seems at the time. Don't let em get to you...
TnH
Anyways came here to cheer you up, not rant n rave about my past. I've been there, there is light at end of the tunnel and you will work through it no matter how bad it seems at the time. Don't let em get to you...
TnH
Sex God
Quote by Sgt Bilko
I find a good stiff one helps!!!
:shock: :shock: :eeek: :eeek:
Hope you meant this Sarge........
Dont worry DreamerHelen, there's always a way out of debt letter type things. I wish I could say I was clear of them now but Mrs TnH and I still have quite a few in background to sort. Nothing to be ashamed of, 90% of the human race has made a mistake or to on the way or we wouldnt be human...
If you get any trouble from them get yourself to Citizens Advice, there's a lot you can do to stay enpowered. Don't let them scare you, there is only so much they can do. The letters are often all bark and no bite. Obviously don't ignore it, but dont let it ruin your weekend either
Wishing you luck with it, and if you need to talk we here for you...
If you get any trouble from them get yourself to Citizens Advice, there's a lot you can do to stay enpowered. Don't let them scare you, there is only so much they can do. The letters are often all bark and no bite. Obviously don't ignore it, but dont let it ruin your weekend either
Wishing you luck with it, and if you need to talk we here for you...
Talking one to one with the company rather than from the paper helps. If you are really worried and need advise then citizen advice offer brilliant help and freee. Often you can talk the problem out with dept firms who basically always threaten with court, but they know if the amount is less than a set fee they will NOT get the money back, and so not pursue so will accept a lesser figure per month in the knowledge they will get the amount you owe but in a longer period?
Just TALK to someone on monday and begin with each informed part bit by bit...
Just TALK to someone on monday and begin with each informed part bit by bit...
Sex God
DreamerHelen,
Having a letter like this does not make you a bad person.......... , but as TH says, there will be a light at the end of the tunnel. I'm sure that Monday will be fine to contact them.
I think those sort of letters are always meant to sound scarey to the person that it is addressed to.
Deep breath ...............and try to enjoy the rest of the weekend. :)
Having a letter like this does not make you a bad person.......... , but as TH says, there will be a light at the end of the tunnel. I'm sure that Monday will be fine to contact them.
I think those sort of letters are always meant to sound scarey to the person that it is addressed to.
Deep breath ...............and try to enjoy the rest of the weekend.
:) Hands the tissues...
If it makes you feel better DH, yes I been round that block a few times. The professional ones often not that bad, and in my case they froze the interest on my CC so it was easier to pay off.
They buy the debt (normally) from the company at less than you owed so if they get it all back, even over longer time they are happy. They do rattle sabre faster than most store cards or CC companies but generally you want to pay it of (and lose this worry), and they just want the money in bank, so you after the same thing. Now all you need do is work out fair terms to do it.
Any problems dive for CAB, and remember it never worth losing sleep over, let alone considering more drastic steps (which I have friends consider before)
If it makes you feel better DH, yes I been round that block a few times. The professional ones often not that bad, and in my case they froze the interest on my CC so it was easier to pay off.
They buy the debt (normally) from the company at less than you owed so if they get it all back, even over longer time they are happy. They do rattle sabre faster than most store cards or CC companies but generally you want to pay it of (and lose this worry), and they just want the money in bank, so you after the same thing. Now all you need do is work out fair terms to do it.
Any problems dive for CAB, and remember it never worth losing sleep over, let alone considering more drastic steps (which I have friends consider before)
Tallnhairy is right about these people they are not as powerful as they like to make out. As long as you communicate with them they will be fine. But be aware of the people on the DC phone lines as they are only trained to try and get you to pay up. You will get a sesnsible answer from them by writing communication only. Though you may need to phone in the first instance to tell them you have received their letter.
I have being dealing with these people for years and years. You will have loads of time to negotiate and they expect things to take ages, so don't worry. As long as you make them the offer of a payment even one as low as a a month (like I do) there is not much they can do. However it may be a good idea to get some advice from a money advice centre or CAB (may be one and the same in your town). If only just to reassure you of where you stand (and they will confirm everything I have said here). They will prepare a financial statement and negotiate with these agencies for you if you want them to (which is what I get them to do for me when I feel like flexing a bit of muscle).
