Tweet
Re: Creditors driving me crazy
Further to everyones' brilliant replies and advice very much appreciated.
The PBS looks superb and I will use it and send to my creditors. Tnx
I send everything by recorded delivery. I check (Post Office Track and Trace site) the dates that each item has been delivered and then a few days later I check that the Postal Orders I used (per individual creditor) has been 'encashed' and on what date the creditor encashed it (CONTACT FOR THIS (free) SERVICE=01246-542091)
I don't answer any calls unless I recognise the number. If I am not sure who it is I use the call log to get details and Google the number!! Works a treat and reduces stress!!
Student Loan - only got one more £10.00 to pay. The loan is deferred but they added lots of charges - Requested (letter) removal of charges but no joy.
Here is some info:
BALANCES
Bank Loan £5894.00
Barclaycard £3357.49
Capital One CC £2639.08
Virgin CC £4232.90
Alliance&Leics £4584.90
Student Loan £1515.11
Council Tax Payment £120.00
TOTAL = £19704.40
I don't have PPI - I did have it with Virgin CC and when I needed to use it ( The first time I was made redundant) they were very awkward and obstructive. At that time I couldn't deal with the extra hassle as our employers went bust on the day we were due to be paid so I spent a frantic month pulling money in etc just in order to survive.
NatWest not being paid by Postal Order - they are allowing me to pay by DD
CCCS - some friends also said that they advise Bankrupcy too quickly
I would especially appreciate any advice at all on the All&Leics/Rockwell issue
Thank you
Further to everyones' brilliant replies and advice very much appreciated.
The PBS looks superb and I will use it and send to my creditors. Tnx
I send everything by recorded delivery. I check (Post Office Track and Trace site) the dates that each item has been delivered and then a few days later I check that the Postal Orders I used (per individual creditor) has been 'encashed' and on what date the creditor encashed it (CONTACT FOR THIS (free) SERVICE=01246-542091)
I don't answer any calls unless I recognise the number. If I am not sure who it is I use the call log to get details and Google the number!! Works a treat and reduces stress!!
Student Loan - only got one more £10.00 to pay. The loan is deferred but they added lots of charges - Requested (letter) removal of charges but no joy.
Here is some info:
BALANCES
Bank Loan £5894.00
Barclaycard £3357.49
Capital One CC £2639.08
Virgin CC £4232.90
Alliance&Leics £4584.90
Student Loan £1515.11
Council Tax Payment £120.00
TOTAL = £19704.40
I don't have PPI - I did have it with Virgin CC and when I needed to use it ( The first time I was made redundant) they were very awkward and obstructive. At that time I couldn't deal with the extra hassle as our employers went bust on the day we were due to be paid so I spent a frantic month pulling money in etc just in order to survive.
NatWest not being paid by Postal Order - they are allowing me to pay by DD
CCCS - some friends also said that they advise Bankrupcy too quickly
I would especially appreciate any advice at all on the All&Leics/Rockwell issue
Thank you
Comment