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| The independent answer to your debt problems | login join |
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mcctank
| 09-08-2008 02:33 PM |
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Joined: 09 Aug 2008 Posts: 8 | Ok i owe money to halifax and capitol one. in the forms of 2 credit crads and one loan they have both defualted. now the cap1 is with a collection comp called ncoe. i am now working and i have the money to pay them back im hard of hearing so i have written to them but no one has replied and they just keep phoning me what should i do? |
| paladin | 10-08-2008 11:00 AM |
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Joined: 06 Jun 2007 Posts: 96 My Profile | Hi McTank Welcome to the Forum. You should write to each of your creditors detailing your statement of affairs - a breakdown of your monthly spend. From that you can show how much you free income you have after essentials have been taken care of. For more information on DIY Debt Management check out this link. I take it you have made your creditors aware of your hearing problems. In your DIY letter reiterate this point and also of their responsibility under the Disability Discrimination Act. Hope this helps P |
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mcctank
| 10-08-2008 05:30 PM |
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Joined: 09 Aug 2008 Posts: 8 | thankyou for thatpaladin that is a big help. i have sent each debt a total of five letters and ive kept copies of them all but i will follow the ur suggestions and will see if i can get them to reply. Many Thanks mcctank |
