As you will be signing up with them BEFORE your BR as far as I am aware they will be a creditor. It doesn't matter when they tell you to pay them, you are not allowed to pay debts that occurred BEFORE your BR date.
By all means speak to their representative but don't sign anything until you have had time to read everything through and make sure that you are happy and all is above board. Personally I wouldn't touch a company who left a flyer on my car - there are some good BR assist companies out there but there a lot of rogue companies.
While they would technically be a creditor I don't think the OR would look too kindly on taking on a debt you have no means of repaying so close to BR.
Why don't you contact one of the experts who post on the sister BR site? They will be able to give you initial advice free of charge.
Cuz ther is no name on flies it just say they can help u get out of debt so called them they dont do iva or dm and he is coming to see me 2 moz i have a moble no of the flier no land line no on i can post that no if u wont
Empty pockets never held anyone back. Only empty heads and empty hearts can do that.
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by gavin
Cuz ther is no name on flies it just say they can help u get out of debt so called them they dont do iva or dm and he is coming to see me 2 moz i have a moble no of the flier no land line no on i can post that no if u wont
Gavin I read your desperation, bankruptcy is expensive in itself and I know you want rid of your debt but don't get into any more to make this happen. I wish I could suggest something to help but I can't, just be careful Gavin. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
I have to agree with Bradders - this is all very suspicious. Why on earth would anyone contact a company who leave a flyer with no company name and no landline phone number. I wouldn't have them in my house no matter how desperate I was.
