someoneelse vs GoDebt.co.uk the battle commences

[Amy]

Re: someoneelse-the battle commences

He used lots of words, terms and phrases I had no understanding of

I seriously doubt he had any understanding of them either.

He said he was acting on behalf of the CIT group for a laptop I'd bought 3 years ago.

Then you need to request the paperwork that shows they now own the debt.

The guy on the phone claimed they had written to my old address but this was the first attempt made to get in touch by telephone. He also had my new address which begs the question why not try writing there when there was no response from the old place?

You should have asked him and listened while he dug a deeper hole for himself.

The total debt is £1339.36. He said I needed to pay this NOW! His solution was that if I agreed to pay £1000 before the end of Feb that would settle the debt.

Wow, that is extremely generous of him. So he can just take a drop of nearly £340 just like that? How amazing.

It's almost an impossibility for me to pay it without going a month behind on rent and possibly restructuring a couple of my barclays loan payments (if they're willing).

Don't get behind on your rent. Your rent is a priority not the payment of a debt for a laptop.

I got the letter stating I'd agreed to pay £1000 from them in yesterdays post (sat 9th Feb). I was surprised it wasn't harshly worded or full of legal terms etc.

They think they have their money, that is why.

1. Having made the agreement, if I break it what would their next step likely be?

2. I've read the thread a couple of times now and I'm unsure whether this threat for them to make me bankrupt can actually be followed through by them? That's what the guy on the phone said. He seemed to appear as if he was doing me a favour by giving me 2 weeks! I'm angry now. So the question is, if I suddenly u-turn on the agreement what is the harshest course of action they could take, and how likely will they be to take it?

3. If the answer to the above is that yes, they can make me bankrupt what would the implications on my partner be. Obviously she brings in all the cash but all the bills still leave my own personal account. I transfer most of her monthly salary directly to my account on the day it's paid so DD's etc can be satisfied. Again, the guy on the phone seemed to suggest that considering I have no assets and no income at all (I don't claim anything from the government...not even tax credits) then it would impact onto my other half. We're not married btw. Been living together for 7 or 8 years. He was quite vague when he said her finances would be looked at though. It didn't seem to ring true.

4. What should I do!? In laymans terms if you can please because clearly I've been done up like a kipper already!

Get the paperwork from them first. Send them the CCA 1974 letter and see what they come back with, if anything.

Re: someoneelse-the battle commences

I have moved the three posts at the end of Sapphires thread so that your story has its own place. The title is not great so apologies for that, and if you want it changed either Private Message me or on of the Team members(they are the ones in Purple) and we can change it.

[someoneelse]

Re: GoDebt.co.uk - A Horror Story !!!!!!!!!

Thanks. I didn't expect a reply from anyone so quickly. Just hoping I can do something to ease the stress I'm under with this debt. Got no problem paying it, just need to do it over a longer period.

[calamity jane]

Re: GoDebt.co.uk - A Horror Story !!!!!!!!!

Hi Someoneelse. First of all welcome to Legal Beagles. I'm sorry I can't help with your problem , but someone should be along later or in the morning to advise you
of the best course of action.:okay: