Bobbie needs some help

[nanna58]

Re: Bobbie needs some help

hi bobbie and welcome..... ;Hi1 ....we are all in the same boat so you do not need to feel ashamed.By the way good things happen on the 29 oct (my b day) so nothing bad then. ;-y listen to nid and youll be just dandy

[Never-In-Doubt]

Re: Bobbie needs some help

Seems Bobbie has gone into hiding.....? ;Hmm

[LooLoo]

Re: Bobbie needs some help

I'll give her a kick!

[Never-In-Doubt]

Re: Bobbie needs some help

I'll give her a kick!

LOL, not too hard now sunny! We don't want to scare her away now ;LOL ;LOL

[LooLoo]

Re: Bobbie needs some help

If it makes you feel any better I not hear from her either ;LOL ;LOL ;LOL

s'ok I only come up to her shins so my kick wouldn't cause her any lasting damage

[Never-In-Doubt]

Re: Bobbie needs some help

I have actually decided to get my head right out of the sand.......

and my friend Loo has pointed me here.

So here is my story so far and reallly need to know which way to turn.

My total debt is around £26K and at the moment I am in a DMP with Personal Touch Debt solutions.

My debt is made up as follows, and I really need to know what my best options are. All debt was taken out before 2007.

Egg Card Services £9262 (have been receiving letters from Cabot about this)
Egg Loan service £9035
NatWest Lending Centre £4000
MBNA (Virgin card) £4128

I think i did have PPI on most of the accounts (def with Egg and Virgin - need to find paper work) but stopped paying the PPIs over a year ago.

My debt management company is charging me approx £20 per month for their services.

So really not sure what the best way is for me go.......

Interest has been frozen on MBNA but nothing else.

Thanks
Bob!

Hiya

I've seen your credit report and to be quite honest I think you'd be better continuing with your DMP - it is pointless rocking the boat here, yes the accounts were taken pre 2007 but thay are likely to be enforceable due to the start dates. Thing is, can you actually afford the DMP and what is the estimated completion date of it?

I really don't think pursuing UE is in your best interests, especially considering you've never been back here - thing is to deal with UE you need to invest a lot of time, which evidently you don't have. Therefore, sorry but I cannot really help too much. :grumble

Best of Luck - if you decide you want to take this route then i'll help, course - but you need to start spending more time here asking questions and finding out the process.

Niddy