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Debt
kath100
Posts: 2 Newbie
Hi ,I'm in debt of over £23000,I've got a large tax rebate of £10,500 coming which I hope will help pay my debts off ,but the worry i have is I've just checked my credit report and it says that creditsafe limited have done a search on me for debt collection,I'm now worried sick does this mean I'll have debt collectors at my home ,can anyone inform me ,thanks kath
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does this mean I'll have debt collectors at my homeHave you any CCJ's against you? This would be the only reason why someone may visit (with the court's permission). Anyone visiting without the court's permission risks having their collars felt.
Useful leaflet on harassment
https://www.nationaldebtline.org/EW/factsheets/Pages/harassment-by-creditors/debt-collection.aspx
- All land is owned. If you are not on yours, you are on someone else's
- When on someone else's be it a road, a pavement, a right of way or a property there are rules. Don't assume there are none.
- "Free parking" doesn't mean free of rules. Check the rules and if you don't like them, go elsewhere
- All land is owned. If you are not on yours, you are on someone else's and their rules apply.
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Please can you just stick to one thread per subject, it just saves on confusion for people replying to you.A credit search for debt collection means nothing, they are checking your address, its very common, plus only two companies i know of still operate doorstep collectors, its just not cost effective for them.And of course at the moment, and for the forseeable future, no one will be knocking on your door due to covid-19.Debt collectors mainly work from call centres employing the phone as ther number one weapon of choice, yet creditsafe are not debt collectors, they provide credit report services, so your over reacting a tad here methinks.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-letter1
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No ccj,will I be harassed now by phone calls or do you think ,its just a random search,thanks in advance0
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It means nothing.kath100 said:Hi ,I'm in debt of over £23000,I've got a large tax rebate of £10,500 coming which I hope will help pay my debts off ,but the worry i have is I've just checked my credit report and it says that creditsafe limited have done a search on me for debt collection,I'm now worried sick does this mean I'll have debt collectors at my home ,can anyone inform me ,thanks kath
Kath - are you looking at full & final settlement deals as your lump sum is under 50% of your debts?
Do you want to post a statement of affairs for more detailed advice?0
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