I have recently signed up to this forum, as i am quite worried about my future.
I have read through a lot of the forum, regarding sending in letters etc. but they all seem to be for debts upto £10,000.
I was in debt to Virgin MBNA for £25,500, paying them £80 a month as an agreed amount for 6 months.
We were in negotiations to settle the debt for £10,000, but whilst I was trying to raise the money, they sold the debt to IDR Finance ??
So I now have a letter from IDR stating that " we at Link Financial Outsourcing " (which is confusing), they want me to carry on paying £80 a month under the terms of an informal agreement for the next 6 months and that I owe them £25,524.57.
So, can I still use your 3 letter system for this amount of debt, or are they just going to laugh at me ?
I can't imagine that they will just take this lightly.
Whilst the money owed was with MBNA I didn't feel too bad, but now that it has been sold, I am so worried that it is now affecting my health and my marriage.
Please advise my best options ??
hdjmings1 wrote:they are acting as two different company's so i would treat them as two different company's so i would send to both
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