So don't worry Helen these letters sound worse than they actually are. Debt is no longer a crime like it use to be in the 19th Century when they could clap you in prision. Things have moved on a great deal and it's no longer the stigma it was. Everyone is in debt these days and these companies know it's all just a game, which is what it is really. They won't be comming round to kick your door in and take away your belongings. The only people they get heavy with are those who don't want to pay anything.
Hope this clarifies things.
Love and best wishes LC. XXX
I have being dealing with these people for years and years. You will have loads of time to negotiate and they expect things to take ages, so don't worry. As long as you make them the offer of a payment even one as low as a a month (like I do) there is not much they can do. However it may be a good idea to get some advice from a money advice centre or CAB (may be one and the same in your town). If only just to reassure you of where you stand (and they will confirm everything I have said here). They will prepare a financial statement and negotiate with these agencies for you if you want them to (which is what I get them to do for me when I feel like flexing a bit of muscle).
So don't worry Helen these letters sound worse than they actually are. Debt is no longer a crime like it use to be in the 19th Century when they could clap you in prision. Things have moved on a great deal and it's no longer the stigma it was. Everyone is in debt these days and these companies know it's all just a game, which is what it is really. They won't be comming round to kick your door in and take away your belongings. The only people they get heavy with are those who don't want to pay anything.
Hope this clarifies things.
Love and best wishes LC. XXX
See dreamer we all have issues with these companies and they do try to make you feel bad and panic. They ALSO usually time the post to arrive during the weekend to let you fret!
We are all little fish and many of us go off the CC route after they threaten us. The amount of loan companies who write to me with loads of money offers and all sorts of CC firms is unbelieveable! So sleep easy and get on the phone monday and see what they have to offer in sorting it out. Often the letter is a bog standard computer sent one anyhow...
As to dropping the issue on here...
we are all friends in the end...
except we ARE a litle bit zany
We are all little fish and many of us go off the CC route after they threaten us. The amount of loan companies who write to me with loads of money offers and all sorts of CC firms is unbelieveable! So sleep easy and get on the phone monday and see what they have to offer in sorting it out. Often the letter is a bog standard computer sent one anyhow...
As to dropping the issue on here...
we are all friends in the end...
except we ARE a litle bit zany ((((((((((((((Helen)))))))))))))) I have an immense amount of experiance with Debt collectors, and am currently working through debt now. I know my rights, and may be able to help you to know yours.
Drop me a line pet.
In the meantime don`t let it worry you now, nothing will happen between now and Moday, so enjoy it!
Venusxxx
Drop me a line pet.
In the meantime don`t let it worry you now, nothing will happen between now and Moday, so enjoy it!
Venusxxx
Sex God
Yeah it's easyto say don't worry, but if you're one of lifes worriers (like I am) then you'll still find that it'll get to you.
First Venus and a few others seem clued up so talk to them. Forewarned is forearmed. If you've got a plan of action it'll help to put your mind at rest.
Secondly, go and have a long soak in a warm bath before you go to bed. Put clean bedwear on and settle down in bed with some warm milk or something similar. NO stimulants such as tea, coffee, crack-cocaine (or is the last one just me
).
Read a book or listen to some soft music (NO thrash metal) and just allow yourself to doze.
Hopefully this will help you get a good nights sleep.
Alternatively have a look through the photo ads for one of those "I'm VVWE and ready for it now" ads and shag yourself to sleep.........
Maybe not.
First Venus and a few others seem clued up so talk to them. Forewarned is forearmed. If you've got a plan of action it'll help to put your mind at rest.
Secondly, go and have a long soak in a warm bath before you go to bed. Put clean bedwear on and settle down in bed with some warm milk or something similar. NO stimulants such as tea, coffee, crack-cocaine (or is the last one just me
).Read a book or listen to some soft music (NO thrash metal) and just allow yourself to doze.
Hopefully this will help you get a good nights sleep.
Alternatively have a look through the photo ads for one of those "I'm VVWE and ready for it now" ads and shag yourself to sleep.........
Maybe not.
You have a PM.
I was going to try to post here to attempt to help you see more clearly the reality of being chased for money, but there are other people here that are more eloquent and experienced than I.
