Struggling and need some advice about debts

[Shazzy123]

Re: Struggling and need some advice about debts

Hello Shazzy,

The Council Tax is the most important of these debts are you making any payments at all? Has a Liability Order been made?

The Water bill (s) any payments being made at present.

LLoyds OD are charges /fees still being added? Do you know if the account has been defaulted?

I suggest that to get a picture of what the status of the " credit" debts that you check credit reference files Noddle is free online.

nem

[MENTION=55034]nemesis45[/MENTION]

hi,

i am making a payment of £40 per month towards this years bill and a contribution towards the debt. A liability order hasn't been made as far as I'm aware.

I pay towards my water bill via meter, but not towards the debts only towards this years bill.

No charges or fees have been added to my account since 2014. I'm not sure what defaulted means? I don't use the account anymore as I have a separate account for my benefits/wages to go in.

i can have a look at Noddle is it easy to use?

[Shazzy123]

Re: Struggling and need some advice about debts

Hello, Shazzy

So sorry to hear of your ordeal.

In contract law, you cannot be forced to sign its terms under duress/ un due influence (ie forced): Barton v Armstrong [1976] AC 104. In your situation it sounds more probable than not that he manipulated you into signing things in your name as prior to his death and for some 3/ 4 years you were in an abusive relationship, ie a genuine threat/ pressure existed: Alec Lobb (Garages) Ltd v Total Oil GB Ltd [1985]. Did you say to the creditors that you signed its terms under duress/ un due influence. What type of debts are they, ie are they bank loans, are they credit card debts. Financial institutions such as banks have a special duty to ensure you have been forced into any contracts: Royal Bank of Scotland plc v Etridge (No. 2) [2001] UKHL 44. For instance if a bank's staff member (ie TSB) is present when you put the contract in your own name they have a duty to make sure you're not forced: ibid Etridge. It's not enough to ask you if your ok going ahead the bank staff member is competent to a reasonable judgement call: Etridge

In terms of evidence, in the criminal case against your dead ex, did you have a lawyer present. Was there any evidence that he put the debt in your name or did your lawyer argue that you were unduly influenced/ under duress for the contracts and subsequent debts? Was it criminal proceeding for domestic abuse or civil proceeding, ie protection order type remedies? Or was it just criminal or both? I assume it failed because you couldn't prove domestic abuse to warrant a criminal conviction (given her attacked another lady whilst awaiting court hearing)?

Hi, one of them is an overdraft for a bank account. I did not but if that would help I'm willing to try anything.

I was was provided with a lawyer but I didn't get to speak to her directly until the day I went to court before I went in, the police offer said I didn't need my own, all my statements etc went directly though the DC in charge of my case. It was not a civil proceeding but a criminal proceeding, the term used wasn't domestic violence but I'd rather not type the word, but it was three counts of this and he was given a restraining order for threatening behaviour. They explained that it was proved not guilty because I didn't have enough evidence and he pleaded not guilty, they told me if I had of gone to hospital I would have the evidence required, but when he did that I wasn't allowed to leave the house never mind go to hospital. There was also no situational evidence because it was a year later I reported it.

[Shazzy123]

Re: Struggling and need some advice about debts

Hi Shazzy123,

I'm sorry to hear about your situation.

If you'd like me to take a look at the account with us, email me with your details via the form here: http://www.vodafone.co.uk/contact-form/. If the link doesn't work when you click on it, you'll just need to copy and paste it into your web browser.

To access the form you'll need to enter the code WRT135.

As well as stating your query in the question box, you'll also need to quote 'Legal Beagles'.

Once sent, you'll receive an automated reply with a reference number. Post back with this so I can make sure it's been received.

Kind regards,

Lee

Social Media Operations

Vodafone UK

hi lee,

ive filled in the form and am awaiting an automated reply I'll post the ref number as soon as I receive it.

[Celestine]

Re: Struggling and need some advice about debts

Shazzy - did you get my message? x

[PAWS]

Re: Struggling and need some advice about debts

Gosh Shazzy you got the big beagles fighting your corner! Best of the bunch replying to you there.
First of all take a big breath -you have come to the right place. You won’t be shoved on or referred to another department. There is no closing time and we never, ever judge. Not only will you get brilliant advice from experts but they will help you to sort this and I will tell you what -nothing, and I mean nothing feels so good as when you come out on top and know you took the problems and with a bit of advice you throttled them.
Now you have been through s**te -but remember you are still standing. Just take a look at what people in the same situation have achieved on here. We all have our story but honestly there is a future and your best days are yet to come. :dance:
Now I won’t tell you it is possible to make your debts disappear overnight and I am not saying that it is not going to be scary but you are not fighting alone, you are not in a hopeless situation and, hey, you have the finest and the best advising you so roll up those sleeves and together :grouphug:we will get through. In the meantime take a browse through similar cases on here and see just how good it feels when things get sorted.
This is the end of the world -the old painful messy world and the beginning of the bright new world.:thumb:

[Shazzy123]

Re: Struggling and need some advice about debts

Hello Shazzy,

The Council Tax is the most important of these debts are you making any payments at all? Has a Liability Order been made?

The Water bill (s) any payments being made at present.

LLoyds OD are charges /fees still being added? Do you know if the account has been defaulted?

I suggest that to get a picture of what the status of the " credit" debts that you check credit reference files Noddle is free online.

nem

Hi [MENTION=55034]nemesis45[/MENTION]

I've checked my account on Noddle and the lloyds debt isn't even showing? Neither is the council tax or water.

