PLEASE HELP - Cap1, Cabot & Mortimer Clarke

[Cosmic Kitty]

Re: PLEASE HELP - Cap1, Cabot & Mortimer Clarke

Can you say what the total debt you owe is? and your husband?

I have no idea of the total amount of debts I'm afraid :/ We had to throw away a box of paperwork when we moved home as the property was so full of damp it made the paperwork mouldy so I wont have some of figures to calculate :tinysmile_cry_t: but luckily we do have some but its mainly from Lowells relentlessly chasing the same old debts over and over again with the odd utility bill.

[Debt Camel]

Re: PLEASE HELP - Cap1, Cabot & Mortimer Clarke

Mouldy old debts

For the credit cards and loan ones its worth looking on your credit records.

[Cosmic Kitty]

Re: PLEASE HELP - Cap1, Cabot & Mortimer Clarke

Mouldy old debts
:laugh: They sure are :laugh:

For the credit cards and loan ones its worth looking on your credit records.

I have thought about that but I'm always dubious that if I contact the credit agencies it will alert all debts and we will get flooded with letters?

[Cosmic Kitty]

Re: PLEASE HELP - Cap1, Cabot & Mortimer Clarke

[MENTION=55034]nemesis45[/MENTION] Please can I ask what you think is lightly to happen next now that I have sent off the CCA Letter and postal order off to Cabot Financial?

[nemesis45]

Re: PLEASE HELP - Cap1, Cabot & Mortimer Clarke

@nemesis45 Please can I ask what you think is lightly to happen next now that I have sent off the CCA Letter and postal order off to Cabot Financial?

Cabot ha 12 + 2 Working Days to comply failure so to do renders the debt unenforceable Until the agreement is supplied.
Cabots usual trick is so say they need 40 days to comply, which is nonsense and can be dealt with if / when it happens.

A check your credit files it's only when you change something that some on else can see that you have been active on the files.

nem

[Openlaw15]

Re: PLEASE HELP - Cap1, Cabot & Mortimer Clarke

Thank you for the link

Do you have agoraphobia ie you do not appear to be able to leave your home without assistance, are you on an ESA related benefit at all? You sure you're on the right benefits?

[Debt Camel]

Re: PLEASE HELP - Cap1, Cabot & Mortimer Clarke

I'm always dubious that if I contact the credit agencies it will alert all debts and we will get flooded with letters?

Creditors can't see if you have just checked your files.

If you have moved around a lot and one address hasn't been linked to the other ones, then if any debts are just "at that old address" you locating them is likely to cause a link to you current address. But the linking software is pretty good these days and you obviously have't dropped if the radar completely, so my guess is your creditors already know where you live...

I think you have to tackle this larger debt problem somehow. You can't live with such large priority debts or such a big deficit budget. The unsecured debts really don't matter in this scale of things, except that they are stressful to try to resolve. I think the top priority has to be getting a complete list of your debts so you can see if either of you is under £20,000 and so a simple, cheap DRO would get rid of that persons problem.

If one or both or you have to go bankrupt, then you need to find ways of getting the bankruptcy fees together. This doesn't have to be both at the same time, the person with the highest debts can "go first". See http://debtcamel.co.uk/help-with-bankruptcy-fees/ for ways to get the fees.

[Cosmic Kitty]

Re: PLEASE HELP - Cap1, Cabot & Mortimer Clarke

Cabot ha 12 + 2 Working Days to comply failure so to do renders the debt unenforceable Until the agreement is supplied.

Cabots usual trick is so say they need 40 days to comply, which is nonsense and can be dealt with if / when it happens.

A check your credit files it's only when you change something that some on else can see that you have been active on the files.

nem

Thanks for your reply nemesis - Guess its just a waiting game now for a couple of weeks. I will update the post when I receive a reply - Thanks again

[Cosmic Kitty]

Re: PLEASE HELP - Cap1, Cabot & Mortimer Clarke

Do you have agoraphobia ie you do not appear to be able to leave your home without assistance, are you on an ESA related benefit at all? You sure you're on the right benefits?

