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About Hestia10

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  1. Hi, Last payments were around 2009. The last time any sort of letter showed up was about 3 years ago to my knowledge but only received by me a year after it was written as hung onto by my sister. I haven't managed to open a bank account yet but made progress in what they required so will try this week. Thanks for responding. At the time maybe I should have gone bankrupt in hindsight but before I left it pretty much all stopped after asking for the SAR' s. I had settled what I could prior to that. Then after a big gap I started to get random debt
  2. If anyone is interested in what happens next I am going to keep a record of who and what comes out of the woodwork over the next few months. For now I have re registered on the electoral roll. I will also try and open a bank account in a month or so.
  3. Well, I took the plunge and entered mum's UK address which is my last registered address in the UK. Experian wouldn't open an account because they said information mismatch? Clearscore said that I did not have a credit file and should take up some credit to get started!!? Now I am really confused!!
  4. Back in 2008/2010 CAG pretty much saved my life - not joking! My story is fairly typical - got into too much debt, lost job, got caught with all sorts of dirty tricks with debt recovery agencies - found CAG, got help, fixed some things, more dirty tricks and bullying from debt collection agencies and then after issuing lots of SAR's things went quiet. We managed to get agreement from our lender to rent the house while we tried to sell it and went to live with my mum and stepdad in Spain and try and re-start. We have managed to scrape by, (anyone who thi
  5. Wow I didn't know that! That would be fantastic! Thank you so much - will read on!
  6. Hi, Thanks for the reply. Yes, I appreciate that they can foreclose and we have been dropping the price. We understand that ultimately something is better than nothing/a debt if they sell for less than the mortgage but it still hurts to hemorrhage the only bit of money we have and you always have to negotiate a sale anyway. Does anyone have any experience of what they do in practice? Might they extend the term or allow a period longer to sell on the market? Even if we dropped to €250000 and invited bids it would take longer than we currently have!
  7. Hi, Does anyone know what Nationwide is likely to do in our situation please? Wife is 16 years older than me so we had a 10 year self cert mortgage taking her to age 65 originally through Derbyshire/Salt and now taken over with Nationwide. About 12 months ago we rang Nationwide after receiving a standard letter re repaying the loan at the end of the mortgage term. The friendly but extremely unhelpful call center guide was only interested in referring us to an independent mortgage advisor when asking about options and whether we could extend the term as they couldn't give advice and t
  8. Hi Andy,What happened in the end? We have a problem looming soon and wonder if eventually you overcame it? Thanks
  9. Well truly I am not sure what to do, I understand that on the one hand there may possibly be some way of challenging the debt agency but having been 'done' is that it, 'Game Over' so to speak? Should I take my medicine or is there a chance to reduce the debt (obviously inflated by all their fees) or the payment? I have just finished my agency contract at the moment so have no job - does that make any difference? If I ask for a reduced payment does that get reviewed annually or fixed forever?
  10. Help Please, I have an MBNA debt which is about 5 years old since the last payment. They did make offers of settlement for approx. 40% over time but I ignored those. However recently, on moving, I was tracked down - I think because I paid my TV license. They sent a CCJ Notice for Northampton County Court for £14000 which I didn't appreciate was the real thing and 4 weeks later I received a CCJ with a payment schedule of £100 per month. The claiments were a company I have never heard of and have no idea who they are - am I done for? Is it too late or in my interests now to challenge. I tried to
  11. Just an update - very late - after I was served the papers for Bankruptcy and they were filed at court - guess what - no one attended so nothing happened!
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