Search
 
 

Display results as :
 


Rechercher Advanced Search

Latest topics
» Hello :)
by Mumra Today at 2:15 pm

» The Smith-Muntd Modernization Act 2012
by Awoken2 Today at 2:08 pm

» Buteyko Breathing
by toolapcblack Today at 1:46 pm

» Letter Process / Debt transfer to new company
by Winston Today at 12:56 pm

» ...Is this the final straw?
by ceylon Today at 12:53 pm

» Can stage 4 cancer be cured naturally?
by ceylon Today at 12:53 pm

» No wet signature
by eargoggles Today at 11:36 am

» A tale of three Magis
by El E Mentary Today at 9:35 am

» Help required with CCJ defence
by Ausk Today at 7:47 am

» Predictive programming and the music industry.
by Awoken2 Yesterday at 11:58 pm

» NIP
by Tom Bombadil Yesterday at 10:10 pm

» fine at old address.
by Tom Bombadil Yesterday at 10:01 pm

» UK Column
by ceylon Yesterday at 8:06 pm

» Is no news good news?
by ceylon Yesterday at 6:10 pm

» Cbd Oil
by Lawful rebel Yesterday at 3:47 pm

» Court Scam
by El E Mentary Yesterday at 8:31 am

» Let's Have Some Tunes thread.
by Awoken2 Wed Feb 21, 2018 11:17 pm

» Reality chat with peter howard and company
by Society of the Spectacle Wed Feb 21, 2018 7:40 pm

» Hello and a little help please for loan debt
by homerishome Wed Feb 21, 2018 5:29 pm

» Did Robin Hood Loose £7 6 MILLION in it's second year That's OK YOU can PAY
by ceylon Wed Feb 21, 2018 4:08 pm

» Florida School Shooting - TWO Shooters..?
by Awoken2 Wed Feb 21, 2018 3:17 pm

» ...Is that the perfect royal shit?
by Lopsum Wed Feb 21, 2018 2:46 pm

» Any advice - STA international - Student Loan - OUSBA
by Tiggy Wed Feb 21, 2018 1:09 pm

» The Supreme Court throws out an appeal by Scotland Yard.
by midnight Wed Feb 21, 2018 10:35 am

» Homeless
by Tom Bombadil Tue Feb 20, 2018 9:00 pm

» Latest from CrimeBodge
by assassin Tue Feb 20, 2018 7:20 pm

» The KaK & M@C Show Do NOTTINGHAM CITY COUNCIL
by ceylon Tue Feb 20, 2018 7:02 pm

» Dealing With Corrupt Po=lice
by assassin Tue Feb 20, 2018 6:59 pm

» RBS admits forging customer signature
by El E Mentary Tue Feb 20, 2018 12:24 pm

» ...Fancy paying for another parasite? Is KFC closed?
by ceylon Tue Feb 20, 2018 12:07 pm

» ho'oponopono
by Tvarred Tue Feb 20, 2018 12:01 pm

» The 7 Principles of Hermes ( Tehuti)
by urchinatheart Tue Feb 20, 2018 8:39 am

» ...Hippocratic of the royals
by ceylon Mon Feb 19, 2018 8:50 pm

» sol excalibre with cookiemonster
by Society of the Spectacle Mon Feb 19, 2018 7:38 pm

» Long time lurker
by assassin Mon Feb 19, 2018 6:13 pm

» Are you a pauper ?
by LionsShare Mon Feb 19, 2018 5:31 pm

» 24Studio Catalogue Debt - Need Some Advice Please
by actinglikeabanker Mon Feb 19, 2018 12:15 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
Not so newb
Not so 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 : 543
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
Not so newb
Not so 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 : 543
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