Hi,
I started a thread a while back and have been avoiding debt collection agencies for a while now. Me and my girlfriend have 4 credit cards (Barclaycard(1998), Egg(pre 2003), Littlewoods aka Barclaycard (pre 2003) and Mint (2004)), one Resolve loan from Barclays bank, a Next Directory debt and a debt from Lloyd's TSB for money completely made up of charges after going overdrawn from being charged!
I need to be in a position to get a mortgage in about 18 months time. I understand I will need to get my credit file sorted out and that I will probably end up paying a lot of interest on the mortgage due to debts that will still show even if satisfied. I am getting a nice hand-out from my parents to cover approx 45% of the cost of the house and have already asked if I can use some of this money to pay my debts off and have been told no in no uncertain terms.
I will start a thread for each debt, but was just wondering how the recent court cases have affected the claims process for charges, both account and credit cards and getting your CCA.
I am now being chased about all of these debts and I'm being threatened with court action by most. Should I wait until they take me to court or should I start action myself?
There is so much great info on this site it's hard to find exactly what your looking for. Sorry if finding this info is trivial I just need a nudge in the right direction.
Any help is most appreciated.