Help Needed With Bryan Carter & Co

[silverdel]

Hi, I need some help and guidance in trying to resolve the issues i have with Carter& Co, this company has two seperate charges on my home, I was until the end of July in employment but due to ill-health and caring for my wife who has mental heath problems, we receive £94 per week in benefits, our mortgage is over £400 pcm,interest only, FirstPlus is another headache £420.11 pcm.
Carters will not accept that I am unable to pay them and are issuing threats of us having to sell our home, the debts to Carters is around £12000, of course these are not our only debts, we did with the help of the CAB set up a repayment plan, Carters never accepted the plan by the way, but obviously I no longer am able to work and the creditors are all saying that because we can not keep to the repayment plan this means the debt is now active and all interest will be added.
Any help or guidance would be appreciated, if you require more information in helping me then please ask. Thanks

[Curlyben]

Re: Help Needed With Bryan Carter & Co

Oh Mr C my favourite "solicitors".

Sorry to hear about your predicament, now lets see what we can do.

Could we please have some more details concerning these charges Mr C has.
What where they originally for and what was the judgement.

[Sapphire]

Re: Help Needed With Bryan Carter & Co

Hiya Silverdel.

Welcome to Beagles you are on the first step of getting sorted out here hun.

Firstly please can you make a list of ALL your debts, and then take a look on www.entitledto and check to see if you are getting all the benefits that you can receive.

[silverdel]

Re: Help Needed With Bryan Carter & Co

Thanks, Mr C has two charges A) £6302.97, B)6409.58, the origonal debt was to MBNA Credi Card.

[Curlyben]

Re: Help Needed With Bryan Carter & Co

When did they get these charges and what was the judgement payment on them ?

[silverdel]

Re: Help Needed With Bryan Carter & Co

List of All Debts.
6302.97 Carter&Co,6409.58 Carter & Co, 4221.63 IQOR. 919.52 Cohen & Co,2897.33 BlackHorse,4816.75 Hillsdean, 1136.80 0CL Finance, 919.52 Cl Finance, 426.0 Aktiv Kapita,3842.66 EOS,3043.64RBOS,5357.00Intrium Justita, 5450.00 RBOS,1700.00 Lin
All of these were being paid, apart from the MR C & co from bydget plan of 41.00 pcm
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When did they get these charges and what was the judgement payment on them ?

Charges was made on 21/2/2007, and the payments were for £40 and£20 respevtively

[Sapphire]

Re: Help Needed With Bryan Carter & Co

Okies Silverdel,

Please can you let us know if you are paying any of these at all, and what payment agreement you have with them ?

[silverdel]

Re: Help Needed With Bryan Carter & Co

At the present time nop repayments are possible, see first post.

[Curlyben]

Re: Help Needed With Bryan Carter & Co

Just reorganising things a little.

DCA's
6302.97 Carter&Co,
6409.58 Carter & Co,
4221.63 IQOR.
919.52 Cohen & Co,
4816.75 Hillsdean,
1136.80 CL Finance,
919.52 Cl Finance,
426.00 Aktiv Kapita,
3842.66 EOS,
5357.00 Intrium Justita,



OC
2897.33 BlackHorse,
3043.64RBOS,
5450.00 RBOS,

Who is:
1700.00 Lin ??

Could I ask for a quick break down of who all the DCA's are collecting for ?

I'll leave the OC's for the others.
Now this WILL involve quite a bit of work, but will be rewarding in the end and will also be excellent for personal morale.


Ps DCA's are my speciality

[silverdel]

Re: Help Needed With Bryan Carter & Co

Carters 4 MBNA, Iqor 4 Halifax, Cohen 4 GE money, ClFinance 4 GEMoney,Hillsdean 4 Mbna,Aktiv 4 Harveys, Intrium 4 Tesco

[Curlyben]

Re: Help Needed With Bryan Carter & Co

And Lin ??

[silverdel]

Re: Help Needed With Bryan Carter & Co

Sorry link Financial 4 MBNA

[Curlyben]

Re: Help Needed With Bryan Carter & Co

Anyway, the time to grab control is NOW.

Have a good read through this thread: Consumer Credit Agreements - A Guide - Legal Beagles as we will be employing the Consumer Credit Act 1974 with ALL of the DCA's. It all looks daunting now, but believe me you are in the best of hands for this.

As for Mr C's CO, what did the judgement say about payments ?

Any questions feel free to ask.

[Sapphire]

Re: Help Needed With Bryan Carter & Co

Silverdel you have Curly on your side and he just lurrrrrveeees DCA's and likes to tie them in knots let him guide you through the CCA.

In the meantime when you get a spare moment, are there any charges on these that we can possibly claim back ?

[silverdel]

Re: Help Needed With Bryan Carter & Co

The origonal payments relating to Carters was for £395 pcm but the Judgement was suspended as long as I paid £40, £20 pcm respectively, I would also add that Hillsdean who act also 4 MBNA have a charge on my home.
As far as charges the credit card debts and loans etc ALL have costs and charges for letters and missed payments, unfortunately I do not have any origoanl documents from the initial creditors,
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Curlyben, Just read the thread and now feel that I am not all on my own with these sharks