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Hiya all. Hopefully I can outline this as best as possible.
In Jan 2005 my father was diagnosed with terminal cancer and as my only parent I was devastated and could not cope with work. I worked for Surrey Police as a civillian and the job was very stressful dealing with crime victims etc. With all that and my fathers illness I found myself deep in depression. Therefore was signed off by my doctor.
As a result of this finances were strained and I already had a 4k overdraft. Got into trouble due to no money and asked the Nat West for help. They forced me to consolidate my overdraft into a personal loan. Knowing all the circumstances, ie father and work etc. I told them at the time that it would not help and would make matters worse. They wouldnt listen. So I had to do it, I had no other option.
However, since I was looking after my sick father, and they knew this, I was unable to pay my monthly repayments. My father subsequently died in June 2005 and I just completely shut down. I then decided to run. I moved to Dorset first with a hope of getting a job to no avail. This was April 2006. I was still not able to pay Nat West. I stayed in Dorset for one year and then moved in July this year.
I was falling behind on my mortgage payments and then had to sell. So I relocated to Devon in the hope of joining Devon and Cornwall police which is ongoing and looks promising.
But since moving, I have now had solicitors letters relating to the Nat West loan. The loan was originally £8,100 they are now asking for nearly £20,000. This amount must include interest and other charges also including Court costs and solicitors fees. I contacted the solicitors and told them I am on Jobseekers allowance and offered to pay Nat West £20 per month, he told me that Nat West want £250 per month to stop any court proceedings. I told him that this was impossible. I have since paid two lots of £20 and have looked into the insurance side of things.
I contacted the insurance and have found out I am covered, I have got the forms and am in the process of getting them all signed etc. I contacted the solicitors and told them last week about the insurnace and low and behold yesterday I received court papers in the form of claim form and admissions etc.
Now, I am so worried and feel that I am getting deeper and deeper into trouble. Devon and Cornwall police have been checking my credit file and if they see any other adverse entries then I can wave goodbuy to that possible job.
I called National Help Debtline and they gave me this forum website. They cannot understand why over two years the amount of money the Nat West want has escalated into nearly £20k. They have told me to admit only part of the claim but I dont know what paperwork to send back. All of it or just the acknowledgement response pack or the defence and counterclaim doc. I dont know I just know I need help quick to put a stop to all this. I still have all the relevant paperwork to do with the loan.
I cant bear it anymore didnt sleep at all well last night have had to cancel appointments through all this worry. Well, thats about it in a nutshell.
Dont know what you might suggest, any help would be appreciated.
In Jan 2005 my father was diagnosed with terminal cancer and as my only parent I was devastated and could not cope with work. I worked for Surrey Police as a civillian and the job was very stressful dealing with crime victims etc. With all that and my fathers illness I found myself deep in depression. Therefore was signed off by my doctor.
As a result of this finances were strained and I already had a 4k overdraft. Got into trouble due to no money and asked the Nat West for help. They forced me to consolidate my overdraft into a personal loan. Knowing all the circumstances, ie father and work etc. I told them at the time that it would not help and would make matters worse. They wouldnt listen. So I had to do it, I had no other option.
However, since I was looking after my sick father, and they knew this, I was unable to pay my monthly repayments. My father subsequently died in June 2005 and I just completely shut down. I then decided to run. I moved to Dorset first with a hope of getting a job to no avail. This was April 2006. I was still not able to pay Nat West. I stayed in Dorset for one year and then moved in July this year.
I was falling behind on my mortgage payments and then had to sell. So I relocated to Devon in the hope of joining Devon and Cornwall police which is ongoing and looks promising.
But since moving, I have now had solicitors letters relating to the Nat West loan. The loan was originally £8,100 they are now asking for nearly £20,000. This amount must include interest and other charges also including Court costs and solicitors fees. I contacted the solicitors and told them I am on Jobseekers allowance and offered to pay Nat West £20 per month, he told me that Nat West want £250 per month to stop any court proceedings. I told him that this was impossible. I have since paid two lots of £20 and have looked into the insurance side of things.
I contacted the insurance and have found out I am covered, I have got the forms and am in the process of getting them all signed etc. I contacted the solicitors and told them last week about the insurnace and low and behold yesterday I received court papers in the form of claim form and admissions etc.
Now, I am so worried and feel that I am getting deeper and deeper into trouble. Devon and Cornwall police have been checking my credit file and if they see any other adverse entries then I can wave goodbuy to that possible job.
I called National Help Debtline and they gave me this forum website. They cannot understand why over two years the amount of money the Nat West want has escalated into nearly £20k. They have told me to admit only part of the claim but I dont know what paperwork to send back. All of it or just the acknowledgement response pack or the defence and counterclaim doc. I dont know I just know I need help quick to put a stop to all this. I still have all the relevant paperwork to do with the loan.
I cant bear it anymore didnt sleep at all well last night have had to cancel appointments through all this worry. Well, thats about it in a nutshell.
Dont know what you might suggest, any help would be appreciated.
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