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1st ever post,sorry if not posted in right place , debt help plz
right here goes......... i have debts totally about £18,000 (omg thats the 1st time ive addmitted that ) i racked these up when i was younger (so probs m ore than that now) basically a visious circle getting debt to clear debt , the biggest baddest loan was at the age of 21 as a single mother working 18 hours a week popping in to bank for a £20 over draft to be told ' sorry you cant have an overdraft on your account but you can have £11,250 loan on your other account BLIMEY TSB i said ill just take £10,000 , stupid of me yes i didnt ask for it they offered it i took it paid of remaining debt - but then problems started as i could not afford the monthly payments i then stated getting shopping vouchers from credit companies as i couldnt pay the loan and manage to live there fore just getting myself in more debt. i wrote to bank asking to reduce payments to be told 'its your debt you have to sort it'
now approx 6 years has passed and i have had no creditors contact me as everytime i move i didnt give out my address , i also believe that they may have become statute barred now , my main worry is i want to move house but i will have a credit check done against me if they are statute barred will they have gone off my credit report , i also went to check my credit report online but to do this they need bank details i have not had a bank account since tsb took my bank cards off me via the cash machine years ago i also years ago tried opening a bank account with another bank but not allowed one as i obviously failed credit checks, i use my partners account - so for years i have not been traceble as ive stayed with friends/family etc the only place my name is held is working tax credits and council tax as they have an attacement to my earnings , but im sick of hiding it upsets me i tried writing letters to sort the debt all those years ago but nobody would help and one day told myself forget it all., i have no bank account dont believe i can get one, cant view my credit report , i so stuck as what to do my friend said i should just go and open a bank account now to see if they will give me one but make sure 6 years has past otherwise i will be opening a big can of worms by putting my address on a credit search for all lenders to see. apologies for the huge post but needed to explain. any advice plz
now approx 6 years has passed and i have had no creditors contact me as everytime i move i didnt give out my address , i also believe that they may have become statute barred now , my main worry is i want to move house but i will have a credit check done against me if they are statute barred will they have gone off my credit report , i also went to check my credit report online but to do this they need bank details i have not had a bank account since tsb took my bank cards off me via the cash machine years ago i also years ago tried opening a bank account with another bank but not allowed one as i obviously failed credit checks, i use my partners account - so for years i have not been traceble as ive stayed with friends/family etc the only place my name is held is working tax credits and council tax as they have an attacement to my earnings , but im sick of hiding it upsets me i tried writing letters to sort the debt all those years ago but nobody would help and one day told myself forget it all., i have no bank account dont believe i can get one, cant view my credit report , i so stuck as what to do my friend said i should just go and open a bank account now to see if they will give me one but make sure 6 years has past otherwise i will be opening a big can of worms by putting my address on a credit search for all lenders to see. apologies for the huge post but needed to explain. any advice plz
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Comments
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You need to head down to the Debt Free Wannbe board a few forums down :-)
Good Luck."We want the finest wines available to humanity, we want them here, and we want them now!"0 -
You need to head down to the Debt Free Wannbe board a few forums down :-)
Good Luck.
NOTE TO MODS: Can you please check Elvis' account. It has clearly been hacked and is being used by someone else, who has decided to hand out sympathy and with no use of the word shizzle.
Elvis' reputation cannot be ruined in this way, and I demand you take action immediately.
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Deleted_User wrote: »NOTE TO MODS: Can you please check Elvis' account. It has clearly been hacked and is being used by someone else, who has decided to hand out sympathy and with no use of the word shizzle.
Elvis' reputation cannot be ruined in this way, and I demand you take action immediately.
You trying to say I lack basic human compassion? :rotfl:
That's just shizzle and you know it."We want the finest wines available to humanity, we want them here, and we want them now!"0 -
This has already been posted on the DFW board.Try to be a rainbow in someone's cloud.0
This discussion has been closed.
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