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martin dy2
Starting Member
United Kingdom
6 Posts |
 Posted - 15 March 2010 : 13:27:02
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**** day 27 default notices from kays  feels like i'm drowding ina river of debt today, also just foudn out I've lost the help I thought I had towards BR costs...
any advice welcome..
martin |
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gettingoutofdebt
forum expert
2418 Posts |
Posted - 15 March 2010 : 15:00:51
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| What was the help towards the BR costs? Was this as a result of benefits you are on or something else? |
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Richard P
Senior Member
United Kingdom
1701 Posts |
Posted - 15 March 2010 : 15:41:48
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Hi martin
congratulations on a high number of default notices !
Do you have 27 seperate accounts with Kays or has their computer system gone off at a tangent.
Are the default notices just saying that they have closed your accounts and that they will in some time in the future go to court. the emphasis on some time in the future.
If they have a court date they are slightly more urgent notices.
Dont think that Kays are one of the creditors who will go to court and make people BR, they just prefer to hastle people with letters and phone calls. (can always ask if they will contribute to BR fees).
If you have lost your help speak to CAB or one of the experts listed to the left
regards Richard
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Housing
Senior Member
United Kingdom
1399 Posts |
Posted - 15 March 2010 : 18:50:32
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Hi
The catelogue firms are notorious for threats - Very (Littlewoods) are about the worst that I know - my wife (who is not BR) is trying to battle with them at the moment.
If they are really sending out that much confetti - a word in th ear of the Ombudsman is worth looking into...
Good luck, Richard
quote:
Originally posted by Richard P
Hi martin
congratulations on a high number of default notices !
Do you have 27 seperate accounts with Kays or has their computer system gone off at a tangent.
Are the default notices just saying that they have closed your accounts and that they will in some time in the future go to court. the emphasis on some time in the future.
If they have a court date they are slightly more urgent notices.
Dont think that Kays are one of the creditors who will go to court and make people BR, they just prefer to hastle people with letters and phone calls. (can always ask if they will contribute to BR fees).
If you have lost your help speak to CAB or one of the experts listed to the left
regards Richard
"There are no problems - only solutions" |
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martin dy2
Starting Member
United Kingdom
6 Posts |
Posted - 16 March 2010 : 09:52:36
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27 different notcies of extented term agrements, all saying I have to pay by..... lol it can't happen I have around £40 right now to my name :O(
I had help from a family member who was going to pay the BR fee's for me this now can't happen so I have to try and get the money from elsewhere.
anyone game for robbing a bank let me know...... I will keep you all informed on how this goes on. As of April this year I am stopping any payments to my debts I then need to get the court date in place them hope I can somehow raise the £600 for BR
have a gd day
Martin |
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Housing
Senior Member
United Kingdom
1399 Posts |
Posted - 16 March 2010 : 10:11:00
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Martin
Have you sought any advice as yet on BR?(sorry if I have missed this on an earlier post)
It seems to me that that is your first step - do you have assets (car/property)
A call to one of the insolvency experts that post here will help you get the clear thought processes you need to move forward
Good luck, Richard
quote:
Originally posted by martin dy2
27 different notcies of extented term agrements, all saying I have to pay by..... lol it can't happen I have around £40 right now to my name :O(
I had help from a family member who was going to pay the BR fee's for me this now can't happen so I have to try and get the money from elsewhere.
anyone game for robbing a bank let me know...... I will keep you all informed on how this goes on. As of April this year I am stopping any payments to my debts I then need to get the court date in place them hope I can somehow raise the £600 for BR
have a gd day
Martin
"There are no problems - only solutions" |
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martin dy2
Starting Member
United Kingdom
6 Posts |
Posted - 17 March 2010 : 12:21:21
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phoned courts got forms on there way, what details will I need for them?
My assetts, what can I keep, what do I have to sell? car? belongings? pension? fridge? food?
any help would be good right now. I have sopken to a local guy who lends money so I might be able to get the 600£ fee's but I do like my legs!
any help would be greatful as I am in deep s£!t and not sure which way to turn now.
tia
martin
quote:
Originally posted by Housing
Martin
Have you sought any advice as yet on BR?(sorry if I have missed this on an earlier post)
It seems to me that that is your first step - do you have assets (car/property)
A call to one of the insolvency experts that post here will help you get the clear thought processes you need to move forward
Good luck, Richard
quote:
Originally posted by martin dy2
27 different notcies of extented term agrements, all saying I have to pay by..... lol it can't happen I have around £40 right now to my name :O(
I had help from a family member who was going to pay the BR fee's for me this now can't happen so I have to try and get the money from elsewhere.
anyone game for robbing a bank let me know...... I will keep you all informed on how this goes on. As of April this year I am stopping any payments to my debts I then need to get the court date in place them hope I can somehow raise the £600 for BR
have a gd day
Martin
"There are no problems - only solutions"
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RHB
Senior Member
1159 Posts |
Posted - 17 March 2010 : 13:48:55
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| I certainly would NOT borrow any money from a loan shark or anywhere else now. Sit tight, if you have somethhing you could sell to get the fees do so, if not you will have to save it up as best you can. |
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Housing
Senior Member
United Kingdom
1399 Posts |
Posted - 17 March 2010 : 19:57:31
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Hi
Same advice - DO NOT even think about a money lender (loan shark)
Like going from the frying pan...
Why not speak to one of the insolvency experts that post here?
Good luck, Richard
quote:
Originally posted by RHB
I certainly would NOT borrow any money from a loan shark or anywhere else now. Sit tight, if you have somethhing you could sell to get the fees do so, if not you will have to save it up as best you can.
"There are no problems - only solutions" |
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jono
Starting Member
United Kingdom
13 Posts |
Posted - 18 March 2010 : 11:13:54
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Hi,
As our car was worth more than 2k, we sold it and purchased a cheaper car whilst leaving enough money to pay BR fees.
Please do not go to a loan shark! you will make matters worse. I also think the OR will frown upon this as you are supposed to regret ever obtaining credit!
Jono
To know the road ahead, ask those coming back. |
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Topic |
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27 defualt notices on one day....
