Ready, steady… save!
You don’t need a chart to join in. Here are 2 ways to record your savings:
1. Cross it off
Pop a chart into your first post. Saved an amount? Cross it out! Read more »
£0.01 £0.02 £0.03
2. Write it down
Skip the chart and add updates to your first post. Read more »
“Another +£3 saved today. Go me!”
Use +£ before each new saving so it counts towards your total.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Resolvecall threatening a home visit
Comments
-
I did not know this. It's stressful enough trying to keep tabs on everything that comes through the door.
I might as well declare bankruptcy at this rate as I be doing this for a VERY long time.
0 -
When did you stop paying? How much do you owe?
Edit: you've got a mortgage, so bankruptcy isn't a good idea.
If you've have not made a mistake, you've made nothing0 -
I stopped paying in around a year ago now.
The debts are all in the hands of Lowell and the like and have been for the last 6 months.
Yeah, bankruptcy probably isn't the correct solution really.
0 -
I would not worry too much about the limitation period, as that is a long way off yet.
In your situation as it is, I would be trying to get Lowell and the like, to either, write off the debts as you will never be able to make any headway paying them off, or at the very least cease all collection activity on your accounts and not continue to chase them any more.
It`s probably better for you to engage with them to achieve this, if you can get them to accept the reality of your situation anything is possible.
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
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 355.9K Banking & Borrowing
- 255K Reduce Debt & Boost Income
- 456.2K Spending & Discounts
- 248.4K Work, Benefits & Business
- 606.1K Mortgages, Homes & Bills
- 179K Life & Family
- 263.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.7K Read-Only Boards