Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


+ Reply to Thread
Page 2 of 2 FirstFirst 1 2
Results 21 to 22 of 22
  1. #21
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    mollywobbles Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Mar 2007
    Posts : 79 (0.02 post per day)

    Default Re: Initial advice on partner's unsecured debts

    Thanks, dx, guess that answers my question about that as a possibility.

    To answer the questions, all these are post apr 2007 and remain with original creditors for now.

    And thanks to all for the advice, things are starting to look a little clearer now.

    At the moment, it seems like f+f offers conditional on notices of full settlement would be the best way to go.
    Is it worth starting by asking for removal of defaults (although I fully understand & appreciate what the answer is likely to be, as outlined above)?


    It seems at the moment probably not,
    given the unlikeliness of success,
    their sheer number and the fact that one is as bad as a whole bunch.


    I should probably just accept that things are going to be tough in the credit department for a while,
    because that aside, it's not the end of the world.

    In the event that those offers are rejected, the 1 payments will continue ad infinatum.


    Our finances are set to be stretched ever further with the arrival of a first baby in 8 weeks,
    and any creditor would be a fool to not see the sense in accepting a sensible offer made.
    Would the 1s be enough to keep the debt with the original creditor?

    I suppose before making those offers,
    we have to decide what price we are willing to pay for 6 yearsicon of peaceful living,
    in the knowledge that in paying everyone off,
    it's only the demands for payment that will go away,
    not the negative impacts of the defaults themselves.

    Have I missed anything?

    Thanks again all round...


  2. #22
    Site Team fkofilee Authoritative fkofilee Authoritative fkofilee Authoritative fkofilee Authoritative fkofilee Authoritative fkofilee Authoritative fkofilee Authoritative fkofilee Authoritative fkofilee Authoritative fkofilee's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Oct 2011
    Posts : 8,300 (3.37 post per day)

    Default Re: Initial advice on partner's unsecured debts

    No you haven't really missed anything, Im just glad you came to the right place for advice.
    No payments made to the OC will not affect their decision to bulk sell the debt to a DCAicon looking to make a buck.

    If DCAs start hounding you then, dont worry, they are idle threats.



Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
We use cookies to personalise content and ads and to provide social media features. We also share information about your use of our site with our advertising and analytics partners. See details