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Sainsbury Loan - A little help please


rattyrat
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Hi,

 

 

a couple of years ago i took out a loan with Sainsburys bank for 13k

the arrangement was to pay 111 pounds per month off,

which at the time i had no problems with as i was earning 3500pm

( sorry cant seem to find pound sign on keyboard set to American for some unknown reason cant get it off lol) as i was working offshore.

 

Unfortunately i was one of the many who got laid off,

i informed them straight away what had happened and i said i would pay a small amount off when i can as i started with an agency which only paid bare minimum,

 

 

to cut an extremely long story short,

i have sort of hidden myself away avoiding the debt, which i know i shouldn't do,

but i just cant seem to get into a standard way of life with my wages,

one thing leads to another

and i then have no money sometimes even paying my rent is a struggle.

 

I dont want this debt hanging over me and debt collectors calling me every 5 mins,

which was actually happening,

but now i changed my number,

 

 

its not a case of wont pay its a case of sorting it out so i can pay,

 

 

i have just now been taken on full time in a new job,

ok the money is not great but at least i can afford to pay my rent now.

 

Would like some advice from someone on how i go about trying to sort this out, without the company finding out where i live now and sending round the blood hounds to my door

 

 

...any adivce would be much appreciated,

 

 

there is allot more to the story

but i would bore you to much so kept it short lol..

. thanks

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no good hiding with debts

that's the worth thing to do

 

 

all they'll do is sell it on

and some powerless DCA will get a backdoor CCJ on you.

 

 

have you ever looked at your credit file?

WHEN did you take this out

and when did you last pay anything

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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