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Help knowing the right thing to do


sirhc
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I owe £15k to Barclays bank (inc egg, current acccount) (unsecured)a

nd have arrangement to pay them back at £1 a month.

 

I have a mortgage, which the mortgage company (Santander) have allowed me interest only payments for two years

but from March goes up to present rate and I will need to find £1100 per month.

 

Due to redundancy I am not working.

My partner who is over 65 cannot work because of illness.

 

We are putting our house on the Market today to downsize.

 

If we pay off the £15k we will have trouble finding a property to buy.

 

If we buy new property can we still arrange to pay the debts on a monthly basis (say £100 per month)

or do we need to pay the £15k when we sell?

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no you do not.

 

have you ever looked at reclaiming?

 

many dents have PENALTY charges that inflate a debt and PPI

 

they can be reclaimed.

 

also check your credit file to ensure all your debts show.

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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no what makes you think you would?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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It is because I am very aware that I owe this money, and presumed that I HAD to pay it back when I moved. I got worried that they might demand I pay it back? but it would be nice to be able to get a nice home

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it is a civil debt

 

it has not been to court

they cannot 'force' anything upon you.

 

can i suggest you read a few threads in the barclays & barclaycard forum

 

you'll get the idea!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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