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Can someone please advise me - i need help
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xclarebearx
Posts: 7 Forumite
Ok, im a bad credit risk. I dont know what to do about it. Heres as much as i can tell you.
2001 - hsbc loan, 10k, - refinanced 2006 - 9k outstanding - never paid since 2006.
2004 - capital one card, £1400 balance, never paid back.
2006 - tesco loan - 6k - not paid since 2006.
2007 - first national mortgage - 47k over 25 years, shared ownership 50%. (had payment problem due to losing job 3 times in a year, owe them £1200 in arrears now - threatening repossession.
No other credit in my name. I have a car, but my dad took that out in 2007 for me and i pay him the money monthly for it. payments finish end this year.
I have a boyfriend and we are planning to get married and live together. what can i do about this mess im in?
Is bankruptcy the best option of me, to be able to clear my credit file and start again.
thank you.
2001 - hsbc loan, 10k, - refinanced 2006 - 9k outstanding - never paid since 2006.
2004 - capital one card, £1400 balance, never paid back.
2006 - tesco loan - 6k - not paid since 2006.
2007 - first national mortgage - 47k over 25 years, shared ownership 50%. (had payment problem due to losing job 3 times in a year, owe them £1200 in arrears now - threatening repossession.
No other credit in my name. I have a car, but my dad took that out in 2007 for me and i pay him the money monthly for it. payments finish end this year.
I have a boyfriend and we are planning to get married and live together. what can i do about this mess im in?
Is bankruptcy the best option of me, to be able to clear my credit file and start again.
thank you.
0
Comments
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Talk to one of the debt chariities, they will be able to help you.
https://www.cccs.co.uk/
https://www.nationaldebtline.co.uk/
https://www.citizensadvice.org.uk/:pB&SC No. 298
Life`s Tragedy is that we get OLD too soon
and WISE too late!0
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