Fifi L'amour
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I'm so sorry that you are in this position.
The very best thing you can do now is get in touch with an organisation that can help you.
The Consumer Credit Counselling Service is a charity which provides free debt advice and can sometimes speak to organisations on your behalf.
Your local Citizens Advice Bureau can also help you. In fact there are lots of organisations out there.
Have a look at the links below. You might have been to some of the sites before, but there might be something new.
The most important thing to do is TALK to someone about this. It will be the first step to start to feel better about things.
Please don't ever think that you are worth more dead than alive. There is lots of help available out there, and I am sure that there are lots of people who love you and want to help you. If you ever need someone to talk to and you feel very low, the Samaritans are always available to offer support.
I know it looks bleak, and now you have to deal with this on your own since your partner died, but there is always a way to sort these things out.
I sincerely wish you all the very best of luck for the future and I hope you can get the help you need. |
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Smiley
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Don't you dare top yourself over these b's!!
Good grief - they are NOT worth it.. stop getting down and get mad..
First thing in the morning you pick yourself up, dust yourself down and realise that you need to get going. Start with getting in touch with The National Debt helpline, then you write letters to anyone and everyone - the financial services ombudsman, your MP etc etc
Tell them everything - name and shame this company.. you have done NOTHING wrong - and with enough naming/shaming and pressure they will have to accept your monthly payments..
You hang in there - they are not worth this amount of time/energy..
Go to the press if you have to - they HATE that - the Sunday Post, Sunday Mail etc all have consumer columns.. even say that you have felt suicidal over it..
Good luck. |
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NICK A
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Talk to citizens advice, they will help.
Usually if you offer to pay a reasonable amount each month the company will accept it. if not CAB will advise and help.
Make sure you do it and don't do anything stupid |
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nettie
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Go and speak to the citizens advice bureau. They can advise you accodringly but do not leave it until you find yourself homeless go now.
All the best and try to stop worrying as you will need all the tenacity and strength you can muster to see yourself through this traumatic period.
Good luck> |
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paul c
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Your local citizens advice bureau will probably give you details of a charitable debt advice service which is free. They can give you a plan of action regarding you finances and communication with Egg. On a more serious note, you need to get help if you are feeling suicidal. You should talk to your GP. Talk to friends and family. And the Samaritans are just a phone call away. You can sort this situation out but not on your own. Use all resources available to you. Stay strong and good luck. |
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josephrob2003
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you must hang in there,don't give in to these scum bags, go to your CAB(CITIZENS ADVISE BUREAU,As long as you are attempting to pay,no matter how little,they are obliged to accept this.take as much info along to the cab,this will help them assist you
good luck |
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Pleasant Peter Perkins
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EGG are a bunch of sh*ts. I had problems with them and told them to take me to court where I would arrange for them to recieve £2.50 per month for the rest of my life and they could swivel on it!
They settled over the phone.
Do NOT allow these scum to bully you.
They are grubby little wide-boys with greasy hair and rancid morals. |
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Nutty Girl
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legal aid is for people with no income for a start ,citizen advice bureau is totally free and can help you get sorted
lots of places ask for immediate payment they cant do nothing unless they go to court etc where u can tell ur story of offering to pay and your cirmcumstances please see your local citizen advice center to stop you feeling like this as soon as you can |
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brighteyes
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go straight to the citizens advise bureau , they will be able to speak on your behalf,but don't delay another day, they will be able to help you.i am so sorry for your loss,don't think of doing any think silly,these people will help you. |
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.
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I agree with Robert C. EGG cannot make these kinds of fantastic demands realistically. Although I do not know the exact details of your case having some basic experience in this area I do know before they can do anything they would have to take you to court and present their case and it is unlikely after hearing your financial status that the judge would make such an order against you.
To receive some confidential and professional advice I suggest you contact either one of the following and they will certainly help you where it is needed.
The National Debt Helpline:
http://www.nationaldebtline.co.uk/
The Citizens Advice Bureau:
http://www.citizensadvice.org.uk/index/getadvice.htm
Despite what you may think there is never a reason to give up in these kinds of situations as they can nearly always be resolved. |
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firebobby
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Get to the CAB tomorrow. |
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Suki Boo
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Citizen's advice, the debtors have to accept payments, but you must stick to them religiously!
