Dealing with my debt!

[xvickyx]

Hi

 

Ok, so I need to sort out my debts, they are getting out of hand now, and I am finding it increasing difficult to keep track of them

 

To date, from my credit file I have the following debts/defaults.

 

How can I go about clearing all these?

 

GOLD STAR FINANCE Loan Default £68 31/08/2008

 

LOWELL PORTFOLIO I... Credit card / S... Default £473 Defaulted On: 06/05/2005

 

LOWELL PORTFOLIO I... Default £690 Defaulted On: 10/12/2005

 

NATWEST BANK Account type: Loan Default Balance: £2,452 Current Balance £2,288 Defaulted

 

STUDIO Mail order Default £168 Defaulted On:27/11/2005

 

HFO SERVICES LTD Default £110 Defaulted On: 22/07/2005

 

MARLIN FINANCIAL S... Hire purchase/C... Default £3,594 Defaulted On:14/03/2006

 

CREDIT ACCOUNT MANAGEMENT Started: 01/05/2004 Default Balance: £685 Current Balance: £470 Defaulted On: 31/07/2006

 

CREDIT ACCOUNT MAN... Default £389

 

CREDIT ACCOUNT MANAGEMENT Mail order Default Balance: £132

 

BARCLAYCARD Credit card / Store card Default Balance: £1,625

 

NATWEST CREDIT CA... Credit card / S... Default £224 14/03/2010

 

I also have the following CCJs 1 is satisfied;

 

Information type:

Judgment

Date:

21/11/2006

Court:

BASINGSTOKE COUNTY COURT

Amount:

£620

Information Source:

Registry Trust Ltd

 

Information type:

Judgment

Date:

11/09/2006

Court:

NORTHAMPTON COUNTY COURT

Amount:

£542

Information Source:

Registry Trust Ltd

 

Information type:

Judgment

Date:

28/06/2006

Court:

NORTHAMPTON COUNTY COURT

Amount:

£732

Information Source:

Registry Trust Ltd

 

Information type:

Judgment

Date:

23/07/2007

Court:

NORTHAMPTON COUNTY COURT

Amount:

£454

Information Source:

Registry Trust Ltd

 

Information type:

Judgment

Date:

17/09/2007

Court:

NORTHAMPTON COUNTY COURT

Amount:

£288

Information Source:

Registry Trust Ltd

 

Information type:

Judgment

Date:

18/04/2008

Court:

NORTHAMPTON COUNTY COURT

Amount:

£283

Information Source:

Registry Trust Ltd

 

Information type:

Satisfied Judgment

Date:

07/11/2005

Court:

NORTHAMPTON COUNTY COURT

Amount:

£443

Information Source:

Registry Trust Ltd

Satisfaction date:

01 March 2006

[podperson]

Hi xvickyx,

Good that you are wanting to sort them out

Could you give a bit more information, are you making payments at the moment on any of them? Obviously some are dating back a few years, are you still in contact with these companies? Am sure some people on here with a little more technical knowledge will be able to clarify but if you have not been in contact with/made payments on a debt for 6 years then I believe it is unenforcable anyway.

Do you have valid credit agreements for them? If not send off a letter requesting them. Also do you have any charges on the credit cards, if so look into claiming those back.

When you have looked into these then need to sit down and work out a budget, incomings and outcomings, to see what you can reasonably afford to pay to these debts every month. If you find this a bit of a struggle then companies like CCCS and Payplan can help you with it.

Know it seems a bit daunting but good luck with it

[loobyloo85]

I agree with pod person, based on the level of debt you owe, it may be worth considering a debt management plan to clear your debts. This would mean making 1 monthly payment each month until your debt is cleared in full. Some companies have a very good success rate in getting interest frozen, reducing your debt repayment time.