My daughter told of this site and how it had helped her over the years reclaim unfair charges and it has been extremely helpful to her over the years, I know she donated several times and so I decided to register myself.
My daughter has suffered severe trauma over the last 12 months and I am very pleased to say that she is in a much better place now.
I am trying to sort her finances out, she is unable to work presently and unsure at this time when she will be capable of working.
I was considering writing to the companies she owed money to explain what's happened to her and ask if they would consider wiping the debt in her circumstances, especially at the moment as we have no idea when she is going to be able to return to work, its not likely to be any time soon as she is in therapy 3 days a week for at least the next 6 months.
The debts are roughly as follows:
Vanquis £650 (paying £1 a month)
Three Mobile £121
Lowell Financial £1200
Welcome Finance (Secured) £18K (paying £10 a month)
Santander Loan (Unsecured) £9K (no payments made since 2010)
HSBC £1500
Robinson Way (Barclaycard) £950
Creditlink account recovery solutions £94.76
My husband and I are old age pensioners and we cannot afford to pay these debts but I know all these letters that come through only add to her stress and depression as they do! We would love to be able to pay this off but we are financially just not able to.
She has a mortgage which she is in arrears with although I am dealing with and they are understanding, there is no equity in the house but the mortagge payment is so low at £429 a month (interest only) we want her to keep this as renting would be of more cost to her.
I am not sure if it is possible for anyone to advise us if it is worth writing to these debters with her situation and seeing if they might consider wiping these debts.
Many thanks
A worried GrannyMargaret.