Hi Openlaw, I've never heard of agoraphobia before, so I don't think so - Since moving last June, I have not been to see a doctor because my old surgery is now over 27 miles away and I'm petrified of meeting a new doctor as I have issues trusting & meeting new people face to face.
My husband suffers with Arthritis and needs some more medication so 2 weeks ago he convinced me to submit the paperwork to join the nearest surgery, but it all got too much for me and I stood at the reception desk crying like a fool partly through nerves and partly because it gave final closure to the old surgery I had been with for many years and the only one doctor that I trusted to talk to :'( :'(

[Cosmic Kitty]

Re: PLEASE HELP - Cap1, Cabot & Mortimer Clarke

Creditors can't see if you have just checked your files.

If you have moved around a lot and one address hasn't been linked to the other ones, then if any debts are just "at that old address" you locating them is likely to cause a link to you current address. But the linking software is pretty good these days and you obviously have't dropped if the radar completely, so my guess is your creditors already know where you live...

Oh I see, that explains it now - when I last did a credit search, debts that had been quite for a while all sprung into action .... Thank you so much for explaining that to me in a way I understand, I get confused really easily but your explanation finally made the penny drop lol.

I think you have to tackle this larger debt problem somehow. You can't live with such large priority debts or such a big deficit budget. The unsecured debts really don't matter in this scale of things, except that they are stressful to try to resolve. I think the top priority has to be getting a complete list of your debts so you can see if either of you is under £20,000 and so a simple, cheap DRO would get rid of that persons problem.

I still have some old business matters to complete for HMRC but once that is done, I will look into the dreaded box of debts paperwork and try to tally everything up - Do I include any already Statue Barred bills into the final total?

If one or both or you have to go bankrupt, then you need to find ways of getting the bankruptcy fees together. This doesn't have to be both at the same time, the person with the highest debts can "go first". See http://debtcamel.co.uk/help-with-bankruptcy-fees/ for ways to get the fees.
I will have a look into this - Thanks for the link.

Thank you so much for your help and advice Debt Camel, I really appreciate it

[Openlaw15]

Re: PLEASE HELP - Cap1, Cabot & Mortimer Clarke

Hi Openlaw, I've never heard of agoraphobia before, so I don't think so - Since moving last June, I have not been to see a doctor because my old surgery is now over 27 miles away and I'm petrified of meeting a new doctor as I have issues trusting & meeting new people face to face.
My husband suffers with Arthritis and needs some more medication so 2 weeks ago he convinced me to submit the paperwork to join the nearest surgery, but it all got too much for me and I stood at the reception desk crying like a fool partly through nerves and partly because it gave final closure to the old surgery I had been with for many years and the only one doctor that I trusted to talk to :'( :'(

I am so sorry that you're having your own personal battles never mind the debt problems. Agoraphobia is a mental health medical condition that relates to anxiety. It effect is that the person cannot leave their home (outdoors) owing to anxiety (fear of meeting new people, new places etc), except with someone else possibly. Symptoms: panic, very nervous, fear, feelings of choking, rapid heartbeat, to name a few. So persons affected stay indoors in the safety of their home. Are you of employment age, ie except for your medical problems could you work? If you're of employable age but too sick to work, you should be claiming benefits such as the former Incapacity Benefit, now called, 'Employment and Support Allowance (ESA). Listen, you are not a fool and do not blame yourself for being the way you are. Sod what anyone else thinks. Doctors these days are well aware of anxiety and stuff, so do not be afraid to confide in them. I remember working for Citizens Advice Bureau and this lady was in your situation, i was manning reception at the time. The poor thing was just a nervous wreck but had to put on a fake personality to the world including her husband, whom she was too afraid to tell of her problems. It was then I suggested to my boss, listen CAB needs to do outreach to save these persons coming here for advice for debts etc but whose mental health is too bad to do so. Things have changed now with all the Tory cuts, ie CAB is available on the phone and in person, I think. My point is though you're not by yourself. Do some online searches for agoraphobia and chat forums. You will meet people like yourself and you can all encourage each other.

