Threatening Behaviour from Person I Owe Money To

[ScaredandNeedAdvice]

I've changed my name for this because I'm embarrassed and scared.

I moved house in mid September and had to use removals people. I paid half up front and a cheque for the other half. The cheque bounced. I had a letter and wrote saying I'd sort it out as soon as I could but gave them a cheque for a small amount of it. Not heard anything else.

Just now a very menacing, demanding man showed up on my front demanding I go down to the cash point and withdraw the money there and then. Two issues, my dd is asleep upstairs and I have no money in the bank. I tell him I can't do anything. He is threatening to come to my work and wait until I do sort it out. I have no money. I have been screwed over by my exlandlord who withheld all my bond which I had planned on using for this amount. I've now agreed to meet someone tomorrow outside my bank in the town where I work at 1140am with the money. I don't have it. I told him when he was here that his threatening behaviour was scaring me and I was tempted to ring the police. He backed off a bit. But what the f*ck am I going to do? I'm terrified. I have money going in my account tomorrow but my overdraft that I'm extended over is going to eat that up. I don't know what to do.

Edam, read back. I'm sick of defending myself. I did write to him to sort out both the breakages and the pyament and he did not reply. I was supposed to have a larger bonus from work than I did and had absolutely every intention of paying him. I have never said I wasn't going to pay him or that I would not have paid him.

Seriously what else other than post dated cheques am I meant to do? DD's dad is useless at paying maintenance and no matter how urgent or how desperate I was it would not change his inability to pay. I have obviously thought of all that. I'm doing what I can which might not be as much as he'd like but that's unfortunately how things are going right now.

Again, it must be nice to have the ability to condemn even though I have explained myself. I have not been able to sleep at night or felt safe in my own home since this happened. The last thing I now need is comments like that. I applied for housing benefit, I applied for council tax benefit, I've applied for everything and I'm entitled to exactly nothing. I get my wage, I get maintenance when it suits dd's dad and I get my child benefit. In that I have rent to pay and all the other bills we all pay and have nothing left each month. It's why I don't eat 3 meals a day. It's not by choice.

SNA - is this with a collection agency now? if so talk with them and arrange something with them, which col company is it with?

there's been wrong on both sides but the important thing is yours/DD's safety.

Hi , I have been in your position so can understand in that I live alone with my daughter , have a fairly big mortgage and I am entitled to nothing other than tax credit for childcare and child benefit. I don't have any credit due to falling into difficulties years ago other than my mortgage .
One thing that has helped me is I have a basic bank account with no o/draft or cheque book , no debit card just a cash point card and have found I budget much better, don't have any bank charges which can eat into your money each month.
Could you not open one of them , mine is with Barclays and then close your other account and pay off the o/draft slowly. At least you will know where you are each month , my bills I pay in cash at the post office.If I need a cheque I have an Abbey Saving account and they do a counter cheque at the branch which cannot bounce as they draw the funds straight away. I buy all mine and my daughter clothese toys etc on ebay.

I lost hundreds in bank charges over the years due to mismanaging cheques and it makes life so much easier a bit old fashioned but at least you have no nasty bank letters and calls.