Profile : Haz40

That is the worst advice I’ve ever heard from lainey87. For starters once you acknowledge the debt it is impossible for the debt to become statute barred. You have entered into an agreement by paying £1 a month therefore keeping the debt alive until either you die or you have paid the debt off. Ignoring letting and calls risks baliffs coming to your house. Even if the goods in your house are not yours they can still be removed if the rightful owner has no receipts or proof of ownership. Work with the companies you owe. They will understand and by law your priority bills must be paid first. Rent/mortgage council tax etc. You will be probably asked to complete an income and expenditure form to see what you can afford to repay. Don’t leave yourself short and remember if you ever have the opportunity to repay the debt in one payment most debt companies will accept up to 75% discount as full and final payment. This will go on your credit report as only partially settled for 6 years. Ignoring debts is the worst thing to do.

giannix wrote:

Hi, I’m in the same situation (or even worse cause I don’t own any house) and had same experiences as you did. Ofc no bank will give a penny while youre score is disastrous, their system won’t alow them. I tried all possible kinds of credits but ofc nobody gave me anything. The eeij’s answer is probably the best in your situation while you still have a chance. I don’t have a mortgage or anything so, in this moment, I’m just trying to decide about the bridge…

Best wishes, take care :/

Remember no one can take what you haven’t got. A debt company can’t send you to prison. Whatever you owe and whoever you owe speak to them. Don’t ignore the letters. Explain your financial situation. Offer them a lesser amount that still gives you enough spare money to enjoy life but at the same time starts to reduce your debts. Ask them to freeze the interest. They won’t say no. The worst thing to do is ignore the the calls and letters.

Rbreen91 wrote:

Haz40 wrote:

Xbobmad wrote:

Haz40 wrote:

Na only kidding got a new phone

Finally ditched the Motorola startac and caught up with the cool kids in your old age Haz?

No it was a nokia3310 . I’ve actually gone from a Samsung Galaxy s8 to a s9 woo woo .

Your phone is newer than mine I’ve had the same phone for nearly 4 years.

Well you could put £150 towards a new one ?

Seyahkram1977 wrote:

THEBARON wrote:

Don’t mean to upset you but donuts is shite lol

Shhhhhhhhhhhhhhhhhh …. that last man who said that got a thousand donuts up the arse ……

He’s a brave man that baron. ?

Xbobmad wrote:

Haz40 wrote:

Is it the 2nd anniversary of the forum today as well ?

Second anniversary of the site going live, the forums were a few months later

Ah i see. I knew there was something about today’s date to do with the forum. ?

Seedy wrote:

I have been informed you are celebrating your birthday hope you have had a good one mate ???

Thanks mate ?. Is it the 2nd anniversary of the forum today as well ?