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Good morning all,
So after speaking with the very helpful Amethyst, she advice that I post a new thread out lining details to gage your response.....here goes!
Between 1998/99/2000 Not sure exact date I got a personal loan for £10k. Shortly after, I'd say within a year I fell behind on payments I was heavily in debt, behind on everything but was also falling behind on mortgage etc. got a couple of repo orders and finally decided that my priority was my house so completely stopped the £10K.
Within months I was contacted by DCA and despite the demands and bombardments of thretograms I buried my head in the sand in the hope all would go away and for a while it did, then they would start again and then stop and so on....
Well this went on for sometime and eventually I think in maybe 2001 or 2003 (i'm really not sure...I've tried to work it out....) I decided to sell the house as no matter what I done I was struggling....now I did receive a ccj for the 10K and was paying £50 but then stopped i'm unsure if it was issued at that house or new property.
Within months of living in the new property I began to get letters....threatograms and again I ignored (I really didn't realise the implications of a ccj) they would stop and then start again and then stop again etc. Eventually I sold the property in 2010, I made no profit I just broke even.
So bringing me to today.....I have received a letter 3 weeks ago from BC....asking me to confirm residence but did not mention debt etc. I firmly believe it is this one...some of you have kindly advised me to ignore as it is not up to me to inform them of my whereabouts...
However I don't think this is an option for me to have hanging over my head.
I'm in the process of having my dads deeds signed over to me in order to loan money against it for a mortgage....I cannot afford for this to crop up.
What I do know is that my credit report is clean, no defaults or ccj's. I believe this debt has been sold at least 3 times....in 2007 it was ECI that had it. I only know this because i found a letter on my laptop to them regarding it.
Lowell have it now I believe.
The last person I spoke to about it I mentioned SD (not knowing that ccjs are not SD but the calls and letters stopped for a while and so I thought it was over with.
I would really like some advice on how to handle this once and for all.
If I have to pay them I can in instalments but I don't want my credit file affected as myself and my partner are in the process of our mortgage going through.
Please, please advice,....letters I could send, etc.
Thank you all so very much.
So after speaking with the very helpful Amethyst, she advice that I post a new thread out lining details to gage your response.....here goes!
Between 1998/99/2000 Not sure exact date I got a personal loan for £10k. Shortly after, I'd say within a year I fell behind on payments I was heavily in debt, behind on everything but was also falling behind on mortgage etc. got a couple of repo orders and finally decided that my priority was my house so completely stopped the £10K.
Within months I was contacted by DCA and despite the demands and bombardments of thretograms I buried my head in the sand in the hope all would go away and for a while it did, then they would start again and then stop and so on....
Well this went on for sometime and eventually I think in maybe 2001 or 2003 (i'm really not sure...I've tried to work it out....) I decided to sell the house as no matter what I done I was struggling....now I did receive a ccj for the 10K and was paying £50 but then stopped i'm unsure if it was issued at that house or new property.
Within months of living in the new property I began to get letters....threatograms and again I ignored (I really didn't realise the implications of a ccj) they would stop and then start again and then stop again etc. Eventually I sold the property in 2010, I made no profit I just broke even.
So bringing me to today.....I have received a letter 3 weeks ago from BC....asking me to confirm residence but did not mention debt etc. I firmly believe it is this one...some of you have kindly advised me to ignore as it is not up to me to inform them of my whereabouts...
However I don't think this is an option for me to have hanging over my head.
I'm in the process of having my dads deeds signed over to me in order to loan money against it for a mortgage....I cannot afford for this to crop up.
What I do know is that my credit report is clean, no defaults or ccj's. I believe this debt has been sold at least 3 times....in 2007 it was ECI that had it. I only know this because i found a letter on my laptop to them regarding it.
Lowell have it now I believe.
The last person I spoke to about it I mentioned SD (not knowing that ccjs are not SD but the calls and letters stopped for a while and so I thought it was over with.
I would really like some advice on how to handle this once and for all.
If I have to pay them I can in instalments but I don't want my credit file affected as myself and my partner are in the process of our mortgage going through.
Please, please advice,....letters I could send, etc.
Thank you all so very much.
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