I would say read and inwardly digest some of the things posted above. There are some good points raised and some good advice given.
It really can be far less daunting than first thought.
No matter what happens - 'they' can't make me pregnant and 'they' can't hang any of us any longer.
Keep your chin up and speak to them.
I was going to try to post here to attempt to help you see more clearly the reality of being chased for money, but there are other people here that are more eloquent and experienced than I.
I would say read and inwardly digest some of the things posted above. There are some good points raised and some good advice given.
It really can be far less daunting than first thought.
No matter what happens - 'they' can't make me pregnant and 'they' can't hang any of us any longer.
Keep your chin up and speak to them.
Orgasminator
Quote by DreamerHelen
Hey Guys.......I don't normally do posts like these but I've had a really crap couple of days and I could do with some cheering up......
After coming back from the Motel Munch on a complete high my week went downhill very rapidly.......loads of lectures which make my head spin because I know nothing about Biology......and then I haven't managed to get hold of someone that I really want to talk to......I've been so tired I haven't been able to stay awake most nights.....
And then I get a really nasty letter this morning which is going to make me stress out all weekend until I can try and get it sorted out.....
I know there's nothing that you guys can do especially but I just wanted somewhere to vent my frustration.....
Thanks for listening/reading guys.....
we love ya babe, hope that helps a little
Sex God
What a place.... for such support for one another !!!!!!!!!!!!!!!!!
:) :) :)
:) :) :) Helen we have been in the same situation a number of times scaring ourselves with every letter and weve come through it and if its any help it is never quite as bad as it has already been said their bark is always much worse than their bite.
They make it sound so scary to you to make you react quickly,thats all.
Hope that helped somehow,but dont let it get you down,as difficult as that may sound.
All the best for Monday and getting it all sorted out.
Clare,xxx
They make it sound so scary to you to make you react quickly,thats all.
Hope that helped somehow,but dont let it get you down,as difficult as that may sound.
All the best for Monday and getting it all sorted out.
Clare,xxx
Heather, I`m posting this here as it may come in useful for other members. I`m not sure what the nature of your debt is, so please don`t take offense if it`s too much!
Key points to remember;
NEVER let bailiffs in, or let them persuade you to sign their papers on the doorstep. These papers are a `walking possession` agreement, and once these are signed, they have all the power they need to come in and take possession of your things if you don`t keep up what they see fit as a payment plan. They WILL try to scare you into signing papers, but legally they do not have a foot to stand on. Treat them as vampires. If they cannot get the money out of you, the company they are representing will have to take the debt back. It`s advisable to contact the company and ask them to do this anyway.
DO concentrate on CTX and rent arrears, or any priority or secured debts. These can be upheld by the company by removing your home, security or in the case of CTX, prison. But before you panic, this is very unlikely to happen if you work with them. In fact courts take a very dim view of companies who play a heavy hand with people who are trying, in some cases allowing the client to pay less than they had previously offered!
In the case of Water arrears, as from a couple of years ago, it is now illegal for the water board to cut off your supply, thus taking it out of the priority debt class.
Non priority debts do not have much power at all. They can send bailiffs, but as they do not have much power, don`t panic! In the case of Mars and I, we have an unsecured loan we could not keep up with. We have requested that they accept the repayment amount offered, and freeze the interest. To give you an idea of what happens if they refuse the offer, here are a couple of letters that can be sent.
Sorry, that didn`t paste too well, but you get the idea. Of course, there are lots of routes to go down before it gets to this point, but seeing as you are so concerned, I thought I`d highlight just how much power you do have in those circumstances. Try reading up on this site for all the steps and advice, it`s very good.
Final key point. Being in debt is not an indication you are a criminal, so don`t feel like one, or let anybody else make you feel like one. Shit happens.
Venusxxx
Key points to remember;
NEVER let bailiffs in, or let them persuade you to sign their papers on the doorstep. These papers are a `walking possession` agreement, and once these are signed, they have all the power they need to come in and take possession of your things if you don`t keep up what they see fit as a payment plan. They WILL try to scare you into signing papers, but legally they do not have a foot to stand on. Treat them as vampires. If they cannot get the money out of you, the company they are representing will have to take the debt back. It`s advisable to contact the company and ask them to do this anyway.
