Contact creditor or debt collection agency?

fergusor

Hi guys,

In order to get an actual figure of what I owe each creditor the cccs has told me to contact each creditor.

As most of my debts are now in the hands of debt collection agencies do I need to contact them instead?

Thanks.

philnicandamy

I found most wouldnt speak to me or were pretty difficult to contact....the receiver did say guestimates would be fine

fergusor

Oh ok, I thought I had to be specific with amounts. Do I just need to tell them who the debt was with originally then?

And if I missed one and the contacted me after br, would I be responsible for it or would br cover it even though I didn't declare it at the start.

dojoman

fergusor wrote: »

Oh ok, I thought I had to be specific with amounts. Do I just need to tell them who the debt was with originally then?

And if I missed one and the contacted me after br, would I be responsible for it or would br cover it even though I didn't declare it at the start.

All your unsecured debts at the time of your BR will be covered, whether you list them or not.

fermi

philnicandamy wrote: »

I found most wouldnt speak to me or were pretty difficult to contact....the receiver did say guestimates would be fine

I think nearly all mine were guestimates.

alastairq

hi guys...even the creditors provide guesstimates...........what you've actually borrowed...and what they want you to pay are from two totally different planets....smoke and mirrors?

Ineedaname

I haven't had statements from some of mine throughout the 4+ years of a DMP. So figures for those were based on last statements less repayments made (I use Microsoft Money so have a running balance) and I just rounded up to the nearest pound I think.

The others I had statements for but still put in my own figures from MS Money.

You can get figures from your credit reports though, if you want to make sure your figures match the creditors' figures a bit more closely.