Quick Hello

[Shaun11Turnbull]

Hi Guys,
Just a quick hello!
Came across this very informative forum when looking for some advice.
Lots to talk about and seek advice about, concerning various companies and issues.
Any help and advice is much appreciated!!!


About Me :-

• Currently Unemployed (First time in 18 Years).
• Current Income - Income Based JSA until Oct 2009.
• Current Debts - £22k.
• Current Creditors - 12.
• Current number of "Harassing" phone calls and letters - 2,000+.
• Current Assets - NIL.
• Current Status - Awaiting First Consulation with CCCS.

Thanks in advance for any help !!!

[TUTTSI]

Re: Quick Hello

Hi Shaun and welcome to Legal Beagles.

So I expect you will have lots of bank and credit card charges!

Under the terms of the FSA waiver, you may be able to claim under the hardship rules.

If you complete an income and expenditure form http://www.legalbeagles.info/forums/...ead.php?t=5102 and then if you could either post it up up or PM one of the team.

In our template library you will find a suitable harrassment letter to send to your various creditors.Legal Beagles http://legalbeagles.info/forums/showthread.php?t=81

Are your debts from self employment, Ltd company or are these personal?

Also, could you elaborate more on who you owe money to.

Also, you state that you are unemployed forst time in 18 years, when did you become unemployed? and was it redundancy?

Thanks

Tuttsi

[Shaun11Turnbull]

Re: Quick Hello

Thanks Tuttsi.

I am currently filling out the budget sheet to PM across.

All debts are personal.

Unemployed due to Constructive Dismissal. Currently awaiting legal response from solicitor.

Once I have completed the budget sheet, I will go into more details about my queries.

Thanks for the welcome!!

Shaun

[Shaun11Turnbull]

Re: Quick Hello

Breakdown:-

• Connaught Collections (1st Credit Ltd)
  • Midland Bank - Nov 1997 - Car Finance (Agreement Available)
  • Forces Car Loan Agreement (managed Loan Account)
  • Original Start Balance £5000
  • Car Part-Exchanged with Nissan.
  • Outstanding Balance - Feb 1998 - £4756.46
  • Nissan paid £1700 off balance
  • Remaining Balance - £3056.46
  • Current Balance - £870.37
• Salans
  • Nissan Finance GB - Feb 1999 - Car finance (No agreement Available)
  • Car handed back to Nissan Early 2000 (Unable to keep up payments)
  • Balance @ Aug 2006 - £5926.67
  • Current Balance - £4964.67
• Link Financial
  • MBNA Credit Card - Sep 1998
  • Handed over to Link - Early 2000 - £3996.69
  • Current Balance - £3135.86
• Marlin Financial Services
  • Yes Car Credit - Apr 2003 - Car Finance (Agreement Available)
  • PPI, Mechanical Breakdown & GAP insurance - £3520.32
  • Vehicle - £6306.24 handed back Jan 2004 (Unable to keep up payments)
  • Vehicle sold at auction £2,225
  • Remaining Balance @ Feb 2004 - £6147.27
  • Current Balance - £4870
• RCTCBC (Council Tax) Period 1999 - 2000
  • Council Tax
  • Last Contact Dec 1999
  • Balance £268.70
• RCTCBC (Council Tax) Period 2000 - 2001
  • Council Tax
  • Last Contact Sep 2001
  • Balance £444.04
• Newydd Housing Association Period 2000 - 2001
  • Rent
  • Last Contact Nov 2001
  • Balance £425.20
• RCTCBC (Overpayments)
  • Overpayment of Salary 2000/2001
  • Original Amount - £396.14
  • Current Balance - £114.14
  • Now been informed of CCJ issued but not recieved. In same letter they accept offer of £1 per month.
• Swalec Gas - Jan 2001
  • Gas supply arrears
  • Last Contact Dec 2001
  • Balance £88.26
• Cellnet - Dec 1998
  • Mobile Phone Bill
  • Last Contact Dec 1998
  • Balance £188.83
• Robinson, Way & Co - Welsh Water
  • Utility Bill Mar 2002
  • Last Contact Jul 2002
  • Balance £276.42
• AOL - Internet Services
  • Last Contact Mar 2006
  • Balance £24.99
• HSPF (Personal unsecured loan)
  • Personal Loan May 2008 - £3000
  • Repayment comittment £166.67 per month
  • Current Balance £2664
• Santander (GE Money)
  • Edge Store Card
  • Balance £648
• Egg (Credit Card)
  • Current Balance £1420
• Capital One (Credit Card)
  • Current Balance £260
• BT (Phone Services)
  • Services until - Sep 1999
  • Last Contact Apr 2000
  • Balance £177.67

I think that covers most of it..... :tinysmile_hmm_t2:

[TUTTSI]

Re: Quick Hello

Thank you Shaun,

From the brief look at the your debts I can see that some of them are well over 6 years old and if you have not been in communication with them they may well be statute barred.

RCTCB (Council Tax)
NEWYDD Housing
Swalec
Cellnet
Robinson Way
BT
Link Financial

Egg Credit Card, Capital One, GE Money and MBNA - do any of these have charges? If they do, do you have the statements?

Have any of your creditors issued you with legal proceedings?

What about a bank account do you have one at present?



Tuttsi