Lapper
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Hi I've just been checking through my credit report and it quotes my current balance at £1.00 but my default balance at £5k - which is the one that I should be taking notice of? I am looking to contact the DCA and offer a settlement figure but obviously don't want to if the debt has already been written off or is in the process of being written off. Thanks
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Newbie: Info on CCJ's & Debt collection process please
Lapper replied to Lapper's topic in Debt management and Debt self-help
I have the CCA's (I'm assuming by CCA you mean the credit agreement)from when I first took out the loans, albeit packed away abroad somewhere - what would I need to be looking for on the CCA? I have no idea what charges they have added since I defaulted and whether I could claim them back. As I mentioned before I want to clear the debt but really don't know the best way to make the initial contact and how to position myself.... what to offer, not offer, what rights I have vs what rights the DCA have. -
Newbie: Info on CCJ's & Debt collection process please
Lapper replied to Lapper's topic in Debt management and Debt self-help
Hi, The loans and credit cards were taken out some time ago in maybe 2006/2007 and yes they were all on-line and unsecured. -
Newbie: Info on CCJ's & Debt collection process please
Lapper replied to Lapper's topic in Debt management and Debt self-help
I have checked that I do not have any CCJ's as I am signed up with Experian for my credit report - is there another way I can check? I believe I have been receiving correspondence from the creditors and DCA's whilst I have been away to an old address and they have recently started sending them to my new address. -
Newbie: Info on CCJ's & Debt collection process please
Lapper replied to Lapper's topic in Debt management and Debt self-help
Hi Scott, Thanks for the quick reply! The main loan is with Egg for about £10k, currently being chased by Lowell financial and the other is with Lloyds bank for £4k being chased by Debt Management Ltd the credit card is at £2k being chased by Intrum Justitia (no idea who the lender is) and MBNA at £5k being chased by Link Financial - all have been defaulted for about 2 years and I have yet to make first contact with them. Any advice you can provide would be most helpful Thanks Lappers -
Hi,I'm currently defaulting on a number of loans and credit cards, I have been out of the country and have not managed to keep up the repayments but I am back and would like to sort out my debt problem. I have been receiving letters from debt collection agencies stating that they will start 'debt recovery proceedings' in 7 days and obviously I'm worried that this will result in a CCJ. Can anyone let me know what the procedure is for such a process and how best to go about negotiating either a final settlement or monthly repayment and whether there are any pitfalls that I need to be aware of, my main concern is that I'll be asked to pay more than I can afford as a couple of the loans are quite large. Many Thanks Lappers
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