How do you not qualify for legal aid with no income, your house is an asset not income. You need to talk to someone now! |
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Apple Crumble
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Your house is not all that you have left.
You have you.
I have huge debts and felt this way for a few years.
I woke up one morning and thought f*** it I am not going to lose my mind because of this. They can do what they like to me but I am going to carry on.
Strangely this approach seems to have worked and I feel stronger. When I compare my life to those in the third world I know I am right.
Please be strong and learn to live again no matter what they take from you. |
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jester
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First of all.....Calm down!
Life is not a Dickens novel, there are no debtors prisons anymore, you are not a criminal.
Irrespective of what EGG 'demand', pay them what you can realistically afford! Pay them regularly and make sure you can afford what you send! Start with a low payment and increase as you go (if you can).
There is not a Court in the land that will grant them possession of your property for SLOW payment of this debt ONLY FOR NON-PAYMENT; so send them something every month and make sure it is EVERY month whether or not they want it! They are trying to get you into Court for non-payment (the bastards), so make sure that they have no case (even if you send them £1 a month).
Calm down, relax and go and actually see someone (CAB etc) for proper debt (and bereavement) counselling.
You are by no means alone, get some fresh air and some perspective.
Good luck |
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janey lou
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Please take everyone's good advice on here. Don't do anything stupid because of debt. I wish you the very best and hope you can sort your problems soon. x |
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What a guy!!
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Contact the Citizens' advice bearueau (no idea) they offer a great debt service. There's also a chance that some of your debt may be written off!!
Best of luck. |
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funnycunny
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put it into basics.
have a cup of tea.
deep breath................................
you cant afford to live in that house.
time to downsize luv.
my rent is £66 a week for a 3 bed in north london.
best thing i ever did was get out of the mortgage. |
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ian s
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These people can help:
http://www.consumeractiongroup.co.uk/forum/general-debt/
http://www.nationaldebtline.co.uk/
http://forums.moneysavingexpert.com/forumdisplay.html?f=76
"Help the aged"
And
"Age Concern"
Will help the over 60's,definitely worth a ring anyway.
Citizens Advice debt advisors are often booked up for months ahead, but try anyway. |
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Jane Eyre
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Me and my partner feel your pain here. We were effected financially by the Twin Tower attacks and had to sell our house to get straight again. We have been living in rented accommodation which is very expensive and always has that element of being 'temporary'. However, although we don't own our own home our stress levels have come down immeasurably. Please do not despair. I really do mean this. If the worst that can happen is having to sell a property then life's OK. Maybe you could downsize to a smaller house? Please take a deep breath, try to step back from the situation and think calmly and logically. I'm sure your husband would not want you to despair over it. Maybe you could go the C.A.B. to enquire about bankruptcy. Then selling your home may be avoidable. Very good luck to you on this one. It will all sort itself out, you wait and see. |
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Capt Jack
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We're all amateurs I'm afraid. The only thing I can suggest is CAB |
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pollywallydoodle
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You are so much more important than money it is not everything, you must know that . Get yourself good advice from an insolvency practioner and sort this out. From what you say your house has the equity to pay the debts, the way forward is to pay them. I know it is not what you want to do but to downsize the house will be in your best interest, healthwise and monetarily. I am so sorry for the loss of your partner, maybe this has a lot to do with wanting to keep the house, very understandable, but you should not suffer like this. Take it in hand and deal with it and you will feel so much better.
All the very best to you. |
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ketkonen
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Chill out, in the Philippines whole families live on the street and they don't whine and moan, they don't have the choice. Sorry to sound harsh but I think us pampered westerners are going to have to harden up now. Tough times are here NOW, and we are going to have to buckle up and get on with it like they have had to do for years in other countries. You made money on your house.......why should you keep it when it could be used to repay your debts ? People love capitalism on the way up, but they sure whine on the way down. If you don't like it vote communist. |
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jiltedjohn71
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Sell your muff to ugly/fat guys at £90 a hour. You will soon have loads of cash. |
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