Help.. I think I just done something extremely stupid...

deliciosa

corsanita - this was so lovely thank you. you are probably right. I will deal with this.

deliciosa

silvercar wrote:

I have had baliffs knocking at my door for the previous owners. when I told one they had moved he siad "fine", so I asked him why he didn't want proof and what would happen if I was lying and really was the person he was looking for. He said they would soon find out the truth and that would automaically incur a further baliff charge. he said they check voting registers and land reg. sites to see if there have been changes. I noticed he wrote down my car reg number so I guess they could check that also. he said they always find people in the end, so I would advise you to own up before the debt gets larger.

You can run but you cannot hide.

oh oh... would they do it for a relatively small amount too??

deliciosa

mizmir - thanks. it is against my better judgement, but since all of you are saying the same, it probably will be true in the end...

i'll pay the bloody money.

mizmir

deliciosa wrote:

mizmir - thanks. it is against my better judgement, but since all of you are saying the same, it probably will be true in the end...

i'll pay the bloody money.

It is frustrating - I know I would be fuming. Not doubting what you say - just that if you can't prove it you are not likely to get anywhere. You could end up with more charges, a hit on your credit record, worse case a CCJ (if they did take it to court - who knows if they would). It just isn't worth it. Be thankful that you do have the money to pay it - even if it means you can't reduce your other debt quite so quickly. It will be one worry off your mind for good.

deliciosa

ok - i listened to you guys - I cant actually believe I listen to a bunch of lovely strangers, all of which want to help me. I am actually almost crying.

I just called them and talked to them. They said if I pay TODAY by credit or debit card, they reduce it to £55. I said yes. They said its the full and final settlement. I paid. it got authorised.

I have only one question: they are not lying, are they? if they say thats it, then thats it?

I can't tell you how relieved I am... and I cant believe how nice you all are. Thank you so much, I am so forever grateful ....

*is bawling now*

black-saturn

I think you should write them a cheque for say £20 and keep paying £20 a month until it is paid off. They don't need to know what address it came from just as long as they have you customer number and things like that. So they might presume that you have had your posted forwarded on.

mizmir

deliciosa wrote:

ok - i listened to you guys - I cant actually believe I listen to a bunch of lovely strangers, all of which want to help me. I am actually almost crying.

I just called them and talked to them. They said if I pay TODAY by credit or debit card, they reduce it to £55. I said yes. They said its the full and final settlement. I paid. it got authorised.

I have only one question: they are not lying, are they? if they say thats it, then thats it?

I can't tell you how relieved I am... and I cant believe how nice you all are. Thank you so much, I am so forever grateful ....

*is bawling now*

Well done - good result. Ask them to confirm the full and final settlement in writing when they send you the receipt for your payment....

deliciosa

black-saturn wrote:

I think you should write them a cheque for say £20 and keep paying £20 a month until it is paid off. They don't need to know what address it came from just as long as they have you customer number and things like that. So they might presume that you have had your posted forwarded on.[/QUOTE}

thanks - i actually couldnt bring myself to admit I lied.. i rather said (how pathetic) that they faxed through the form to me. soo ashamed.. i will never ever do anything like this. but paid £55 off. They said it will be full and final settlement.

deliciosa

mizmir wrote:

Well done - good result. Ask them to confirm the full and final settlement in writing when they send you the receipt for your payment....

Mizmir: they said they would!!! and they are sending it to my work address!

ohh god, that's off my shoulders now... i hate to admit that you guys were rgith again...

corsanita

Good job!

Sometimes grabbing the bull by the horns and just going for it works out in your favour. They knocked £25 quid off...that's more than a quarter!

:T