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I Have Had A Debt For 2 Years HELP!

jexxy
jexxy Posts: 1 Newbie
in Debt-free wannabe
I have been avoiding my debys for the past two years, I owe Natwest nearly £3,000 its gotten so bad that I wasn't able to be employed.

Anyway, I now have a job and I wanted to know the best way to go about contacting Natwest, or whoever the debt is with now because I want to pay it back and get rid of this awful credit rating of mine!

Comments

  • Shineyhappy
    Shineyhappy Posts: 1,931 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hello and welcome to the boards! Congrats on the new job and I hope you enjoy it.

    It may be worth trying to settle the debt with a full and final settlement offer, ie offering them 2000 pounds and hoping they accept.

    How was the money borrowed (credit card/loan?) and are you able to offer a lump sum to pay it off?
    Debt Free - done
    Mortgage Free - done
    Building up the pension pot
  • Sea78
    Sea78 Posts: 6,185 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Could you contact Natwest with the acc details and just ask where the debt is now - if with them, disucss possible repayments, if not find out and take it from there - let us know how you get on! Well done on getting the job and wanting to sort it all out :)

    Sea xx
    CCCS DMP:Feb 07
    Total:£37,016.47 now £0 DEBT FREE FEB 14

    2022 Decluttering Campaign 49/1011
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