just a bit of honest advice needed and will be greatly appreciated.
as we all know everybody makes mistakes but will give u a quick rundown of mine.
approx 6 year ago i was debt free with a credit of around 25k
well me being me i decided to spend it when i was in trouble in and out of work etc etc.
if i remember the detbs were as follows approx
mbna 6500
mbna 3500
barclaycard 4000
barclaycard 3500
halifax 4000
santander loan 2500 outstanding was 8000
and a few store cards.
since around 2010 have made no payments on any of these cards and ignored all letters & numerous phonecalls.
mbna 6500 have given me a ccj (through varde investments) which no payments have been made as i could not contact varde to make payments. this has now been passed onto aktiv kapital who are starting proceedings with my other MBNA 3500 debt. I have declined this as i have asked for a copy of of my CCA.
As you could imagine none of the original creditors now own these debts and receiveing letters of numerous companies wanting money.
Would i be right in asking the current companies writing to me for a copy of my CCA before i go anyfurther?? Is this the same as a proof of debt letter?
I have made a speadsheet with the original creditor and the account number and amount owed. Also on there is who is now pursuing the debt.
Could somebody give me a step by step guide in what to do in this dreadful situation I have got my self into.
any info will be greatly appreciated because after many years im getting sleepless night with the threat of bailiffs and currently being treated for stress off my doctor.
thanks in advance
as we all know everybody makes mistakes but will give u a quick rundown of mine.
approx 6 year ago i was debt free with a credit of around 25k
well me being me i decided to spend it when i was in trouble in and out of work etc etc.
if i remember the detbs were as follows approx
mbna 6500
mbna 3500
barclaycard 4000
barclaycard 3500
halifax 4000
santander loan 2500 outstanding was 8000
and a few store cards.
since around 2010 have made no payments on any of these cards and ignored all letters & numerous phonecalls.
mbna 6500 have given me a ccj (through varde investments) which no payments have been made as i could not contact varde to make payments. this has now been passed onto aktiv kapital who are starting proceedings with my other MBNA 3500 debt. I have declined this as i have asked for a copy of of my CCA.
As you could imagine none of the original creditors now own these debts and receiveing letters of numerous companies wanting money.
Would i be right in asking the current companies writing to me for a copy of my CCA before i go anyfurther?? Is this the same as a proof of debt letter?
I have made a speadsheet with the original creditor and the account number and amount owed. Also on there is who is now pursuing the debt.
Could somebody give me a step by step guide in what to do in this dreadful situation I have got my self into.
any info will be greatly appreciated because after many years im getting sleepless night with the threat of bailiffs and currently being treated for stress off my doctor.
thanks in advance
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