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Debt and bad credit, help needed please.
llem89
Posts: 2 Newbie
Hi,
I seem to have got myself in a rut. I have three debts that are hanging over me and not sure where to start. My first one is with Lloyds, I took out a loan in 2008 for £1000 and I'm pretty sure I paid this one off but can't find proof anywhere. I checked my credit rating last year with experian and the account was settled, I also had a letter from a debt collector who I wrote back to with proof from experian that this account was settled and never heard from them since. However having checked my credit history yesterday with noddle, this account is open again? The status is at default, where as last year it was settled. The balance is now £2,103. From 2008 up to now each month is different, I have some in red and some in green meaning some months have been paid and some have been missed, so how do I know what I actually do owe?
My second debt is with creation consumer finance back in 2008, this was when I moved out for the first time (hence the loan) and decided to go for a buy now and pay later scheme, all for a 42" television, I look back now and kick myself for it!! The total cost of the television was £789 but because I didn't pay any money when I should have done, the amount has now got to £2353. I had no correspondence from these people as they have an incorrect address on the contract, I'm not sure who's fault that is? As I supplied them with a utility bill at the time and this address was definitely not on the letter! Again, this doesn't really make any sense on my credit history as there are only 4 red symbols from 2008 till now? And the most recent update was in January this year?
And my third one is an electricity bill from 2008 for £652 this had mine and my flat mates name on the bill but they only caught up with me! And it has been outstanding since then.
I hope you can help or point me in the right direction. I need to sort my life out and this has caused major problems between me and my partner as I didn't tell him the whole truth (my own fault) not asking for sympathy, just some good advise.
Thanks :-)
I seem to have got myself in a rut. I have three debts that are hanging over me and not sure where to start. My first one is with Lloyds, I took out a loan in 2008 for £1000 and I'm pretty sure I paid this one off but can't find proof anywhere. I checked my credit rating last year with experian and the account was settled, I also had a letter from a debt collector who I wrote back to with proof from experian that this account was settled and never heard from them since. However having checked my credit history yesterday with noddle, this account is open again? The status is at default, where as last year it was settled. The balance is now £2,103. From 2008 up to now each month is different, I have some in red and some in green meaning some months have been paid and some have been missed, so how do I know what I actually do owe?
My second debt is with creation consumer finance back in 2008, this was when I moved out for the first time (hence the loan) and decided to go for a buy now and pay later scheme, all for a 42" television, I look back now and kick myself for it!! The total cost of the television was £789 but because I didn't pay any money when I should have done, the amount has now got to £2353. I had no correspondence from these people as they have an incorrect address on the contract, I'm not sure who's fault that is? As I supplied them with a utility bill at the time and this address was definitely not on the letter! Again, this doesn't really make any sense on my credit history as there are only 4 red symbols from 2008 till now? And the most recent update was in January this year?
And my third one is an electricity bill from 2008 for £652 this had mine and my flat mates name on the bill but they only caught up with me! And it has been outstanding since then.
I hope you can help or point me in the right direction. I need to sort my life out and this has caused major problems between me and my partner as I didn't tell him the whole truth (my own fault) not asking for sympathy, just some good advise.
Thanks :-)
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