Resolved Question: Debt Consolidation/ Credit Repair Question?

I applied for rates with 3 banks to get the best offer for student loan consolidation. About 60 days passed and I received a payment booklet from BofA. They had paid my student loans and began charging me at a higher rate than I had before. I never agreed nor signed a promise to pay or anything - just filled out an online application. What do I do now? They are on my credit report, they are charging me, I have not paid them anything. I don't want to as Chase offered me a better deal. I asked BofA to provide me proof that I owe this debt yet they have not. Its for over $30k. Since I never signed anything (just did the online application) do I really owe them anything?

Resolved Question: where can I get a Gold collateral personal loan with a bad credit here in Canada?

I have bad Credit but I wanna start all over again and repair my credit, and I don't want to do debt consolidation, I just want a personal loan for $8000, but I was thinking of offering all the gold that I have as a collateral so lenders would trust more I don't want to sell my jewelery because they mean a lot to me, the gold that I have is worth about $12000-$15000 (I already got an estimate for it from a gold and diamond store) so does anyone know where can I get a gold collateral loan other than pawnshops and scamers?? (please no rude comments)

Resolved Question: Debt Consolidation/ Credit Repair Question?

What would be a good place to contact to help repair my credit and pay off debt? I have many really old debts and a judgement that adds up to about around $15,000+ and none of them want to accept payments really - only the full balances (which I cannot come up with). Pretty much everything is way overdue - except for a few accounts.

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