Hi i was wondering if someone can help me? i owed

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bubbles

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Post by bubbles » Thu Aug 28, 2008 1:36 am
hi forgot to mention i have a little boy of 19 months which he has never seen his dad and i have never had a penny off him! some man he is!!
 
 

size5

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Post by size5 » Thu Aug 28, 2008 8:19 am
First port of call for you would be to speak to the mortgage company as to what the situation is. It may have already been repossessed in which case you will be pursued for the debt.

Let us know how you get on.

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MelanieGiles

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Post by MelanieGiles » Thu Aug 28, 2008 8:59 am
If the house is already boarded up, then it would suggest to me that it has already been repossessed. A quick call to the mortgage company would verify this for you.
Regards, Melanie Giles, Insolvency Practitioner
 
 

bubbles

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Post by bubbles » Thu Aug 28, 2008 10:10 am
Thanks to you both will let you know how i get on, regards tracy!
 
 

kallis3

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Post by kallis3 » Thu Aug 28, 2008 2:57 pm
Hi Bubbles,

You may find that even though your debts are small compared to some people, your credit record is already blemished.

Best thing would be to check with any of the credit reference agencies to see what is on your record.

As for your little boy, I would get in touch with CSA and see if they can trace him. He is entitled to money from his dad even if he doesn't see him.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

bubbles

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Post by bubbles » Thu Aug 28, 2008 11:01 pm
hi jan do you have the number for the credit ref agencie? Can you tell me what i should say when i call, regards
 
 

kallis3

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Post by kallis3 » Fri Aug 29, 2008 11:08 am
Hi Bubbles, sorry only just caught up with this post again, that's the problem when it drops down the list!

There are three agencies, and you will have to pay for your check.

http://www.equifax.co.uk

http://www.experian.co.uk

I can never remember who the third one is, but I am sure someone will see this and post.

You can either order your report online, or there will be ways to contact them listed on the site.

Hope this helps
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

Viki.W

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Post by Viki.W » Fri Aug 29, 2008 11:22 am
If you would like to talk to me about your debt problems, please visit:
http://www.vincentbond.com/about_us_Viki_Warbrooke.asp
 
 

kallis3

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Post by kallis3 » Fri Aug 29, 2008 11:25 am
Thanks Viki, I knew that you knew it and had posted it before, but I couldn't remember which thread it was on!

I've sent you an email by the way.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

bubbles

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Post by bubbles » Wed Sep 03, 2008 12:26 pm
Thx to vicky and jan XxX

terricarter

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Post by terricarter » Sun Jun 25, 2017 1:07 am
the best yo can do is getting always a second opinion and usually the serious companies always give the first consultation for free

Edit: Signature removed as promoting outside sites is not allowed.

Foggy

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Post by Foggy » Sun Jun 25, 2017 7:30 am
terricarter wrote:
the best yo can do is getting always a second opinion and usually the serious companies always give the first consultation for free

Edit: Signature removed as promoting outside sites is not allowed.

Hi Terricarter. I have had to remove your sig, as this is against forum policy ---- if you wish to become an Industry Expert, please contact Admin.

Regarding free advice: Most reputable companies give free initial advice and will, indeed, take you all the way up to the creditors meeting without charge. After this all fees are taken from the agreed IVA repayments.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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