help with credit card

zak24

Hello everybody im new to this site. I have an outstanding debt on a credit card (capital one) approx 1600.00. I have not used the card for a couple of years since moving address and i want to know if they can find me as they have not got my new address. Do i contact them and offer to try and pay the debt off or forget about it. My circumstances have changed since i got the card and im now claiming income support.
advice would be appreciated thank you

gomer

I think you should contact them and acknowledge the debt. :money:

PARIS_5000

If your name is on the ER roll they will find you and even through you have not paid on this debt for 2 years it may still have interest and changes being added. It is very likely that the debt is now with a debt collection agency who own the debt or are managing it . I was in your situation and now know it best to come clean on pay on the debt even if its only a token payment of £1 a month which is all they can make you pay because you are on income support.

You will be affected for 6 years because you will have adverse information on your credit file stopping you from get simple things like a new bank account and will have to wait for the default to drop off.

I managed to pay off my debts and my credit file is clear so I know you can be helped.

Speak to National debtline or CCCS ASAP Before you speak to capital one or the debt collection agency.

Hope this helps

Andybez38

You can run but you can't hide. They always find you.