DO concentrate on CTX and rent arrears, or any priority or secured debts. These can be upheld by the company by removing your home, security or in the case of CTX, prison. But before you panic, this is very unlikely to happen if you work with them. In fact courts take a very dim view of companies who play a heavy hand with people who are trying, in some cases allowing the client to pay less than they had previously offered!
In the case of Water arrears, as from a couple of years ago, it is now illegal for the water board to cut off your supply, thus taking it out of the priority debt class.
Non priority debts do not have much power at all. They can send bailiffs, but as they do not have much power, don`t panic! In the case of Mars and I, we have an unsecured loan we could not keep up with. We have requested that they accept the repayment amount offered, and freeze the interest. To give you an idea of what happens if they refuse the offer, here are a couple of letters that can be sent.
1 High Street,
Newtown,
Kent
R21 4RH
July 11, 2004
The Loan Company
Company House,
Church Street,
Newtown,
Kent,
R1 7HG
Dear Sir/Madam
Acc/Ref No 12
Thank you for your letter of 01−01−2002 concerning the above account.
We are are sorry that you feel unable to accept the offer which we have made. The majority of our other
creditors have accepted the offers made to them and we have commenced payments. We cannot offer you
more because we can only afford £775 per month between all our other creditors, and it would be wrong to
cease or reduce payments to our other creditors in favour of your company. The offer made to you is on a pro
rata basis, as used by the county court.
In the light of the other creditors agreeing to our repayment plan, please would you reconsider our offer. We
will be making the payments in line with the offer to your company, on a weekly basis, as a gesture of
goodwill.
We look forward to hearing from you as soon as possible.
Yours faithfully
Mr A N Other
1 High Street,
Newtown,
Kent
R21 4RH
July 11, 2004
The Loan Company
Company House,
Church Street,
Newtown,
Kent,
R1 7HG
Dear Sir/Madam
Acc/Ref No 12
Thank you for your letter of 01−01−2002. We are very disappointed that we seem unable to reach a
satisfactory compromise in this case. As we have already explained, we can only afford £71 per month at the
present time. This is the only realistic payment proposal bearing in mind the enclosed personal budget sheet.
You have stated in correspondence your intention to commence proceedings in the county court against us.
The commencement of legal proceedings under such circumstances could be counter to the ‘Overriding
Objectives’ of the new Civil Procedure Rules. You will be aware that the Overriding Objectives underpin
everything the court does. Moreover, paragraph 4 of the Protocols Practice Direction states that in cases not
covered by an approved pre−action protocol, the court will expect the parties “to act reasonably…….. in
trying to avoid the necessity for the start of proceedingsâ€.
We would suggest that your refusal to accept our offer could be viewed as unreasonable and we would ask the
court to consider this matter with reference to the Overriding Objectives.
The offer of £71 is of course still open to you to accept.
Yours faithfully
Mr A N Other
1 High Street,
Newtown,
Kent
R21 4RH
July 11, 2004
The Loan Company
Company House,
Church Street,
Newtown,
Kent,
R1 7HG
Dear Sir/Madam
Acc/Ref No 12
Thank you for your letter of 01−01−2002. We are very disappointed that we seem unable to reach a
satisfactory compromise in this case. As we have already explained, we can only afford £71 per month at the
present time, and we feel that it is pointless paying this amount to you only to see the debt increase. We invite
you therefore to sue us for the debt, when we shall have the opportunity of offering £84 per month through the
courts.
In addition, once judgment is granted we understand that further interest will be suspended in any event. It
seems that we can only achieve a reasonable outcome to this matter by allowing the courts to decide, although
this will involve us both in extra expense and time wasted with court proceedings.
The offer of £71 per month plus suspension of interest is of course still open to you to accept.
Yours faithfully
Mr A N Other
Sorry, that didn`t paste too well, but you get the idea. Of course, there are lots of routes to go down before it gets to this point, but seeing as you are so concerned, I thought I`d highlight just how much power you do have in those circumstances. Try reading up on this site for all the steps and advice, it`s very good.
Final key point. Being in debt is not an indication you are a criminal, so don`t feel like one, or let anybody else make you feel like one. Shit happens.
Venusxxx
