SassyBr
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Old debt, being VERY hassled - please, please help.
SassyBr replied to SassyBr's topic in Debt Collection Agencies
Thank you all so, so much - I'll send the letter today - I really do appreciate your advice, thanks -
Hi everyone - this is my 1st post therefore I am sorry for its begging nature but I could really do with some advice. When I was in my late teens/very early 20's I got myself into some hefty debt, I was stupid and made huge mistakes - in the end with various people/agencies hassling me I turned to my parents and they paid off most of the debt - I say most because there were a few things I'd forgotten/was embarrased to mention. I buried my head in the sand, suffered with very bad credit for many years - but the hassling stopped, and I stupidly thought they debt had been written off. I am now 32, married and very settled, - I had bad credit for a LONG time, but now have a mortgage, credit cards and a bank account all resulting in a very good credit rating - back in November last year I did a credit report before we got our mortgage to check I'd be ok to get one, and my credit rating was 999...since then I have been utterly bombarded by debt letters from Rockwell debt agency and Mackenzie Hall - I'm guessing they have got my details from my credit report? they still address the letters to my maiden name. ALL of these debts are over 8 years old - I've been with my husband 8 years and all of these debts were before him - tbh I can't even remember what they were originally for. What can I do? I assumed they'd be statute barred by now? They do not appear on my credit file on experian. I'm being threatened with debt collectors/baliffs/CCJ's - obviously with our mortgage I dont want to risk getting another bad credit report....I'd really appreciate some help.
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