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chippy83

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  1. Ok that's great and thanks very much for your help. Time to get on with it!
  2. I think the ccj and charging order is for the loan and current account lumped together by Natwest. I do remember getting a letter about a charging order but I stupidly didnt keep any of the letters that were sent to me, just a quick look and threw it out. At the moment I'm not making any payments to anyone, I havent since 2010. I havent been able to afford anything until now and I was hoping I might be able to offer a reduced settlement to clear it up for less money and faster? I dont think there are charges on the RBS credit card but I do remember finding out when I had the Natwest loan extended that I was paying ppi without realising it and asked them to take it off. I think the Natwest current account debt is all charges. Ultimately this is all from memory and I'm not entirely certain... Thank you so much for your help!
  3. Hi all Would someone mind taking a look at my debts and give me an idea of what I should do. I would like to clear my debts so that I can rebuild my credit for mortgage purposes in the next couple of years. I already have a mortgage on the property we live in but will need to move when we start a family. Thanks for any help in advance! I was hoping that i might be able to save up and do some kind of full and final offer to get it over with quicker.... Natwest loan £5,730 - defaulted 11/2009 RBS Credit Cards £2,501 - defaulted 08/2009 NWB Current Acc £471 - defaulted 05/2010 CCJ £6,470 01/2010 - I believe this is to do with Natwest. 'Shoesmiths' are writing to me as representatives of Natwest with expenditure forms and they say there is a Charging Order. I have buried my head in the sand and had very little contact with them since 2010 but i did say on the phone a few months ago I wanted to start trying to repay but never did anything further. Please help me start the ball rolling, Ive read so many different websites about different things to do I thought I should put all my info up and ask for some help Thanks again
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