The unexpected debt | Single Dad's Diary - The secret diary of a single parent dad

 

 

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The secret diary of a single parent bloke

The unexpected debt

Uploaded: Friday, April 23rd, 2010

6
Thursday, April 21st, 2005.

Since finding the unpaid bills hidden behind the radiator in the kitchen, part of me has worried that I’d find more, but the other part has thought that there couldn’t possibly be any more hidden away. Even so, I was now approaching the tidying and removal of junk with some trepidation. Nothing could have prepared me for the shock and problems that I have encountered this evening.

As with most other flat surfaces in the house, the chest of drawers in my bedroom was piled high with junk, much of which had fallen down the sides and the back. I’d pulled it forward, and as usual an avalanche of rubbish had fallen out. Amongst it was an unopened letter from a credit card company, with Kat’s parent’s address and my name! It was five months old, and had arrears of £5700. How could it have my name on it? Why did it have Kat’s parent’s address on it? Why was it here? What the hell had she done? I stood there, reading my name over and over again. How did my name get on this bill?

Eventually, I decided that the best place to start would be to call the credit card company. They were most unhelpful!

I explained exactly what the situation was. Their opening line was to inform me that the debt was now over £6000, it was my problem, they wanted immediate payment, and if they didn’t get it, they’d send around the bailiffs to take whatever they could. Basically: tough! Pay us or we’d make you pay! By this time, I really was panicking!

After over an hour on the phone, during which they subjected me to threat after threat about bailiffs, repossessions, CCJ’s, court action, they offered me three options:

  1. Pay, in full, immediately!
  2. Don’t pay, we’ll have the debt collectors round within days. Now that you’ve called us, we know where you really live!
  3. Report it as fraud.

I couldn’t afford to pay them, and why should I? I knew nothing about this credit card. It was certainly the last option, so that’s the one I plumped for. They said that I’d have to report it to the police and get a crime number, but they’d still send people around to seize goods unless I paid something immediately. Just to keep them off my back, I paid £30. The card had been stopped a few months prior, but they would not suspend interest or ongoing late payment charges. What a bunch of vicious bastards!

I must have spent nearly two hours trying to reason with them, but it all came back to the same line: “You owe us- pay us now, or else”.

I called my Dad, and he came straight over. He spent hours calming me down- I just kept pacing around the room, shaking. Could they really break into my house and seize my things? Would I have to go to court? What about the police involvement? How had this even happened?

 

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Comments (6)

6 Responses to “ The unexpected debt ”

  1.  
    Peggy @ Perfectly Happy Mum commented at 12:08 pm on April 23rd, 2010

    That’s really awful and it must have made you so angry! I hope that now few years down the line it is all sorted and that you are happy in a life back on track.
    Px

     

  2.  
    Susie commented at 12:09 pm on April 23rd, 2010

    You poor thing. That is so stressful, but at least your dad is helping you out.

    Do check out http://www.daveramsey.com He has great podcasts to help with getting out of debt. He speaks often about credit card companies and debt collectors (in usa but still concepts are the same)

    Hang in there.

     

  3.  
    whiteknight commented at 5:56 pm on April 23rd, 2010

    Did twitter u on this, but easier to write here – you need to make a ‘freedon of information request on card company – it will cost u £10, and them about £2-3k ! (which is hopefully a little satisfying for the shit they have given you !) They have to send you every bit of correspondence and internal docs they have on the account – which will inc the credit application form and what they used for proof of ID. This will give you the leverage against the CC company to a) stop chasing u and b) prove any fraud – it is THERE responsibility to know that the person that took out the CC is who they say they are – u may not want the boys in blue after your Ex, but it will give the CC something to do apart from chase u – by what you said they didnt start chasing the debt until you phoned ?? – f*ck ‘m ! .. DM on twitter if u want more .. WhiteKnight21

     

  4.  
    Karin commented at 6:26 pm on April 25th, 2010

    Now, c’mon! You can’t leave us hanging like that! What happened next? :-)

     

  5.  
    Danielle commented at 6:34 pm on April 25th, 2010

    Can’t wait for the next installment. She is unbelievable!

     

  6.  
    Supersinglemum commented at 7:19 pm on April 25th, 2010

    OOOOOOOOOOOOOOhhhhh she makes my blood boil!!! Can’t wait to find out how all this pans out!!!

     


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