hi

[adam30]

hi all

been recommend this forum for great advice on a couple of situations i need to overcome.

my name is adam and from london

ive actually been trying to start a new post in the debt collection forum but am unable to, can some one pls advise?

many thanks

adam

[Celestine]

Re: hi

Hi Adam

Sorry your struggling to post in the debt forum, I've had to restrict new members from starting threads there due to an influx of spammers. Post your query here and I will move the thread over to debt for you.

Welcome to Legal Beagles :beagle:


Cel x

[adam30]

Re: hi

Many thanks for the reply, i understand what you mean about spammers.

I have 2 situations which i need advice on...

Problem 1.
Debt with halifax credit card which is now being represented by offices of wescot.
Original debt some 3 years ago was about £9800, i have now paid this down to £3000 but have recently been unemployed since end of march. Halifax have put me on a reduced payment plan of £50 a month for 6 months, they have now passed this matter on to wescot. I would like to write wescot a letter and ask them to accept say £1000 or less as a final payment and then write off the remainder. My son is willing to make this payment on my behalf. How likely is this, do wescot accept reduced final payments and if so what percentage should i make a offer with? I would like the final amount to be as low as possible but also realistic in terms of a viable agreement.

Problem 2.

I owe the IR some 24k, i have been paying them in monthly amounts for a good 3 years now and the above amount is now what is outstanding. I was told that the IR may write off some of this amount if i can prove i am in hardship, do you know if this is true and if so, can someone pls point me in the right direction for info?
The debt originates from a goodbye payment on the business that i ran, i was a sub post office manager. A few years ago, the government decided in their wisdom to close many sub post office through the country, we were hit by this and the payment given was taxable. This tax amount was not made clear to me mainly due to my lack of business acumen and the PO being somewhat ambiguous on the details. I have since spent this goodbye payment on my mortgage and unsuccessfully appealed the amount owed to the IR. This took a few years and finally resulted in an amount owing, interest and late fees from the IR.

My local IR office have been very good and reasonable with me in terms of a payment plan and i have never missed a payment in the last 3 years but circumstances have now changed and i am looking to pursue an alternative.
Can anyone please advise?
Thank you

Adam