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Hello i am 24 years old, around 4 year years ago i lost my mother, i subsequently spent the next two to three years going off the rails and getting into debt, i am now stable and working full time as an estimator and going to uni one day a week to attain a degree in engineering.

 

I have just signed up to experian to view my credit rating and the extent of my debt is as follows.

I want to sort this mess out but dont know which way to start as it is such a mess.

 

Court information

9000 unsecured loan nationwide which i now have a ccj for

3500 overdraft which i now have a ccj for

Credit agreements

691 credit card stopped receiving letters now

142 Tmobile

3346 natwest

 

These are the ones that show on my credit report.

i also owe

an unknown amount to payday lenders estimated £1500

 

2 years council tax, the debt was sent to equita, they sent it back to the council and it is now back with equita

 

700 water bill

 

700 gas repaying 5 pound a week off meter

 

1400 electric repaying off meter

 

there may be more that i am unaware of

 

Financial situation

 

i have a mortgage owing £43000 on a £12500 so around £80000 equity

2000 arrears but a payment plan in place.

 

the only debt secured on the house is the mortgage.

 

any advice, no matter how small will be much appreciated.

 

many thanks

Edited by honeybee13
Not a good idea to publish your name on a public forum.

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Ask them for the contracts - thee wont be any as they never sign( only ever witness your signature)

 

Please explain a witnessed signature it ok imo???

Edited by citizenB

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Hello i am 24 years old, around 4 year years ago i lost my mother, i subsequently spent the next two to three years going off the rails and getting into debt, i am now stable and working full time as an estimator and going to uni one day a week to attain a degree in engineering.

 

I have just signed up to experian to view my credit rating and the extent of my debt is as follows.

I want to sort this mess out but dont know which way to start as it is such a mess.

 

Court information

9000 unsecured loan nationwide which i now have a ccj for

3500 overdraft which i now have a ccj for

Credit agreements

691 credit card stopped receiving letters now

142 Tmobile

3346 natwest

 

These are the ones that show on my credit report.

i also owe

an unknown amount to payday lenders estimated £1500

 

2 years council tax, the debt was sent to equita, they sent it back to the council and it is now back with equita

 

700 water bill

 

700 gas repaying 5 pound a week off meter

 

1400 electric repaying off meter

 

there may be more that i am unaware of

 

Financial situation

 

i have a mortgage owing £43000 on a £12500 so around £80000 equity

2000 arrears but a payment plan in place.

 

the only debt secured on the house is the mortgage.

 

any advice, no matter how small will be much appreciated.

 

many thanks

 

Daniel O'Donnell

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You need to sort out an Income & Expenditure sheet such as the one below.

 

Your priority debts will be your utilities - Council tax in particular. Then your CCJs.

 

Did you defend these ?

 

 

Ellens Budget Sheet.xls

 

The other non priority debts are way down the list.


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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Were you able to secure installment plans for the CCJs ?

 

When did you receive the CCJs ?


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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i havent done anything with any of the debts until yet, upunitll now they have been totally ignored.

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