Hardship help needed

[mitsy]

:confused:Hi can anyone help:confused:

 

My claim has been on stay since 2007. they owe around £2500

im now on incapacity benefit long term and i claim for my partner so all of our money is together.

i live with my partner and 2 children 1 is 9 the other is 18 months

my partner is also pregnant with our 3rd.

 

We are now have many debt letters coming through the door daily we have been trying to keep on top of things but everything has come to a head,

I had a good job and could easily pay for things but then and a accident at work.

 

The thing is most of the debt letters are in my partners name,phone bill,

catalogues etc. car will be getting repossed thats in a joint name,

we got the car in 2003 4 years finance should have been finished in 2007,

they are hunting us down for £2400 but the car is worth around £700:eek:

Can i still send these of to barclays the account was in my name.

will barclays treat me as an indvidual or a family,

i was with barclays for 7 years and i have lived with my partner for 10 years.

 

should i recalculate the intrest over the last 2 years it has been stayed.

 

and who do i send all these debt letters to.

 

they have sent me a form out to fill in income outgoing etc.

is there any other letter i should send with this,

sorry for all the questions

 

thanks in advances

 

mitsy

Edited August 19, 2009 by mitsy
more info added

[maroondevo52]

Hi, misty.

 

I'll move your thread to the Hardship Forum.

Have a look at the threads in there.

 

Regards.

 

Scott.

[mitsy]

Anyone

[yourbank]

Anyone

Yuk, Barclays Bank(my latest yuk leader, lol).

 

Ok, if they have sent you out an income and expenditure form then complete it for household income and expenditure and send copies of priority debt arrears notices.

link to definition of priority debt: Which debts to pay off first : Directgov - Money, tax and benefits

 

If you have their awful Personal Reserve then get rid of it to save you £88.00(at worst) a month. Branches cannot cancel the reserve but telephony can if you are within the reserve.