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Please help me.
I owe £3687.36 for an MBNA unpaid credit card debt (originally borrowing around £700) which was sold on to Arrow Global. Bryan Carter is handling the legal side for the creditor.
They got a CCJ against me, which I did not deal with - classically I have a bag of unopened brown envelopes.
I have been trying to care for my father and work on and off for around 10 years. The final straw came last March (2010) when he fractured his spine and needed 24 hour care. I was renting a flat at the time, but moved in to care for him in his council sheltered housing flat. While staying with him my own flat suffered a water leak and I became homeless and lost the majority of my clothes and what little possessions I had. I have been living in his sitting room ever since - just as well as he his back fracture again in August. He also has emphysema, pulmonary fibrosis, heart disease and osteoporosis.
I have been a full time carer since March 2010 on carer's allowance - stopped from his pension - and £40 odd quid income support.
They phoned my Dad's number and he unwittingly said I was staying here. Since then I have been in constant contact and have responded to all of the many text messages I have received and have written twice with a statement of my income etc - the last time by registered post. - and offered to pay £5 a month until I can work again.
They have ignored this and sent me a letter saying:
'YOUR ACCOUNT HAS BEEN REFERRED FOR ISSUE OF A WARRANT OF EXECUTION UNDER WARRANT NUMBER XXXX AT XXXX (my dad's address).
THE BAILIFF WILL NOW ATTEND AT YOUR PROPOERTY, WHICH MAY RESULT IN THE SEIZURE OF YOUR ASSETS AND/OR POSSESSION UNLESS YOU REPAY THE DEBT.
Payments can be accepted by debit cards and in some instances credit card.'
As said, I have offered to make a nominal payment until I am in a position to raise this. I have no savings and nothing to sell to give them more. I don't care what they do to me, but my dad is so poorly that I fear they may come while I am at the shops or something and scare him to death. I would move out on to the streets, but he needs me to look after him.
I know it sounds dramatic, but if it were not for the fact my dad needs me here and that it would make him worse, I would rather be dead. I am so tired and I can't bear the thought of being the cause of distress to my dad.
I spoke to the national debtline today and they were so helpful - I'd previously tried other so-called charities who obviously just wanted to sell me something. I have the forms to take to the court to ask them to adjust payments etc, but I am still so frightened the bailiffs will turn up and scare my dad before there is any ruling.
My Dad is only on state pension and pension credit and the most expensive thing in the whole house is the television he bought from Morrisons last year for £149.
Please help.
I owe £3687.36 for an MBNA unpaid credit card debt (originally borrowing around £700) which was sold on to Arrow Global. Bryan Carter is handling the legal side for the creditor.
They got a CCJ against me, which I did not deal with - classically I have a bag of unopened brown envelopes.
I have been trying to care for my father and work on and off for around 10 years. The final straw came last March (2010) when he fractured his spine and needed 24 hour care. I was renting a flat at the time, but moved in to care for him in his council sheltered housing flat. While staying with him my own flat suffered a water leak and I became homeless and lost the majority of my clothes and what little possessions I had. I have been living in his sitting room ever since - just as well as he his back fracture again in August. He also has emphysema, pulmonary fibrosis, heart disease and osteoporosis.
I have been a full time carer since March 2010 on carer's allowance - stopped from his pension - and £40 odd quid income support.
They phoned my Dad's number and he unwittingly said I was staying here. Since then I have been in constant contact and have responded to all of the many text messages I have received and have written twice with a statement of my income etc - the last time by registered post. - and offered to pay £5 a month until I can work again.
They have ignored this and sent me a letter saying:
'YOUR ACCOUNT HAS BEEN REFERRED FOR ISSUE OF A WARRANT OF EXECUTION UNDER WARRANT NUMBER XXXX AT XXXX (my dad's address).
THE BAILIFF WILL NOW ATTEND AT YOUR PROPOERTY, WHICH MAY RESULT IN THE SEIZURE OF YOUR ASSETS AND/OR POSSESSION UNLESS YOU REPAY THE DEBT.
Payments can be accepted by debit cards and in some instances credit card.'
As said, I have offered to make a nominal payment until I am in a position to raise this. I have no savings and nothing to sell to give them more. I don't care what they do to me, but my dad is so poorly that I fear they may come while I am at the shops or something and scare him to death. I would move out on to the streets, but he needs me to look after him.
I know it sounds dramatic, but if it were not for the fact my dad needs me here and that it would make him worse, I would rather be dead. I am so tired and I can't bear the thought of being the cause of distress to my dad.
I spoke to the national debtline today and they were so helpful - I'd previously tried other so-called charities who obviously just wanted to sell me something. I have the forms to take to the court to ask them to adjust payments etc, but I am still so frightened the bailiffs will turn up and scare my dad before there is any ruling.
My Dad is only on state pension and pension credit and the most expensive thing in the whole house is the television he bought from Morrisons last year for £149.
Please help.
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