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Debt collectors bombarding me with calls/letters. Any help/advice please?
Hi,
I could really do with some help and advice on my present situation. I apologize in advance for the long post.
I have read many, many posts on here and have seen you all give fantastic help and advice. I hope you will be kind enough to do the same for me.
The background to my situation, beginning around 10 years ago is - Abusive ex, both physically and mentally.Consequently, the abuse has left me with on going mental health problems including nervous depression.I also became dependant on alcohol,although I have not touched a drop for nearly 3 years and would like to keep it that way. To top it all, I was left with all the debts, ALL in my name.
Anyway,I moved closer to my parents,found myself job and began to put my life back together. Then about two years ago, I applied for my credit report. It was the worst thing I could have done. Since then, I have been bombarded by various debt collection agency's, with threatening letters demanding 'immediate payment' and countless threats of one kind or another and constant phone calls from morning to late evening (which I don't answer now). I have buried my head in the sand and have never acknowledged any of these debts, but It is begining to make me ill again.
I shredded all the letters as I kept re reading them and getting in a state. The ones I have kept are for two debts to NatWest. They are as follows-
Dec 2011, two letters from NatWest telling me they have sold a debt of £2245.46 and a debt of £1605.23 to Capquest. Two letters from Capquest (same date on all letters) confirming both Debts purchased from NatWest.
Jan 2012, two letters from Capquest regarding both of the above debts, both saying 'debt had been purchased from NatWest, account being processed for legal action but account has been 'pre-selected for a one time solution to settle account' They will pay an amount equal to 30% of my payment'. Although I am lucky enough to have a job, I did not and do not have, the money to pay them, so I didn't reply.
July 2012, letter from bpo collections 'Formal Notice-Do Not Ignore' (bold red writing). Our client (Capquest), has instucted us to recover oustanding amount of £1605.23. To avoid Legal Proceedings (bold lettering)we require immediate repayment...no later than 01 August 2012 (bold)...Failure will leave no alternative but to recommend Legal Action or a Home Visit (bold again)...action may seriously affect ability to obtain credit in future (bold). I would never consider credit ever again!
Sep2012, letter from ccscollect 'Legal department', Re: Capquest Debt Recovery Ltd Ammount £2245.46,saying ' account has been selected for action by thier legal partners HL Solicitors by 22/9/12 and legal action may be commenced in County Court...additional claims for legal costs and interest on amount outstanding.
On Thursday 01 Nov 12, I received a letter from Credit Security Limited, 'DEBT ENFORCEMENT OFFICE' (in red) re:Commercial Collection Services-Capquest/National Westminster Bank saying, 'we have been instructed by our Client to recover the above outstanding debt £2245.46.Unless valid reason...settlement required within seven days.
I panicked!!!! Went on Noddle and read my credit report again (they all have my address and phone number now anyway) I went into a decline...There are 5 debts, about £8000 in total!!! The default dates are between January and November 2007 for them all.
I am terrified that I will now have people knocking on my door for money, that I do not have, to give them. I will end up in court, or worse-pick up a flippin drink!
Thank you for reading this long post. I would be very,very grateful for any help, advice or guidance as to what you may suggest is the best way forward for my situation.
Many thanks. T&W
I could really do with some help and advice on my present situation. I apologize in advance for the long post.
I have read many, many posts on here and have seen you all give fantastic help and advice. I hope you will be kind enough to do the same for me.
The background to my situation, beginning around 10 years ago is - Abusive ex, both physically and mentally.Consequently, the abuse has left me with on going mental health problems including nervous depression.I also became dependant on alcohol,although I have not touched a drop for nearly 3 years and would like to keep it that way. To top it all, I was left with all the debts, ALL in my name.
Anyway,I moved closer to my parents,found myself job and began to put my life back together. Then about two years ago, I applied for my credit report. It was the worst thing I could have done. Since then, I have been bombarded by various debt collection agency's, with threatening letters demanding 'immediate payment' and countless threats of one kind or another and constant phone calls from morning to late evening (which I don't answer now). I have buried my head in the sand and have never acknowledged any of these debts, but It is begining to make me ill again.
I shredded all the letters as I kept re reading them and getting in a state. The ones I have kept are for two debts to NatWest. They are as follows-
Dec 2011, two letters from NatWest telling me they have sold a debt of £2245.46 and a debt of £1605.23 to Capquest. Two letters from Capquest (same date on all letters) confirming both Debts purchased from NatWest.
Jan 2012, two letters from Capquest regarding both of the above debts, both saying 'debt had been purchased from NatWest, account being processed for legal action but account has been 'pre-selected for a one time solution to settle account' They will pay an amount equal to 30% of my payment'. Although I am lucky enough to have a job, I did not and do not have, the money to pay them, so I didn't reply.
July 2012, letter from bpo collections 'Formal Notice-Do Not Ignore' (bold red writing). Our client (Capquest), has instucted us to recover oustanding amount of £1605.23. To avoid Legal Proceedings (bold lettering)we require immediate repayment...no later than 01 August 2012 (bold)...Failure will leave no alternative but to recommend Legal Action or a Home Visit (bold again)...action may seriously affect ability to obtain credit in future (bold). I would never consider credit ever again!
Sep2012, letter from ccscollect 'Legal department', Re: Capquest Debt Recovery Ltd Ammount £2245.46,saying ' account has been selected for action by thier legal partners HL Solicitors by 22/9/12 and legal action may be commenced in County Court...additional claims for legal costs and interest on amount outstanding.
On Thursday 01 Nov 12, I received a letter from Credit Security Limited, 'DEBT ENFORCEMENT OFFICE' (in red) re:Commercial Collection Services-Capquest/National Westminster Bank saying, 'we have been instructed by our Client to recover the above outstanding debt £2245.46.Unless valid reason...settlement required within seven days.
I panicked!!!! Went on Noddle and read my credit report again (they all have my address and phone number now anyway) I went into a decline...There are 5 debts, about £8000 in total!!! The default dates are between January and November 2007 for them all.
I am terrified that I will now have people knocking on my door for money, that I do not have, to give them. I will end up in court, or worse-pick up a flippin drink!
Thank you for reading this long post. I would be very,very grateful for any help, advice or guidance as to what you may suggest is the best way forward for my situation.
Many thanks. T&W
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