Search
 
 

Display results as :
 


Rechercher Advanced Search

Latest topics
» \derbyshire Po-lice's Turn
by assassin Today at 2:01 am

» More Smart Meter - The New Scam
by freeland Today at 1:46 am

» Advice needed for dealing with a dca
by danta007 Yesterday at 10:07 pm

» CCJ circa 2013 vs Santander, now Cabot/Mortimer Clarke chasing
by waylander62 Yesterday at 8:14 pm

» Food Fairs
by daveiron Yesterday at 6:39 pm

» Raconteurs News and Sol Excalibre
by eargoggles Yesterday at 2:42 pm

» Sister owes creation finance £20000
by waylander62 Yesterday at 12:24 pm

» Halifax overdraft victory!
by waylander62 Mon Jan 21, 2019 9:40 pm

» Threatened bankruptcy proceedings
by ande Mon Jan 21, 2019 8:26 pm

» sol excalibre with cookiemonster
by Society of the Spectacle Mon Jan 21, 2019 7:41 pm

» EU and Common Law
by assassin Mon Jan 21, 2019 6:49 pm

» Old member of GOODF
by assassin Mon Jan 21, 2019 2:17 am

» DWP taking alleged JSA overpayment from 2013 from my State Pension and ignored letter asking for details and to stop
by davidg4039 Sun Jan 20, 2019 5:32 pm

» Police search warrents
by daveiron Sun Jan 20, 2019 1:46 pm

» remedy for P.C.N/COUNCIL TAX
by daveiron Sat Jan 19, 2019 3:02 pm

» Robinson way success
by nautilous Sat Jan 19, 2019 10:20 am

» Ceylon
by Mrblue2017 Sat Jan 19, 2019 8:37 am

» Introducing
by freeland Sat Jan 19, 2019 2:14 am

» posting a reply
by freeland Sat Jan 19, 2019 2:12 am

» BBC name sex abuse victim.
by midnight Fri Jan 18, 2019 9:50 am

» An Afternoons Thoughts
by assassin Thu Jan 17, 2019 4:05 pm

» Nottinghamshire Police In Action
by daveiron Thu Jan 17, 2019 12:11 pm

» My way of dealing with DCA
by barnwebb Wed Jan 16, 2019 8:57 pm

» DWP Information Appeal
by Kestrel Wed Jan 16, 2019 8:07 pm

» Reality chat , every wednesday at 8pm (ish)
by Society of the Spectacle Wed Jan 16, 2019 7:21 pm

» Man gets a visit from the Chilli Sauce Police!
by Society of the Spectacle Wed Jan 16, 2019 7:19 pm

» Brexit Survival
by assassin Wed Jan 16, 2019 3:15 am

» RBS Credit Cards
by daveystoat Tue Jan 15, 2019 11:23 am

» Your credit debts written off.
by Society of the Spectacle Mon Jan 14, 2019 6:43 pm

» Credit card agreement misfiled and they can't find it!
by Prometheus Mon Jan 14, 2019 11:19 am

» Postal Speeding Notice
by Ausk Mon Jan 14, 2019 8:07 am

» Will a debt purchaser register a new, more recent default?
by Mrblue2017 Sun Jan 13, 2019 10:06 pm

» Brown all CAPS window letter with "Defendant" visible!
by waylander62 Sun Jan 13, 2019 8:38 pm

» More Food Truths
by assassin Sun Jan 13, 2019 2:44 am

» Project Fear
by assassin Sun Jan 13, 2019 1:48 am

» Hello - Great to Find You!
by assassin Fri Jan 11, 2019 12:35 pm

» speeding tickets
by LionsShare Fri Jan 11, 2019 10:28 am

» War In Iran?
by Ausk Fri Jan 11, 2019 7:34 am

» Lowell Solicitors
by waylander62 Thu Jan 10, 2019 9:40 pm

» Fined because her dogs lead was too long.
by Ausk Thu Jan 10, 2019 10:02 am

» Serving Paperwork
by assassin Wed Jan 09, 2019 7:30 pm

» Agressive UUI's - utter scum, Civil Enforcement Officers
by assassin Wed Jan 09, 2019 7:02 pm

» Lowell threatening me Again !!
by barnwebb Wed Jan 09, 2019 2:12 pm

» 2 New letters received from DCA acting as agents on behalf of client- Please Advise
by Emilybm Tue Jan 08, 2019 12:59 pm

» Cabot- is there a realistic chance to fight them?
by assassin Tue Jan 08, 2019 2:09 am

» The Bacteria & Parasite Deception Raw Food fearmongering
by toolapcblack Mon Jan 07, 2019 2:55 pm

» The Human Apex Predator vs. Mentally Disabled Vegans
by toolapcblack Mon Jan 07, 2019 2:34 pm

Moon phases


Really don't know where to go from here.

Go down

Really don't know where to go from here.

Post by SadSister on Wed Feb 07, 2018 9:17 am

Hi all,
Any advice would be really appreciated.
I'm dealing with my brothers' debts and have been for a while now as he suffers with mental illness.

We have been with StepChange fora year, making a token payment plan of £1 to each creditor for a year.
This year is now up and the debt companies want a new income and expenditure report.

My brother is just getting back on his feet, and has just taken a job abroad - he has literally just started, so as of now, i can't provide an income and expenditure as we have no idea yet how much his rent will be and all other living expenses and i'm guessing we won't know this for at least another 6 weeks.

His creditors are Barclaycard, Westcott, Idem and Link financial.

The way i see it, my options are:
A. To set up a small payment plan for £10 a month to each creditor until i can figure out his income and outgoings.
B. I have a sum of money put away, probably totallying half of the total of his debt, and to make offers to the companies to make partially settled accounts.

I've considered entering into the 3 step process, but honestly, i'm not sure i can handle the stress of it, especially if it should end up in court.

Any guidance would be really appreciated. Thank you.

SadSister
Newb
Newb

Posts : 2
Join date : 2018-02-07

Back to top Go down

Re: Really don't know where to go from here.

Post by Tiggy on Wed Feb 07, 2018 1:26 pm

If his income / expenditure is at today's date uncertain, just repeat what was stated last year.  

Have you made them aware of his mental illness?

Tiggy
Moderator
Moderator

Posts : 640
Join date : 2017-08-11

Back to top Go down

Re: Really don't know where to go from here.

Post by SadSister on Wed Feb 07, 2018 1:28 pm

Hi Tiggy, thanks for the reply.
Just spoke to Step Change who seemingly don't want to know anymore until we are able to provide a new income and expenditure. They will not continue the token payment plan. They have also advised me to call all the creditors and speak to them individually.
They are all fully aware of his mental illness, which is why i am able to talk on his behalf.

SadSister
Newb
Newb

Posts : 2
Join date : 2018-02-07

Back to top Go down

Re: Really don't know where to go from here.

Post by Tiggy on Wed Feb 07, 2018 7:39 pm

Just send them a letter saying his circumstances haven't changed.

Tiggy
Moderator
Moderator

Posts : 640
Join date : 2017-08-11

Back to top Go down

Re: Really don't know where to go from here.

Post by Sponsored content


Sponsored content


Back to top Go down

Back to top


 
Permissions in this forum:
You cannot reply to topics in this forum