S Csparky
 |
go too your local citizens advise centre
they will sort it all out for you what you
haven't got they cant have if you are on
£50.00 a week they will have too accept
a £1.50 a week don't worry get to cab
Monday good luck...... |
|
bullbusbutt
|
report me if you like ppl but ignore it hun dont get all stressed youve had enough stress loosing your job
offer them £5 per week which is better than nothing and you'll stay jail free
to be honest i think theres no room in prison for you right now they need the bed for a bad guy
good luck |
|
robert p
 |
No you cannot as you'll be pleased to know a debt is a civil offence and you cannot go to prison for it, you may get prosecuted and fined but that's the worst that can happen really. You can only go to prison for criminl offences. |
|
minty359
|
no go here this is a free service and they will stop all actions
http://www.payplan.com/ |
|
Rachellie
|
Go to a debt managment company. They will take all the stress away from you. No, they don't cost the earth either. |
|
Spiny Norman
|
They could make you pay 50p a week, or probably write the debt off. Prison is not an option. But it was for Charles Dickens! |
|
deni
 |
the best thing you can do is call the company you owe the money to and arrange a payment that you can afford, also go to the citizens advice bureau, they can also advise you as to what to do |
|
argonort
|
don't ignore there letters mate, it just gets worse with added charges. Contact them with a reasonable offer of repayment
they will have to accept your offer. pay them what you can afford. your credit rating will be like mine BADDDDDD
but there's ways around all of it trust me.
eventually you will end up with frightening letters but they will
sell your dept to some vile recovery firm who will make door
collections from you weekly. don't worry your not going to jail
try not paying your council tax .... that's a different story. |
|
firefly
 |
As far as I know they can't, it would serve no purpose to anyone.
I suggest that you seek advice from the citizens advice people as to where and how you stand. |
|
Storm Rider
|
In the UK you can no longer be imprisoned for a debt.
There is a saying "It is no use sueing a straw man" meaning that if someone hasn't the means to pay there is no point in chasing for money...... Guess you are the "straw man" so they will waste their time with ballifs. Has there been a court case yet? |
|
saorsie
|
don't worry,you can not co to jail. |
|
Steven
|
UK abolished debtors prisons many years ago. Please TALK to your creditors. They will freeze the interest and even if you can only pay £1 a week it will be something. You don't owe enough to make it worthwhile going bankrupt and that will cripple your finances for 6 years at least. An IVA (Individual Voluntary Agreement) that you can arrange yourself will save your financial skin and stop the bailiffs from calling.
Talk to them. This happens all the time and they are well used to it.
It's good to talk. |
|
Rachel
|
Having been in this situation the best thing to do is call the debt agency that is now dealing with the debt. As long as you are paying something back they will be happy with it.
Tell them your situation and how much you can pay per month (£20 or something) they will accept it. Even offer that it can be revised in 6-12 months if your situation changes.
I owed money to tax credits (£2800) and am now paying £30 per month. The benefit of doing this is - no bad debt on file(as it will be cleared as soon as the debt is cleared) and no interest to pay back.
You wont go to prison though but they may send someone round and really start hassling you if you dont get it sorted. |
|
telboy everton forever
|
try to ward them off by offering them some money per week and explain why and let them know you are currently trying to find a job when you do you will pay as much as you can ,and no they cant send you to prison for this |
|
paulaeverett
|
Basically, they can't!
They can't force you to magic up money out of nowhere. Nonetheless, they will most probably continue to pester you, to the point of insanity, until you pay up.
Have you tried offering them repayment at the rate of e.g. £1 per week?
You can't go to prison for non-payment either (at least not in the UK). |
|
clare p
|
you can only go to prison for not paying your poll tax so you are safe with that.take you to court and offer to pay £5 a week until you find work. ive been paying a £3.000 fine for 5 years at £15 pound a week if i miss a week the police will arrest me and take me back to court. only offer what you wont miss. |
|
morning star
|
not for a loan. The only debt you can go to prison for are council tax and magistrates fines.
