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New to this need help about creditors please
New_start21
Posts: 6 Forumite
Afternoon I'm now looking to sort my finances out. At present I pay the minimum to my old debts. I want to try and pay them off but not a clue where paper work is (Naughty I know) Is there a way I can find details of account numbers etc. Thank you in advance
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New_start21 wrote: »Afternoon I'm now looking to sort my finances out. At present I pay the minimum to my old debts. I want to try and pay them off but not a clue where paper work is (Naughty I know) Is there a way I can find details of account numbers etc. Thank you in advance
Hi,
So what details are you using now to pay your creditors ?
Are all your accounts still with original creditors or sold on ?
Your credit file will list the debts and who owns them, but will only give you partial account numbers though, that's assuming they are still all on there.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
I set up direct debits up a few years ago. I've had a look on clear start and can see some of them but no account numbers. Most of my debts were sold on. Thank you for your reply0
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New_start21 wrote: »I set up direct debits up a few years ago. I've had a look on clear start and can see some of them but no account numbers. Most of my debts were sold on. Thank you for your reply
Your only option then is to stop paying all together.
Whoever you owe money to will write to you once they stop receiving payment.
You will then have all the information you need to move forward.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
I did think this may be an option. I don't want to default though0
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New_start21 wrote: »I did think this may be an option. I don't want to default though
You have already defaulted, probably years ago, hence why your accounts are all with debt collectors.
They can't default you twice my friend !!!
You cease payment, they will, eventually, write to you asking why, (nothing moves fast where debt collection is concerned) you then get the account numbers etc that you need, and a contact address, you can then decide your next move.
How else do you expect to get this information ?I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
I wasn't sure if there was some sort of file hence why I joined to ask advice0
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So your ultimate goal is to reach a settlement on all of your accounts yes ?
Then doing as I have advised is the only way to go about doing this, unless you wait for them all to write to you, just on the off chance.
You said your looking to sort your financiers out, then this is the way to do it.
Good luck.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Yes I want to try settle the smaller one and increase the payments on the higher ones and then eventually settle them as well0
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When you have the information you need, make 100% positive that any deal is confirmed in writing, and make sure your creditors agree to the terms in this template letter, which you should send to each one, with your settlement offer :
https://www.nationaldebtline.org/EW/sampleletters/Pages/Full-and-final-settlement-offers-%28sole-name%29.aspxI’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Lovely thank you very much I want to try and higher my credit score it's very low at the moment and would ideal like to be able to get a mortgage in a few years0
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