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I am desparate for help...

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  • katsu
    katsu Posts: 5,050 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Chloe - if you are dreading ringing, write to them and send it recorded delivery, as Eager Elephant suggested.
    Debt at highest: £8k. Debt Free 31/12/2009. Original MFD May 2036, MF Dec 2018.
  • handyman123_2
    handyman123_2 Posts: 2,029 Forumite
    chloe1 wrote: »
    I am not sure what this means? Sorry to sound so thick but am not great with this kind of stuff. The accounts were opened before 2008, I know that for sure.

    Thanks for all the help you have given. I have decided to bite the bullet and call them both tomorow to explain that I can't pay this month. I am absolutely dreading it - they are awful and I am scared of how they will speak to me and what they will threaten. But I feel that at least if I let them know then they can't accuse me of ignoring the payment.

    Hi, what I was suggesting is that if you are going to srcew you credit rating by gettin defaulted asking to see a copy of your CCA is a way of officialy putting things on hold. The other way is to make some sort of token payment to keep them off your back. There are others on this site more knowlegeable than myself. So if I give you a bump back to page 1 maybe the cavalry will arrive. Certainly dont contact them till you have firm advice.

    Best wishes handyman123.
    Mother Nature Don't Draw Straight lines, We are Broken Moulds in Life's Grand Design, We look a Mess but we're doing fine,
    Life Long Card Carrying Member Of the Union of Different Kinds.
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