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Finally want to settle my credit card and loan debts


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Hi Guys , i really hope you can help.

 

What can i do next in terms of the debts below? is it still possible to send off letters asking for credit agreements or is that not longer effective? can i settle? ive tried before but they all want 50-80%. i can just about afford 20 tops

 

Credit Cards

 

Arrow global ltd

default since feb2012

Owe 4,610

Currently paying 30 pm

 

hfc bank HSBC credit card - took card out jan 2007

Default since june 2008.

OWE 6120

pay 20pm

 

1st credit -

default since oct 2008

owe: 10,400

paid nothing since oct 2008

 

Apex credit management

default jun 2009

owe:11,380

pay 30pm

 

 

LOANS:

 

MBNA

owe: 6,270

not made payments since oct 2009

defaulted oct 2009

 

 

HSBC

owe 11,800

defaulted august 2008

pay 30pm

 

 

 

I had 7 more debts but all have been settled or satisfied 2 years ago.

 

ps not sure what card debts belong to what debt collection agency :

 

Please help me

Edited by helpmeee

stressed

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Hi,

 

Yes you can make CCA requests at any time they cost £1 statutory fee, they have 12+2 working days to comply use the template from the CAG library for this, address to the Compliance manager.

F& Fs have to be made with care, how long ago were the offers made.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi,

 

Yes you can make CCA requests at any time they cost £1 statutory fee, they have 12+2 working days to comply use the template from the CAG library for this, address to the Compliance manager.

F& Fs have to be made with care, how long ago were the offers made.

 

 

made ages ago, i just ask them on the phone when they call for their yearly account status check.

 

 

 

i will write the letters tonight and send them off with a cheque from my mum for £1. i think i don't even know the account numbers for some of them as i shred the letters but i am sure they can search for that?)

 

Do you think it will be sucessfull. Is it worth leaving 1st credit out as last contact was 2008 so nearly 6 years?

stressed

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Yes let 1st Credit alone for now.

F& Fs must be made in writting the oiks you get on the phone don't have any authority to make decisions that come outside the company ''script''.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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