Clearing debts

softmind82

i m suffering from big problem from 1 year , i would really appreciate if any one can giv me right suggestion or any solution ...
well i got bank account with natwest 3 years ago and i still have it but i dont do any transcation in it , i was on my holidays 2 years ago , and now when i applied for loan from my other account which is with abbey and woolwich they jus rejected me , then i have come to know that one guy who was livin in a flat with me he applied for 2 credit cards on my behalf and took about 2000 pounds from them and which i dint even know , well
now i need to know how i can clear my debts and i m working full time from last 2 years and need to clear it out
is there any loan companies which can giv me loan for clearing my debt as my credit history is so bad ,
well one of my friend told me to chnage my date of birth and stuff like that but i m not comfortable , plz any one can sort me out
how i can clear this debts out, thanks

idiot_3

if someone else applied for and used cards in your name, then that is fraud, pure and simple. you shouldn't owe a penny! contact the creditors involved and explain the situation.

skintchick

And the police.

$17mma

I hope that you are not considering paying the debts that this guy ran up in your name..

Do as Idiot and Skintchick have suggested and call the police AND the creditor in question.

I would not advise taking out a loan to pay off your debts cause a loan is a debt...but maybe someone else can advise you on that. Work out your monthly income /expenditure or better still list it here so somone can take a look at it and advise you.

You are porbably in a state of shock right now after confronting your debt, but that is normal and you will panic to begin with.. take a deep breathe and contact CAB who will be able to help. Also read some of the posts on this site... there are so many people on here who can offer you advice. and support.

Check out the sites below to see how much you should pay and to whom and contact your creditors, write to them if you dont want to call them or meet with them...

http://www.nationaldebtline.co.uk/england_wales/debt_advice.php#6
http://www.whatsthecost.co.uk/snowball.aspx

Let us know how you are getting on...

black-saturn

Is there a time scale in which they have to do it by? My main concern is that he has left it too late and the Police will wonder why he didnt say something sooner and may presume he is trying to get out of a debt he ran up himself.

$17mma

black-saturn wrote:

Is there a time scale in which they have to do it by? My main concern is that he has left it too late and the Police will wonder why he didnt say something sooner and may presume he is trying to get out of a debt he ran up himself.

Black Saturn well done.. just seen your signature!! :j :j :T


Back to your commetn above..

Yes maybe there is a time frame.. but if he can prove that he left the accommodation and was not aware until now that may give him some footing..