Bonnie2013
Registered User
- Messages
- 20
I am on a fixed rate mortgage at the moment and this is my last year.
Bonnie
I had a similiar problem 4 years ago. I owed €11000 after using card for wedding and then 2 months later lost my job. This is what i did. I stopped paying them anything at all. I stopped answering their calls for 6 months. I waited till the put me in the debt collection service and then i told them i was broke, had no income and in a terrible state. After a couple of months of phone calls they asked in i would be able to pay anything. I said that i might be able to sell my car but it was only worth €4000. They said they would accept that if i get it and write off the debt. We eventually agreed on €3000 and i paid that off over 3 months, €1000 a month paid in post office. I now have no credit card worrys and will never have one again. Remember you have the power to settle with them for a lower fee if you so wish
However your credit rating is shot so borrowing any kind of money for the foreseeable future is going to be very difficult if not impossible.
Every action has a consequence.
Yeah but who is going to get money from a bank or institute in the future anyway
people who haven't made an mess of their credit rating
People who haven't made an mess of their credit rating
Thats all 2 of you then. The country is on its knees and the bankers are laughing at us. Credit rating my ass
So are the strategic defaulters who feel entitled to make the rest of us pay their debts.The country is on its knees and the bankers are laughing at us.
I hear you and you make a HARD valid point.So are the strategic defaulters who feel entitled to make the rest of us pay their debts.
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