Hi
After some advice, I hope you can help.
I would like to explain my circumstances first, many years ago I had gambling issues which thankfully i am now over. However i took a £10,000 unsecured loan with tesco finance. At the height of my gambling i stopped paying or put it simply starting using the money to cover the loan to cover my terible habit. I started to receive letters asking for payment but i simply didn't respond as they where asking for the amount in full and just tried to shy away from it, I know now that wasn't the way to go. I have now been slowly getting back on top of my finances paying credit cards and everything else. However i didn't address this issue.
Today i had a meassage saying contact them or they will send a collector round to my house they also left a ref no. I have just checked the ref no on regal credits website and the amount outstanding is £5100.00. I want to address this but i really don't know how to approach this with regal as i am really scared about it all, especially after reading how they treat debitors.
I know its all self inflicted and i shouldn't have left but thats in the past and i now need to move forward.
Your help and advice would be greatly appreciated.