Its showing 2x defaulted credit debts:

Lowell : Vodaphone £779

and

Lowell: Studio £204

im not sure what defaulted means though? Nor why the others aren't there?

[Shazzy123]

Re: Struggling and need some advice about debts

Shazzy - did you get my message? x

Hi Celestine, I've just replied I'm very sorry I didn't realise I could receive inboxes.

[Shazzy123]

Re: Struggling and need some advice about debts

Gosh Shazzy you got the big beagles fighting your corner! Best of the bunch replying to you there.
First of all take a big breath -you have come to the right place. You won’t be shoved on or referred to another department. There is no closing time and we never, ever judge. Not only will you get brilliant advice from experts but they will help you to sort this and I will tell you what -nothing, and I mean nothing feels so good as when you come out on top and know you took the problems and with a bit of advice you throttled them.
Now you have been through s**te -but remember you are still standing. Just take a look at what people in the same situation have achieved on here. We all have our story but honestly there is a future and your best days are yet to come. :dance:
Now I won’t tell you it is possible to make your debts disappear overnight and I am not saying that it is not going to be scary but you are not fighting alone, you are not in a hopeless situation and, hey, you have the finest and the best advising you so roll up those sleeves and together :grouphug:we will get through. In the meantime take a browse through similar cases on here and see just how good it feels when things get sorted.
This is the end of the world -the old painful messy world and the beginning of the bright new world.:thumb:

Gosh i know I wasn't expecting much help I've just been passed from pillor to post so far, it's nice to know this amazing community is here! Deep breaths knowing there's support here. Thank you for your kind words.

I was was never expecting them to disappear, Im haply to pay if I need to I just resent paying for that utter awful person if I didn't need to. I just need time to sort my own finances out and it feels like I've got none sometimes.

Due to my mental health I've been known for hiding from my problems, usually crying in a ball until I forgdt about it, but enough is enough now I need this sorted fir my own wellbeing if nothing else!

[Kati]

Re: Struggling and need some advice about debts

Gosh i know I wasn't expecting much help I've just been passed from pillor to post so far, it's nice to know this amazing community is here! Deep breaths knowing there's support here. Thank you for your kind words.

I was was never expecting them to disappear, Im haply to pay if I need to I just resent paying for that utter awful person if I didn't need to. I just need time to sort my own finances out and it feels like I've got none sometimes.

Due to my mental health I've been known for hiding from my problems, usually crying in a ball until I forgdt about it, but enough is enough now I need this sorted fir my own wellbeing if nothing else!

Shazzy ... we're all friends here :nod: You're a survivor and you deserve to be happy!! We're all here for you

You're in good hands with Nem, DC, Lee, PAWS and Celestine xx

[Celestine]

Re: Struggling and need some advice about debts

Hi @nemesis45

I've checked my account on Noddle and the lloyds debt isn't even showing? Neither is the council tax or water.

Its showing 2x defaulted credit debts:

Lowell : Vodaphone £779

and

Lowell: Studio £204

im not sure what defaulted means though? Nor why the others aren't there?

So Lowell 'own' the Vodafone account now? So effectively all your 'worry' debts are with Lowell?

The council tax you are picking away at slowly and the waterbill is kind of on hold?

Default is the marker placed on your credit file to say the account terms were breached, defaults stay on for 6 years.

[Shazzy123]

Re: Struggling and need some advice about debts

Shazzy ... we're all friends here :nod: You're a survivor and you deserve to be happy!! We're all here for you

You're in good hands with Nem, DC, Lee, PAWS and Celestine xx

thank you so much for your help!

- - - Updated - - -

So Lowell 'own' the Vodafone account now? So effectively all your 'worry' debts are with Lowell?

The council tax you are picking away at slowly and the waterbill is kind of on hold?

Default is the marker placed on your credit file to say the account terms were breached, defaults stay on for 6 years.

Yes both my worry debts are with Lowell. I'm slowly working my way though my council tax and my water bill is waiting. My only other worry was the lloyds debt but it's not showing up in either open or closed?

[Celestine]

Re: Struggling and need some advice about debts

I'm pleased to hear that both 'worry' accounts are with Lowell Portfolio because they have responded very supportively to my contact with them today. They have a vulnerable cases team and have a good track record of intervening positively when they are alerted to a genuinely difficult and vulnerable case.

I'm so glad that you chose to share your worries, as the saying goes, 'A worry shared is a worry halved'. Well hopefully with us lot behind you and a very lovely lady at Lowell Portfolio we will reduce that worry to much less than halved!

Sleep well xxx

[Shazzy123]

Re: Struggling and need some advice about debts

I'm pleased to hear that both 'worry' accounts are with Lowell Portfolio because they have responded very supportively to my contact with them today. They have a vulnerable cases team and have a good track record of intervening positively when they are alerted to a genuinely difficult and vulnerable case.

I'm so glad that you chose to share your worries, as the saying goes, 'A worry shared is a worry halved'. Well hopefully with us lot behind you and a very lovely lady at Lowell Portfolio we will reduce that worry to much less than halved!

Sleep well xxx

Thank you! Thank you so much! I'm literally crying here you're being such an amazing help!

[Celestine]

Re: Struggling and need some advice about debts

Arghh...now you've set me off!
We just can't imagine how tough its been for you and want to see the next stage of your life made a bit easier. xxx

[Shazzy123]

Re: Struggling and need some advice about debts

Arghh...now you've set me off!
We just can't imagine how tough its been for you and want to see the next stage of your life made a bit easier. xxx

Aw no don't get upset over me

thanks for everything.

Did lowell get back to you?