Debt and Loan Help Pleazzzzzzee.......

[Never-In-Doubt]

Re: Debt and Loan Help Pleazzzzzzee.......

They will bark and make threats but that's all. If for any weird reason they took action then you

A) come to a monthly agreement or;
B) fight it with help from our solicitor Paul

However you'll get hassle from dca's that's about it. What you aim for is statute barred so basically ignore the buggers for a few years!! Or as I say don't pay for 3-4 months and save like mad then we can try help negotiate F&F offers to settle for less than the original sum borrowed. Or let's get you on a dmp paying £1 per month forever lol.

Upto you really. We'll back you no matter what you decide.

[furryboo]

Re: Debt and Loan Help Pleazzzzzzee.......

lol! Thank you! I am so glad I found you!

Ok, I have a shot credit history now anyway! So I need to think what would be my best option. I would love to buy a house by the time I am 40 with my wife, which gives me 5 years to get a mortgage! What would be my best option: -

Change debit card and not pay them?

Get on a DMP, but will this not effect my credit rating long term? (WHo do I talk to about an DMP?)

Or see if my relative can get a loan at a hign APR but that is lower than the APR on my curret debts (Lowest APR is 38.9%) and if so where will I be able to get this loan?

Thanks

furryboo

[Never-In-Doubt]

Re: Debt and Loan Help Pleazzzzzzee.......

If I was you I'd change card and stop paying. That's what I'd do.

If and when they write, post here and we'll help with responses etc.... You need to get defaulted ASAP (so stop paying) then 6yrs later your credit file will be clean. Pointless dragging it out with a dmp.

[furryboo]

Re: Debt and Loan Help Pleazzzzzzee.......

Ok,
All sounds a little scary but that is what I will do! Will sort out a new debit card tomrrow!

Any further advice or guidance I would be extremely grateful.

Thanks

furryboo

[furryboo]

Re: Debt and Loan Help Pleazzzzzzee.......

So nervous about this but I will go with you all and not pay them!

2 other quick questions. I have an egg loan from 2001 that I am still slowly paying, where do i stand with this? and shall I try to cliam PPI back on this?

Thanks

furryboo

[Deepie]

Re: Debt and Loan Help Pleazzzzzzee.......

So nervous about this but I will go with you all and not pay them!

2 other quick questions. I have an egg loan from 2001 that I am still slowly paying, where do i stand with this? and shall I try to cliam PPI back on this?

Thanks

furryboo

what's the balance ?

[furryboo]

Re: Debt and Loan Help Pleazzzzzzee.......

£4290ish!!!

[Deepie]

Re: Debt and Loan Help Pleazzzzzzee.......

wouldn't harm doing a----------->CCA Request

[furryboo]

Re: Debt and Loan Help Pleazzzzzzee.......

OK, will do! Will kepp you posted on that and the other issue's. One other quick thing, would it cause a massive issue if I changed my home address to my parents address on these payday loans?

Thanks

furryboo

[CleverClogs (RIP)]

Re: Debt and Loan Help Pleazzzzzzee.......

It might for your parents.

Do you really hate them enough to do that?

[furryboo]

Re: Debt and Loan Help Pleazzzzzzee.......

lol!!! Nah, if is will jsut be loads of post that comes through then they will be fine with it, if door knocking will occur or anything else that that is different!

Thanks

furryboo

[furryboo]

Re: Debt and Loan Help Pleazzzzzzee.......

Also will I get hassled at work by these payday buggers?!?

Thanks

furryboo

[Deepie]

Re: Debt and Loan Help Pleazzzzzzee.......

Also will I get hassled at work by these payday buggers?!?

Thanks

furryboo

If you do send them this------> Harassment by Telephone at Work

[furryboo]

Re: Debt and Loan Help Pleazzzzzzee.......

You are all so wonderful, I hope I get everything sorted and can one day take you all out for a drink!

furryboo

[Deepie]

Re: Debt and Loan Help Pleazzzzzzee.......

You are all so wonderful, I hope I get everything sorted and can one day take you all out for a drink!

furryboo

you might regret saying that............