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Domestic Violence now left with Major debt - all in my own name


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Hi All 

 

I am posting here as I have two major life issues on the go at the same time.

 

so i have £52k of unsecured debt.  i own my own home - help to buy mortgage and have recently been advised by a one of the adverts to go into an iva to protect my house 

 

But i understand that i dont have to do that?

 

i need to sort out the following info

 

original creditor

type of credit

when taken out

how much is outstanding

defaulted date from credit file

who owns the debt now if a dca

last payment date and to whom

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An advert advised you to take out an IVA???

 

You're right NOT to take an IVA out.

 

As you have already stated, what is the debt, who owns it, rough figures, and when did you take it out and last pay towards it.

 

Have you informed any of your creditors that you are in financial difficulty?

 

 

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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scammers united.

they take 99% of your £PCM for fees every month and then fwd maybe £5-£10 to each creditor.

then when the xx (5?) yrs is almost done they come up with some BS story to make you extend it.

don't ever do an IVA esp if 99% of debts are consumer credit.

 

get your list up please

 

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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What are the debts please?

 

Who owns them?

 

How much are they?

 

Who is chasing you for them?

 

Have you informed your creditors you are in financial difficulty?

 

Who is your mortgage with and are they aware of your change in circumstances?

 

 

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Your mortgage is your priority, you must keep a roof over your head, this is why we need to see what the debts are and whether they are priority debts or not.

 

You MAY be able to take a payment holiday with the mortgage, to give you a bit of breathing space.

 

Get everything in a list,

Name, Amount, Due, last paid, 

 

Nothing is insurmountable, it can all be dealt with very easily, years ago I had circa 60k of debt when I was made redundant so I understand the sleepless nights and foreboding.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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