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Clearing my debts!
VAelizVS
Posts: 11 Forumite
I have been in an awful position with debts and I have managed to clear all but 1 of them! Which I am so so relieved and proud of. The last debt is with Audi FS. I haven’t received any letters from them so I have been calling and asking to settle the debt. To which they’ve advised it’s no longer with them and is with a debt collection company. I have called Audi and Lester Aldridge back and forth now for months and both say the other is dealing with my debt! It’s been months of calling/emailing. Being told someone will call me back and they don’t, my emails don’t get responses from both Audi and Lester Aldridge. What do I do?! How am I supposed to settle an account that nobody seems to know exists?! I told Audi I would just bank transfer the amount however as they said they’re no longer looking after the account this wouldn’t be possible. Help!
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Try and relax, the owner of the debt will write to you, eventually, until then, there`s nothing you can do.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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Does it show on your credit record? When did you default on it? I would stop chasing and just look to see if it shows up on your credit history through Experian or credit karma (previously Noddle)I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment 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.
The 365 Day 1p Challenge 2025 #1 £667.95/£162.90
Save £12k in 2025 #1 £12000/£70001 -
I agree with the above - you’ve tried your best - set the money to clear it aside in an interest bearing savings account and wait to be contacted, if you ARE contacted.Oh - and a MASSIVE well done on clearing all your other debts too - great achievement!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0
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