Hi, I've hopefully put this in the correct section and am looking for some help if possible. I've read through some threads and you guys seem to know what you're talking about.
I have (probably wrongly) been ignoring letters about these 2 amounts owed through advice from a friend that they are close to being unenforceable. However, I received these 2 letters yesterday and thought I can't really just keep ignoring them and hoping they'll disappear.
One is a bank account with an overdraft. I had the account since I was a child and got the overdraft through applying online and increasing it (stupidly) myself when I was young and stupid. I think that will be the £2,506 one although I'm pretty sure that must mostly be fees or something because I definitely didn't have an overdraft that high.
The other is a Credit Card I also applied for online when I was young and stupid.
I don't have other paperwork regarding these debts, this is all I have. I have put a screen grab of what Noddle say about each onto the letter document, if that helps.
Do I need to send them letters? Which ones?
Thank you for any help. I'd just like to put this all behind me and move on with my life. The stress is not doing me any good.
Hopefully the files have attached correctly and are readable.
I have (probably wrongly) been ignoring letters about these 2 amounts owed through advice from a friend that they are close to being unenforceable. However, I received these 2 letters yesterday and thought I can't really just keep ignoring them and hoping they'll disappear.
One is a bank account with an overdraft. I had the account since I was a child and got the overdraft through applying online and increasing it (stupidly) myself when I was young and stupid. I think that will be the £2,506 one although I'm pretty sure that must mostly be fees or something because I definitely didn't have an overdraft that high.
The other is a Credit Card I also applied for online when I was young and stupid.
I don't have other paperwork regarding these debts, this is all I have. I have put a screen grab of what Noddle say about each onto the letter document, if that helps.
Do I need to send them letters? Which ones?
Thank you for any help. I'd just like to put this all behind me and move on with my life. The stress is not doing me any good.
Hopefully the files have attached correctly and are readable.
Comment