[Debt Camel]

Re: PLEASE HELP - Cap1, Cabot & Mortimer Clarke

[MENTION=77627]Openlaw15[/MENTION] it is unlikely she can claim ESA (income based) because her husband is working.
ESA (contributions based) is possible but she would have had to have paid enough Class 1 or 2 national insurance contributions (ie not self employment) in at least one of the last two complete tax years before the year in which the claim started.

[Debt Camel]

Re: PLEASE HELP - Cap1, Cabot & Mortimer Clarke

include statute barred bills into the final total?

That is a trickier question than you might think. See http://www.i-m-a.org.uk/wp-content/u...rred-debts.pdf. The debt adviser that looks at setting up your DRO will be able to discuss this in detail.

[Cosmic Kitty]

Re: PLEASE HELP - Cap1, Cabot & Mortimer Clarke

I am so sorry that you're having your own personal battles never mind the debt problems. Agoraphobia is a mental health medical condition that relates to anxiety. It effect is that the person cannot leave their home (outdoors) owing to anxiety (fear of meeting new people, new places etc), except with someone else possibly. Symptoms: panic, very nervous, fear, feelings of choking, rapid heartbeat, to name a few. So persons affected stay indoors in the safety of their home.Are you of employment age, ie except for your medical problems could you work? If you're of employable age but too sick to work, you should be claiming benefits such as the former Incapacity Benefit, now called, 'Employment and Support Allowance (ESA). Listen, you are not a fool and do not blame yourself for being the way you are. Sod what anyone else thinks. Doctors these days are well aware of anxiety and stuff, so do not be afraid to confide in them. I remember working for Citizens Advice Bureau and this lady was in your situation, i was manning reception at the time. The poor thing was just a nervous wreck but had to put on a fake personality to the world including her husband, whom she was too afraid to tell of her problems. It was then I suggested to my boss, listen CAB needs to do outreach to save these persons coming here for advice for debts etc but whose mental health is too bad to do so. Things have changed now with all the Tory cuts, ie CAB is available on the phone and in person, I think. My point is though you're not by yourself. Do some online searches for agoraphobia and chat forums. You will meet people like yourself and you can all encourage each other.

Thank you so much for your reply Openlaw15, I really appreciate it
When it approaches a time where I need to leave the house, I begin to get very abrupt and snappy. I start to rush as if I'm wired to the mains then I start to withdraw and slow right down in actions and words - Its almost like someone keeps hitting the fast forward button followed by slow motion :/ Once I'm out I can either become panicky and sweat profusely, which then make me excessively paranoid that people are staring and laughing at me, which is made worse as I very large and I fear people are just thinking you fat moo OR I will become excessively defensive and if someone enters my personal space, I explode into a rant .... It's terrible to feel like this and I'm so unpredictable, I really do feel so trapped and alone at time :'( My abilities to cope comes in short bursts, I have times when I can cope like now but weeks later I implode and the depression takes grip making me feel utterly useless - I feel so very sorry for my husband & daughter as I must be a complete nightmare to live with - They both deserve a medal putting up with me, I feel so guilty they have to live with my issues on a daily basis .
I'am only in my mid 30's, so yes if I didn't suffer with my daily struggles, I would be in employment. I have always been under the impression that because my husband works, I am not eligible to make a claim for benefits as they take his wage into account as the household income?
Thank you so much for your encouragement and sharing you experience in trying to help others, I really do appreciate it - I will look into those on-line chat groups and see if I feel comfortable enough to join - This is the first forum I have ever joined and it was more of a case of needs must rather than a choice lol but I'm glad I did as there is some lovely helpful people on here
Thank you.

[Cosmic Kitty]

Re: PLEASE HELP - Cap1, Cabot & Mortimer Clarke

@Openlaw15 it is unlikely she can claim ESA (income based) because her husband is working.
ESA (contributions based) is possible but she would have had to have paid enough Class 1 or 2 national insurance contributions (ie not self employment) in at least one of the last two complete tax years before the year in which the claim started.

That is the impression I had too - Unfortunately I haven't worked since we closed the business down almost 6 years ago, so I definitely haven't paid any national insurance contributions within the last two years.