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About Beans57

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  1. Having seen other posts and read your advice I have not yet. Further conflicting report. Now I have seen another post with makes reference to saving an emergency fund and a mortgage! And another in which the letters are just disregarded notwithstanding the correct address. I didn't manage to complete the tenancy process by the way with a housing association so now I am also known to an underwriter. as derrogory as that ever was.
  2. As in it should take up the courts time to frivilosuly, if it is going to be the same.
  3. And by the evidence of this forum, it is often for the nominal amount such as £5 a month in the first place that the court order (Or attachment of earning)! Which I know isn't much but could be enough to completely overwhelm people if they just find themselves in an awkward position through sheer chance or anything else out of their control, which those in a position do not always expect.
  4. Yes thank you, I was aware of that.
  5. Hello, please forgive me for not stopping offfirst to introduce myself. Great to see so much useful advice I might not have first considered! Thanks very much. Beans57
  6. Sold debts maybe, but I still spent money that was borrowed. As for the CCA being a little bit unfamiliar with it I want to ensure I get it right.
  7. £5 to each is feasible at this stage- assuming these arrangements continue without statute bar complication or complication at the end or complication of settlement. Furthermore, I have learnt Natwest also use Moorcroft themselves, so I was concerned about ending up with two debts and no bank to pay towards either.
  8. I fear that a bank would not accept that I forgot what earmarking was.
  9. This contradicts stepchange: "If your bank isn’t able to help, or you’d prefer not to stay with your current provider, we recommend setting up a new basic bank account with a provider that isn’t connected to any of your outstanding debts."
  10. Hello, (I hope I posted in the right place) A mix of mental health, employment, unemployment and homelessness. Generous student overdraft £2000 which is still active with Natwest. -I dont really want to leave them per se. And two ordinary credit cards (was £1000 Barclaycard but went to around £1091 and £1700 with Virgin Money that went to around £1900) which have resulted in default to my knowledge. I didn't want to 'lose' either of them. They date back to around 2016 and 2017, I had around two years of uninterupted minimum payment history that may be in my favour not missi
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