Being chased for debt

[LingShen09]

myself and my partner had our house repossessed in 1999, there was a shortfall of 11 thousand which we owed, at that time we split up for a while and went our separate ways, anyway we got back together a couple of years ago after I had been involved in a serious car accident, I am now disabled and he is my full time carer, today I got a letter through the door from a company acting on behalf of the bank to get the 11 thousand back, I am scared because we are on income support and I have not got that kind of money, Is there any help I could ask for?

[redcrx]

help with what? you could speak to the CAB and ask what they advise but really you need to be honest with the company about what you can afford.

with a child on the way youre really going to need to sort out your finances so that you know what you can afford to pay back towards the debt.

[Ethel]

So in 10 years you made no attempt to repay your debt - either of you?

As redcrx - what sort of help are you looking for? Free advice at CAB. You will have to tell them all your incomings and outgoings - I should forget that tattoo if I were you. You need to show all your money is spent on essentials for you and your coming baby.

[LingShen09]

why you have to be so mean to me, I forgot about that debt for years I cant afford to pay anything now.

I am still getting a tattoo, I have a life to

[redcrx]

how can you both forget about having your house reposessed and a debt of �11k?

if you really owe it, you pay it!

[Ethel]

I'm not being mean - I'm being realistic

You are living on benefits with huge debts and a baby on the way. Providing for your baby is far more important than a tattoo.

You must be in your late 20s at least - you're not a child.

[LingShen09]

how can I provide for a baby when you want me to pay back 11 thousad?? are you mad women.

tattoos dont cost much stop being judgemental on me . how can i pay 11k back when i cant afford to pay rent on my house

[redcrx]

how can you afford a tattoo when you have to provide for a baby?

get your priorities right and seek financial advice. You cant get out of it, you will always owe that money.

[Ethel]

This has got to be a wind up.

There is no way a mother to be, with no money, would consider getting a tattoo when there are so many things a baby need.

[ummmm]

You can't afford your rent but you can afford a tattoo....Shame on you.

[oldhamfan]

if they haven't chased you for the money and you haven't made a payment of any description in over 6 years is it not statute barred now anyway?

[ummmm]

No....it is not.

[oldhamfan]

*post-google*

ah unlucky it is 12 years for that type I think

[Ethel]

oldhamfan - if you have any sort of debt and move house without informing your creditors of every new address, that Statute of Limitations does not apply and you can be taken to court many years after your last payment.

[Prescott]

Ethel - unfortunately there are plenty of women out there who don't put their children first.

[Ethel]

:(

I'll just keep working and paying my taxes, I suppose.

[Prescott]

Yes - it's a pity that they are not all like you ! When you see how some parents behave it makes you wonder whether they should be allowed to have children.

[bednobs]

as above really, you need to get to the cab to work out a relistic budget plan, in order to approach the creditors with an offer. The worst thing you can do is ignor it or "forget" about it for another 10 years. you need to start doing something about it. i appreciate you feel you have nothing, but even paying back a nominal amount will help. Did you get any compensation from the accident you had? Having said all that, they cant take what you don't have, but you do have something, and i would imagine if you dont talk to them, they will enforce the debt in court and you will be ordered to pay back.
I have no idea why someone would pay for a tat, if they cant afford rent/food because you feel that having a tattoo is equates to having a life!

[Mctavish]

Why do you need a tattoo ?