D
doodoo
Guest
Hey, heard about these forums and thought I'd post about my situation to try to get some advice from people who may be or have been in a similar situation..
Ok, well I'm a student and about 2years ago I stupidly bought a laptop (2grand) from pcworld to help me with my studies. I foolishly got roped into taking out their "interest free for 3months" plan and didn't pay a penny up front..
I accepted the contract which I've since lost and havn't paid a penny to said company. As i've been changing accommodation due to semesterisation in uni i havn't recieved any letters or phone calls asking for the money.
I realise the extent of what I have done and sometimes I can't sleep at night thinking about it. I'm ashamed that I've let it come this far. What I have done is not far removed from stealing.
I've been putting this issue to the back of my mind for 2years now, but as I'll soon be getting a full time job for a years placement, I'd like to put this issue to rest and try to repay as much of it as possible..
I've also got a few other loans that i've delayed repayments on which need dealing with asap.. (credit card maxed to 1000 for past year)
but I've a few questions before i make the phone calls :
around how much would i owe the debt collectors if i contact them?
are there any financial institutions that could give me advice or could help me with the repayments?
i don't plan on buying a house for at least another 5 years, but how will this effect my credit rating?
I'd imagine the interest is continually growing. Would any financial instituation give me a loan with a reasonable interest rate so i could pay off the lump sum and then pay the instituation back instead?
Anyway, thanks for listening and if anybody has any advice whatsoever, i'd be happy to hear..
Ok, well I'm a student and about 2years ago I stupidly bought a laptop (2grand) from pcworld to help me with my studies. I foolishly got roped into taking out their "interest free for 3months" plan and didn't pay a penny up front..
I accepted the contract which I've since lost and havn't paid a penny to said company. As i've been changing accommodation due to semesterisation in uni i havn't recieved any letters or phone calls asking for the money.
I realise the extent of what I have done and sometimes I can't sleep at night thinking about it. I'm ashamed that I've let it come this far. What I have done is not far removed from stealing.
I've been putting this issue to the back of my mind for 2years now, but as I'll soon be getting a full time job for a years placement, I'd like to put this issue to rest and try to repay as much of it as possible..
I've also got a few other loans that i've delayed repayments on which need dealing with asap.. (credit card maxed to 1000 for past year)
but I've a few questions before i make the phone calls :
around how much would i owe the debt collectors if i contact them?
are there any financial institutions that could give me advice or could help me with the repayments?
i don't plan on buying a house for at least another 5 years, but how will this effect my credit rating?
I'd imagine the interest is continually growing. Would any financial instituation give me a loan with a reasonable interest rate so i could pay off the lump sum and then pay the instituation back instead?
Anyway, thanks for listening and if anybody has any advice whatsoever, i'd be happy to hear..