wanabe gud boy wiv cradit

tracy_ben

hi everyone

i came back to uk after spending 4 years in spain( enjoyed sunshine there here im with my rain lol).before moving to spain i had debt on my cradit cards,mobile bill,insurance and HFC installements to pay on top of that i had my overdraft i think it was £600.never missed payments before that.

now horrible part is when i left uk i never looked back at any letters sent to me from bank coz i was not living at that adress anymore and never bothered with paying anything to my craditors

now i am so scared to contact my bank i had another acount which i am using now...
any advice what could happen to me ..and what should be done on part.

would me much grateful for any advice
regards

bargainbetty

If you want to be a good boy with credit, then you need to contact all of the creditors (check your credit file to see who has defaulted you, and who hasn't) and make arrangements to pay.

If you explain that you left the country and your forwarded mail didn't reach you, but you have come back and want to sort it, they may be decent enough to remove some of the charges you will no doubt have incurred. Don't depend on it, ask very nicely! Do everything in writing so you can track the correspondence. Don't offer them a contact number at all.

I'm sorry to be the grammar police, but don't write to them the same way you wrote this post. Use proper English, spellcheck and punctuation, and don't use slang or text speak. You are more likely to get positive responses from people who can see you are not a fool. 'Gud boy wiv cradit' doesn't do you any favours. I'm not being mean, just honest - if you were using a mobile phone and used shorthand then I'm sorry!

I'm ready to be flamed now.