Getting worse again.

[debbbbsy]

Help please what do i do next.

Hi welcome to CAG. I know it hards to accept at the monent, you seem incredibly upset, but just because you owe money, it does not give them the right to behave in a way that distresses you.

The phonecalls, its quite simple, when you answer & they ask to speak to you. Firstly ask them to confirm who they are. If you don't want to speak to them (and you shouldn't), don't answer there security questions. Don't confirm who you are, your address or your DOB. This is catch 22, because legally, they are screxxxd, if they disclose any information beyond who they are, will be a breach of the Data Protection ACT. Don't be afraid of the phone ringing.

 

I had major debts on credit cards

The first step is to send each of them a CCA request. This is sent to whoever is chasing you for money, and not necessarily the original creditor.

Get yourself a file, don't destroy any more letters. Send everything recorded delivery.

 

http://www.consumeractiongroup.co.uk/forum/content.php?609-Can-t-find-the-letter-you-want-Look-here

 

Good Luck

 

Debs xxx

[debbbbsy]

Sending a CCA or prove it letter i thought would cause more hassle for me, I know i owe the money but do not have anything to offer.

Would sending these letters cause them to write to me even more or phone more often.

 

Aslong as you ignore, the letters & phonecalls will continue, and eventually some will instigate legal proceedings.

 

The CCA requests, won't make things worse. If they can't comply, it puts you in a position of strength. Because you know which accounts can or can't be enforced. Those that don't comply, put the account into "Dispute", and you can ignore there threats.

Those that do come up with your agreement, SAR them, get copy statements, the default notice, the notice of assignment....establish how much interest & charges have been applied to your accounts. Ensure that correct procedures have been followed. Do any include PPI. There are official letters you can send asking for the accounts to be frozen.

 

By doing it this way, you take control of this situation. I'm sorry to say, but ignoring them & shredding the letters will only make things worse.

 

Good Luck

Debs