Advice needed to avoid harassment

[donoharm]

I have significant debt in uk.

 

 

I don't currently have any funds and will be looking for a job before i can make repayments.

 

 

I need advice on how to avoid harassment by debt collectors during this period.

 

 

For example if i were to take out a phone contract ,

 

 

will the debt collectors be able to find me by searching my credit file.

 

 

Should i avoid getting into any new contracts until i have finances to negotiate with debt collectors?

[renegadeimp]

Can you give us breakdowns of your debts please. its not wise to bury your head in the sand, as some DCA's can be pretty litigious.

[Bazooka Boo]

They can't have what you aint got!

 

Harassment is a criminal offence and is easily dealt with.

List your debts, and who too, this will allow CAGgers to give you the correct advice.

 

Loans? Credit Cards? Overdrafts? Store Cards? What?

When where they taken out,

How old are they?

How much are we talking?

[BRIGADIER2JCS]

Can you give us breakdowns of your debts please. its not wise to bury your head in the sand, as some DCA's can be pretty litigious.

 

Hi, What manner of contact is being made by DCAs now, if any?

 

When contacted by phone, Do Not answer 'security' questions, clearly state 'in writing only' and hand up.

Mobile phone calls, block numbers if possble.

e-mails, best ignored, don't reply apart from stating all contact to be made in writing and sent by Royal Mail.

[fletch70]

Isn't this a bit of chicken and egg, you have debts which may well be on your credit file and if they are it may be difficult to get other finance such as a mobile phone contract

 

It is relatively simple to bat off most DCA's however if you have money/a job and they hold a valid non statute barred/enforceable debt you could easily find yourself in court.

[donoharm]

Can you give us breakdowns of your debts please. its not wise to bury your head in the sand, as some DCA's can be pretty litigious.

 

It is roughly 25000 pounds. there are 10 creditors. the debts are 5 years old. all are credit card debts. the reason why asked the question is that i wanted to save some money and them enter a full and final settlement with the creditors.

[fletch70]

I am sorry to say you are reaching the danger point at the 5 year mark. I assume you mean it is 5 years since they were defaulted? How long ago were they taken out?

 

I know this may sound crazy but if you have no assets and no job they are less likely to go after you in court and if they do you will be able to get a really low repayment of say £1 a month. If they do start to go after you and they gain a CCJ there would be the option of BR although that has consequences and costs money but clears all your debts usually within 12 months

[donoharm]

If i were to declare bankruptcy. do you know how much it will cost?

 

Is there a bank which offers bank accounts for bankrupt people?

 

I have also come to know that if you have been abroad and come to uk then want to declare bankruptcy in the first 3 months since u have been in uk you have to go to high court in london, is that correct?

[dx100uk]

pes i'd attack them if you start getting threat-o-grams

 

for now WHY do you even need a contract phone?

 

go payg.

 

see what happens then fire off CCA requests if you need too.

 

dx

[fletch70]

Dx is correct in saying that you should deal with them only when and if they contact you and there are some really good deals to be had on PAYG phones.

 

You ask about BR

Cost wise it is £525 + court costs of about £225 I think. You can get the court fees paid if you are not working and in receipt of certain benefits.

As for bank accounts , I understand that once you have gone BR then Barclays offer a basic bank account.

 

Give National debt line a call for more info but do be aware that BR is a big step with big potential consequences