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Debts sold to Debt Collectors - help to negotiate reduction


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Has anyone dealt with debt collectors and had success in reducing the interest / charges removed to pay for the actual debt.

 

If you have I could really do with some help as have some bad old debts that just keep resurfacing and now need to face up to them and arrange to settle to become debt free.

 

 

Any help would be really appreciated.

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Why do you think you need to be debt free??

What does your credit file say?

 

Who says the debts are even enforceable??

Have you checked??

 

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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Please list all your debts including companies chasing you, current owners and all relevant dates.

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

:D

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Why do you think you need to be debt free??

What does your credit file say?

 

Who says the debts are even enforceable??

Have you checked??

 

Dx

 

 

Hi, my credit is not so good and most of my old debts have now tailed off the 6 year mark but I have 3 on my credit report causing me issues, one where there is a claim made in court, the other no action but I anticipate there soon will be and I have an outstanding CCJ which I am going to attempt to clear.

 

 

I know the debt has been assigned to Lowell and the statement I have received shows a number of charges and interest which if removed would then not to amount to as much as is claimed.

 

 

I am in a real confused state and just need to know how to write to them requesting removal of the charges and then I could agree an amount to pay off.

 

 

I am also trying to find the snowball calculator which should help me get everything in one place and a plan of action.

 

 

Hope this helps you answer my questions.

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Forget writing to them for the moment. List them all with as much info as possible. We can definitley help you

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

:D

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