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Issue with Zopa loan
CCslave4lyfe
Posts: 2 Newbie
I will soon contact Zopa to let them know I will have trouble repaying my outstanding loan in the near future. Their website mentions "3 to 6 month arrangements" for people in financial difficulties.
I suffer from types of anxiety too numerous to mention so it would help me to know before I pick up the dreaded phone what that conversation will look like, what questions they will ask, and exactly what kind of "arrangement" I can expect.
I suffer from types of anxiety too numerous to mention so it would help me to know before I pick up the dreaded phone what that conversation will look like, what questions they will ask, and exactly what kind of "arrangement" I can expect.
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Comments
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Hi,
Is this your only debt ?
Creditors own payment arrangements are seldom very good, 3-6 months is not long enough for most people to get back on track, whats the reason for you struggling with repayments ?
Is it a short or long term problem ?
Oh, and your best writing to them if speaking on the phone is likely to be awkward for you.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 -
Ask for a breathing space (30 days) and go and see a debt charity to see if there are ways to increase your income to help pay down. There is a range of help available if you ask.
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