They can make you bankrupt, which basically will mean that your bank account will be frozen until the official receiver has seen statements. If you own property and a decent car, antiques etc. they may be able to cease these to sell. If you are made bankrupt you won't get any credit above 250 pounds.
If you get in touch with national debtline (which is free, just type national debtline into a search engine) they will be able to send you literature on debt. It is an excellent pack which includes sample letters to send to companies.
Most companies are willing to accept an offer of payment, if a budget sheet is enclosed showing what you can afford.
They don't like to make people bankrupt - it costs them time and money.
One last point, before you can be made bankrupt the company have to send you a statutory demand for the money. This is the last chance you get to act before bankruptcy Don't ignore the debt, write to the company and offer them what you can afford. |
|
Jane A
|
They can take you to County Court and make you pay back so much every week out of your benefits. You can't actually be sent to prison for debt as this is a civil matter. However, if you try to evade repaying the loan by refusing to cooperate or by doing a 'disappearing act', your creditors might begin to believe that you have no intention of repaying the money. They may construe this as an intention to defraud them. This is a crime of theft, of course. |
|
nick
|
Basically there's absolutely nothing they can do to you - and they know it! The letters are just their way of trying to scare you... easier and cheaper for them than actually sending bailiffs round to collect money they know you don't have. Ignore them if you want, and the worst that will happen is a black mark on your credit file (which will disappear after , i think, 6 years). Best thing to do if you want to obtain credit in the future is, as others have said, contact them and offer to pay a nominal sum, say £5 a week. Good luck! |
|
bengimog
 |
Not for that amount - they will probably eventually write it off. But have you tried talking to them? |
|
Barbarian
 |
Don't think so, best to get advice first from Citizens Advice thay will give you your position |
|
angie n
|
debt of this type is not impressionable,the action taken by the company you have dealt with is topical, you need to get some advice from you local advice centre look in yellow pages or ask around some one will know in your local area where to find them |
|
fredokatch
 |
Yeah of course |
|
ida
|
borrow money from another person, and pay your debt. this will rescue you for some time. when you find a job you'll pay your second debt. i don't think you can go prison for this. |
|
Manga
|
through your benefits since ur not working |
|
jlk
|
In order to send the bailiffs round they need to establish the debt & get a court order via the magistrates court or county court for higher amounts. Once the bailiffs have been instructed by the court any goods they remove from your premises have to be proven to belong to you. On the other hand, when to debt goes into court you can enter into a payment plan with the court who are now acting as go betweens. If you fail on an arrangement set up by the court - at that point you would be in contempt of court & its up to the presiding judge what happens after that. |
|
GEOFF W
|
no you can go bankrupt but take some advise from citezens advice |
|
Kylie M
|
possibly prison! but if u cannot get a new job becuase of illness they cnat do ne thing about it and will have to write te debt clear or take it slwoly out of ur benefit! if u r fit to work and not got a job of any kind evenif it s a minimum wage one then u can go prision but they may sentance u to also pay the debt back as well |
|
jodie
|
I'm in the same boat, I'm only 21 and I'm in debt up to my eyeballs..can't even get loans, or anything...never take out contract phones when you turn 18 and not responsible enough! My mistake! Was also in debt with my.council tax.for 3 propertys! Ive been paying these off for some time now! Was so shocked when they said to me you've made an effort were going to write off two of the accounts so...I'm still paying off 460 quid but its better than 1,000 n something!.
I was worryed as you were could I go to prison for my other debit..I still lose sleep when I think about it...but really I know deep down they can't send.me to prison...they need the space for people who kill people for godsake! LMAO
What I've done is told someone I trust and won't judge..me! Like a friend or relitive to help you with a list or going through your statements with and together come up with an action plan....I'm still ignoren letters sometimes but...I know now with my action plan I can get through this and don't be bottleing it all up....WITH HELP FROM LOVED ONES IT WILL ALL BE SORTED XX
GOOD LUCK |
|
| |
|
Homepage 
Financial
Forum 
Personal Finance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
