messy debts

[TheScrapMan]

hey everyone.

 

when i was 18 in 2007 i took out loans, credit cards and anything that i could get my hands on.

i did this because im an idiot.

i have never made a single payment to anyone.

Not even to the original creditors.

 

Now i am 24 and i have moved out of my parents house and into another house with my girl friend.

i have transfered all my banks, driving licence, insurance details to my new address.

 

since living here i have been accepted for a capital one secured card and littlewoods witha £750 limit.

 

I thought i'd apply for a payday loan with paydayexpress and i got accpted.

I paid it of three days later.

The next day i receive a confirmation letter from paydayexpress about my £100 payday loan.

The return address of the letter is an office in bristol.

 

In the same bunch of mail i had a debt collection letter from a comopany called "debt managment services" ,

the return address of this debt letter was the same as payday expresses. very odd i think.

 

Now, for the first time ever, ever i have received a phone call from someone asking for me on my house phone.

i gave my house phone number to paydayexpress on their online form.

 

do you think that the two companies are part of some bigger mother company?

 

also

 

I owe hamptons legal £597 and

cabot finanial £820.

 

Does anyone think cabot will try for bankruptcy because its more than the £750 threashold.

Cabot have never sent me one letter funny enough.

 

They report my default each month to the credit agencies without fail.

But still at my old address and it shows up as a search on my file at my new address.

 

Does anyone think hamptons legal will try for a ccj?

i ask this because i have read alot about the lowell trio.

 

i also owe red collections £350 & £297.

 

I don't think it would be long until they end up with Hamptons.

the lowell group have been sending letters to me at both address since as far as i can remember.

sometime they even send letter to my brothers house.

i aint got a clue how they know hes my brother as i do not have any financial link with him at all nor to his address.

 

all of these debst will be statued barred jan 2013 and march 2013.

i know this because the account opening date is stated on my credit file

and i have never made a payment or contacted them in any way.

 

if they do go for a ccj,

how will they let me know their intentions?

i could just not accept any mail from them, do you think this is wise?

 

myself i think it is worth the gamble and not paying nothing, saying that, i cannot afford to pay anything.

 

i work self employed and only pay national insurance contributions no tax.

Can debt companies view my tax returns some how to see if i earn the money for them to take off me?

 

sorry about going on so much. but any input is very welcome.

 

lowell search my credit file every single day even weekends using my old address and my new address.

Both address show up my my credit file does this mean they're serious?

the change of address must have been reported to credit agencies by my bank and the council.

 

all told i have at least 12 defaults ranging from £250 to £820

and all from the same timespan but none of the creditors ever contact me.

does anyone know why this is?

 

So, my question is does anyone think hamptons are going to take action against me for this debt and the other two smaller ones?

[renegadeimp]

If you get unsolicited calls like that, just dont give them any information, just put the phone down. By the sounds of it, your debts are due to be SB'd soon, so why deal with all the hassle.

 

Also, you talk about bankruptcy. You NEED to calm down and stop thinking ahead like that. Despite what you read, don't worry at all, until something of substance gets mailed to you, take a deep breath and get on with your life. IF ( and its a big IF), they start sending letters, post them up here, minus any personal info and we can advise.

 

It seems to be a popular thing with DCA's lately going after debts that are due to be statute barred in the very near future. All they need is for you to admit liability and the 6 year timer gets reset, and you become fully liable for all amounts.

 

Meanwhile, if you are still worried, check your credit profile in full with all three agencies and see what is being reported. If you dont see one of your debts there, then you dont need to worry about it.