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I want to clear my debts/credit report


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Hi,

 

Over the years I used this site to keep the wolves at bay,

having two CC claims withdrawn,

1 settled for around 20%,

countless DCA go away and

the help and advice has always helped, especially with keeping me sane.

 

Now I am in a position, thanks to a bit of windfall to look to pay off/settle some debts

- the wish is that in 6 years we might be able to look at a mortgage

- something we haven't been able to even think would be an option before.

 

So could I ask for some advice please again?

 

My windfall is about 80% of my total ownings of around 15K

 

The following are my debts:

 

JDW Cat Debt £3000 - Statue barred

 

- old CC claim from 2019 just sitting there, defence filled but nothing happened since

 

Caboot - Overdraft - £900 - Defaulted in 2019

 

TSB Overdraft - £900 - Defaulted in 2019

 

ACI My Jar - £2255 (although its listed as £4500 - think they kept charging interest) Defaulted in 2019

 

Virgin Mobile £1500 - Defaulted in 2019 - For handsets

 

United Utilities £3000 - Previous years water supply (they have offered to put me on the payments matching scheme)

 

Caboot £900 - No idea what for - Defaulted July 2017 so falls off in July

 

Debt Managers - £917 - Was in CC claim, but they withdrew after I followed advice given on here :) - Defaulted in 2019

 

Npower/EON Next - £2000 - they previously offered 25% settlement figure (so 75% off) - seems to be in limbo since Npower sold to Eon Next. 

 

 

 

 

 

 

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go have a holiday or burn the money, far more use than paying debts off that wont do ANYTHINg to improve your chances of a mortgage.

 

defaults are there for 6yrs regardless to paid, paying or not.

 

CCJ's the same regardless to paid paying or not .

 

1 hour ago, SirHumpy said:

ACI My Jar - £2255 (although its listed as £4500 - think they kept charging interest) Defaulted in 2019

irresponsible lending?

 

1 hour ago, SirHumpy said:

JDW Cat Debt £3000 - Statue barred

does the debt owner know this from YOU?

 

1 hour ago, SirHumpy said:

Caboot £900 - No idea what for - Defaulted July 2017 so falls off in July

no 6yrs from defaulted date

 

1 hour ago, SirHumpy said:

United Utilities £3000 - Previous years water supply (they have offered to put me on the payments matching scheme)

whats a matching scheme, you pay £30PCM they pay £30PCM type thing?...if so SCAM, so you dont owe all the bill then:pound:

 

all the rest i would IGNORE as long as the DEBT OWNER has your correct address IN WRTING FROM YOU, if you have moved since taking it out

 

is the home jointly owned?

 

  • Like 1

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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8 hours ago, dx100uk said:

irresponsible lending?

Tried, they denied it - then went bust.

 

8 hours ago, dx100uk said:

does the debt owner know this from YOU?

Yes this is the one that just seems stuck in the County Court system, been sat there for two years since I filled my defence.

8 hours ago, dx100uk said:

 

no 6yrs from defaulted date

Ah yes my math was out on that one, its next year

8 hours ago, dx100uk said:

all the rest i would IGNORE as long as the DEBT OWNER has your correct address IN WRTING FROM YOU, if you have moved since taking it out

We moved recently - had an issue with the CC a case that was sent to the old address, managed to sort this before they got a default judgement (they discontinued) - will send on as you suggest to the others.

8 hours ago, dx100uk said:

is the home jointly owned?

We rent at the moment.

 

Thanks for replying 

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1 hour ago, SirHumpy said:

Tried, they denied it - then went bust.

if aci international are not chasing then until/if you get a letter of claim, ignore. paying it off will not remove any default its there for 6yrs regardless.

 

1 hour ago, SirHumpy said:

Yes this is the one that just seems stuck in the County Court system, been sat there for two years since I filled my defence.

then the claim is stayed, not going anywhere and it will not cost them £275 to lift the stay.

1 hour ago, SirHumpy said:

We rent at the moment.

good 

 

...so a total waste of money to pay any debts off... wouldn't change a thing in your situation.

 

you almost wasted £12k there!!

 

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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