Urgent Help Needed !!!! *******

GeorgeUK

If the debt was for a mortgage and secured against the house, then i believe it is 12 years before it becomes statute barred. If you currently only have £100 available to put towards the debt, then bankrupcy may be an option.

I suggest getting in touch with one of the free debt charities to discuss the possible options - CCCS have a debt remedy form on their website that may offer an alternative, but i recommend discussing your situation with one of the charities first.
(Taken from Fermi's signature)

Professional, free and impartial advice on debt problems can be obtained from several charitable and 'not for profit' organisations. They never make a penny from the advice they give, which means it will be given with only your best interests at heart. You can contact:

Your local CAB Office and ask to speak to a 'money advisor'
The Consumer Credit Counselling Service (CCCS) - Tel: 0800 138 1111
National Debtline - Tel: 0808 808 4000
Payplan - Tel: 0800 917 7823

Is there still a problem with your ex possibly getting hold of your address?

law26

10past6 wrote: »

Yes

6 years, not every company who applies for a CCJ against you is granted one, if you feel that a CCJ should NOT be granted, then attend court and give your reasons.

Nahhhhhhhh, they're have been many people on this board with much more debt, will the help from the members here, they've come through it, myself inclusive.

Yeh, that's the best part :rotfl:

I really cant remember my last contact with this company.. but it may have been about 3 years ago- do you think i am best to wait it out again for the same tscales..then it will have been 6 yrs
once 6 years are up... how does this show on your credit file ?
what will happen if they pass thsi to another agency - can they send baliffs then to my parents ?
as they keep constantly calling my mum - will this continue for 6 years?

law26

does anyone know for sure - if the statue barred is 12 years for property debt or 6 years ???????????????

law26

after looking on the internet... i have seen info on the 12 years..
with my debt to my mortage company i had a secured loan with my mortage so i belive the £16000 is mainly the loan with some mortage short fall - without contacting the company how would i know which category i fall into??

law26

if i look at my credit file .. does this leave a footprint for the comapnies to see I have looked at my debt ???

law26

there are so many of the ivr companys.. if any how do you know which to trust.. or which are the best ?
has any one heard of payplan ???

MrsTinks

law26 wrote: »

if i look at my credit file .. does this leave a footprint for the comapnies to see I have looked at my debt ???

Shouldn't do no...

However -trying to hide for another 3 or 9 years... good luck!
My honest advice is for you to speak to one of the debt charities in my signature - I think from what you have posted so far the nest option honestly would be going bankrupt - that is only based on what you have posted so far mind!

Even if they know where you are now... some DCAs won't be afraid to go and contact your parents or even their neighbours, eventually you will leave a paper trail too - hiding for 3 or 9 more years (and I'm betting it'll be 9...) just isn't likely and if they take out a CCJ on you then that could get extended if they apply again... Face up to it now rather than stressing for the next many years

GeorgeUK

To see your credit file, you need to provide your current address. Alot of DCA's start chasing debts after a credit report is requested by the owner.

(Taken from Fermi's signature)

Professional, free and impartial advice on debt problems can be obtained from several charitable and 'not for profit' organisations. They never make a penny from the advice they give, which means it will be given with only your best interests at heart. You can contact:

Your local CAB Office and ask to speak to a 'money advisor'
The Consumer Credit Counselling Service (CCCS) - Tel: 0800 138 1111
National Debtline - Tel: 0808 808 4000
Payplan - Tel: 0800 917 7823

These are the free debt charities normally recommended here. IVA is usually recommended to those with a property to protect from bankrupcy so may not be the best option for you.

10past6

law26 wrote: »

I really cant remember my last contact with this company.. but it may have been about 3 years ago- do you think i am best to wait it out again for the same tscales..then it will have been 6 yrs
once 6 years are up...?

If it were me, I'd deal with it now, it's not going to go away.

law26 wrote: »

how does this show on your credit file ??

As I explained earlier, it shows you've had financial difficulties.

law26 wrote: »

what will happen if they pass thsi to another agency?

Nothing much, just another round of correspondence.

law26 wrote: »

- can they send baliffs then to my parents ??

Depends how far down the chain the creditors/ DCA's pursue the debt.

law26 wrote: »

as they keep constantly calling my mum - will this continue for 6 years?

Have your parents / family / friends ever acted a guarantor for you?

10past6

law26 wrote: »

there are so many of the ivr companys.. if any how do you know which to trust.. or which are the best ?
has any one heard of payplan ???

You need to do as much research as possible regarding an IVA, it’s a legally binding contract, and not so easy to get out of once you get into it.

One very important aspect regarding debts / IVA, never use a fee paying company, they cannot do anymore for you than the debt charities, take a look at my signature.