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Hello
I have been paying drydens for nearly 8 years , but just recently they are now threatening me with possible legal action, l have never missed a payment and all seemed well.
This debt is one of many old debts I had dating back to about 2008 when I began to default and miss payments.
I cannot be sure but I believe drydens may be the third people to have taken this debt on.
I have managed to now clear most of these original debts including two that became CCJ'S these when I couldn't cope with the constant pressure I was receiving so agreed to the debt being secured to my property.
One of these CCJ'S was at that time also drydens.
I now only have two of these old debts left, neither are CCJ'S one is with Cabot, and one with drydens.
I will be honest that over the last few years I have worked hard and built a good credit rating. I cleared the CCJ'S and all the other debts now may be foolishly I should have cleared the debt in question, but I couldn't forget the aggression, nastiness or stress they caused me.
I naively believed I could just continue paying as I had.
Now i have found out they may pursue legal action, but due to some bad health news that will be life changing i have only just opened the letters, this being because i have been in and out of hospital. I was first admitted March 13th.
One stated that they believed that i could pay the debt of quicker from information on my credit file.
I did not ever give permission for them to search , i have check my reports and it appears that arrow global carried out two searches in December last.
The first letter I received was march 20th, I the recieved another early April both requesting I fill in an income and expenditure report. I then recieved a third mid april requesting the same again but this time they would be going to ask the creditor arrow global to if they wish to start legal proceedings, I was given to april 28th to return the income/ expenditure or get in touch.
I obviously have not been in touch as it was only yesterday when i finally opened all my back dates post, this being the first opportunity since i started my treatment.
I have not yet recieved any more letters, and was looking for any possible advice or guidance.*
One issue is that since February this year my whole financial situation and long outlook in regards to priorities has changed and I am no longer in a position to pay any more or put myself through the stress of fighting of aggressive debt collectors, I appreciate this may be selfish and my own fault, but I would gratefully appreciate any guidance recieved.
Having briefly looked up, question I have are*
Is it worth asking for the CCA
Will I have chance to negotiate if I can source money from somewhere.
Will they already put me in court
Do i make contact or just wait and keep paying.
Again any advice would both good or bad.
Yours Faithfully.
I have been paying drydens for nearly 8 years , but just recently they are now threatening me with possible legal action, l have never missed a payment and all seemed well.
This debt is one of many old debts I had dating back to about 2008 when I began to default and miss payments.
I cannot be sure but I believe drydens may be the third people to have taken this debt on.
I have managed to now clear most of these original debts including two that became CCJ'S these when I couldn't cope with the constant pressure I was receiving so agreed to the debt being secured to my property.
One of these CCJ'S was at that time also drydens.
I now only have two of these old debts left, neither are CCJ'S one is with Cabot, and one with drydens.
I will be honest that over the last few years I have worked hard and built a good credit rating. I cleared the CCJ'S and all the other debts now may be foolishly I should have cleared the debt in question, but I couldn't forget the aggression, nastiness or stress they caused me.
I naively believed I could just continue paying as I had.
Now i have found out they may pursue legal action, but due to some bad health news that will be life changing i have only just opened the letters, this being because i have been in and out of hospital. I was first admitted March 13th.
One stated that they believed that i could pay the debt of quicker from information on my credit file.
I did not ever give permission for them to search , i have check my reports and it appears that arrow global carried out two searches in December last.
The first letter I received was march 20th, I the recieved another early April both requesting I fill in an income and expenditure report. I then recieved a third mid april requesting the same again but this time they would be going to ask the creditor arrow global to if they wish to start legal proceedings, I was given to april 28th to return the income/ expenditure or get in touch.
I obviously have not been in touch as it was only yesterday when i finally opened all my back dates post, this being the first opportunity since i started my treatment.
I have not yet recieved any more letters, and was looking for any possible advice or guidance.*
One issue is that since February this year my whole financial situation and long outlook in regards to priorities has changed and I am no longer in a position to pay any more or put myself through the stress of fighting of aggressive debt collectors, I appreciate this may be selfish and my own fault, but I would gratefully appreciate any guidance recieved.
Having briefly looked up, question I have are*
Is it worth asking for the CCA
Will I have chance to negotiate if I can source money from somewhere.
Will they already put me in court
Do i make contact or just wait and keep paying.
Again any advice would both good or bad.
Yours Faithfully.
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