Threatened with Bankruptcy Help Please

[42man]

And don't be too specific with the exact figures / dates either as Lowells do read these forums...

[efisio]

C.C. five figure sum. (2 cards). There are other debts with other dca's. Not much else to tell really, see post yesterday at 14.28.

[dx100uk]

so's you're close to the sb date then?

 

when was YOUR last payment/use

 

 

dx

[efisio]

Not close enough. About 14 months to go.

[efisio]

OK.

 

I have checked my CRA file (experian), which seems like a waste of time.

 

Firstly the DCA are listed on only one debt, less than £100.

 

Some of my debts aren't even showing on the file, even though I know they are owned and not SB'd.

 

I have had a letter of assignment on one of the debts, but the dca is not on the cra file, I'm guessing just hasn't been updated.

 

So what is the point of getting the CRA report?

 

Is there something I should be looking for in particular?

 

Should I get reports from the other cra's?

[dx100uk]

well yes

if the debts aren't dhowing i'd SERIOUSLY question WHY you are paying them?

 

who said you needed to pay them, the ruddy fleecing DCA's?

 

dx

[efisio]

The problem being, that even though they are not on file, they do exist, and if they issue a SD, I need to know how to get it set aside, or make a decision to offer a token payment to avoid such actions.

For instance am i too late once they serve a sd? Should I try to make an arrangement before that happens?

[dx100uk]

check noodle too

 

dx

[dx100uk]

The problem being, that even though they are not on file, they do exist, and if they issue a SD, I need to know how to get it set aside, or make a decision to offer a token payment to avoid such actions.

For instance am i too late once they serve a sd? Should I try to make an arrangement before that happens?

 

you'll know about SD's in time.

 

they'll never chance their arm anyhow

 

the only way you'll ever get to the of these debts is to SAR each OC.

 

i suspect somehow you've managed to get yourself cash cowed into paying debts you never owed.

 

thats sadly what happens when people believe anything a DCA says is TRUE>

 

dx