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After sticking my head in the sand for way too long I've started on the road to clean up my credit history / outstanding debts. Anyone had any dealings with the below providers / how easy will it be to setup repayments with them?

 

Tower Credit (CCJ) - Paid

Capital One - £361

Motormile Finance - £221 + 2 others (not sure on the figures yet)

Payday Express - £135 - Waiting for an email back, will repay in full.

Lowell - £337

Express Gifts Limited - £93 - Will repay in full, just need to find who the debt was sold to.

 

Cash Genie - Huge interest on this one (Debt Value: £2,851.00) however they'll reduce it to £491 - Contact has been made with these, just waiting for a reply (offering to pay back £61.37 a month)

 

Trying to deal with the ones making the most noise to begin with, those being Motormile Finance and Lowell, the others are quiet at the moment and I'll deal with those at a later date.

Edited by invmatt
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With cash genie dont pay their unenforceable charges. Thats why theyve offered to drop the amount. They know theyll never be able to collect it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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