chippy83
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debts and defaults listed - please offer advice
chippy83 replied to chippy83's topic in Debt management and Debt self-help
Ok that's great and thanks very much for your help. Time to get on with it! -
debts and defaults listed - please offer advice
chippy83 replied to chippy83's topic in Debt management and Debt self-help
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! -
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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