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Transferr My Wife To The deeds
I own the house 100%b and my wife not on the deeds. Can i put my wife on the deeds and will their be any tax or stamp duty we have to pay. Thanks
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Seeking advice for my disastrous debt
I started a thread elsewhere on MSE and somebody recommended I come and post on here for advice. In short, I have £68,000 in credit cards and loan debt - I know, it's a lot. This is personal debt that I've accrued through what I've realised is a trading addiction (if anyone can recommend a charity who can help with this…
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Joint account on dmp
Hi all. I’m currently in a DMP and am about to start my payments on the 1st April. However I noticed a comment in here saying I need to remove myself from any joint bank accounts? What is the reason for this and is it essential? As all of our bills come from this account and we like the bank we bank with. Is this…
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CCJ issued by County Court Business Centre...
I was trying to get driveway insurance today when buying a car, and was informed I have a CCJ???!!! i had zero idea about this. On investigation, I can see the amount I apparently owe, and the issuing court, which is now no longer operational. How on earth do I find out who this is from? I've exhausted all my search…
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PayPal Credit default
My PayPal Credit account has showed in my credit report for at least a month now as defaulted. However I’ve never received the default notice from them in the post and they are continuing to write to me and send emails seeking minimum payments? I just received another letter today saying minimum payment by 8th April? I am…
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Feeling helpless - mental health, redundancy, physical health
Please be kind. I can't categorise my thoughts very well as brain fog and anxiety. So I've tried to bullet point: * I've worked all my life, in professional role and have a mortgage with my husband. Two kids - teenager/nearly teenager * Two years ago I suddenly fell ill, was signed off on long term sick, told by NHS urgent…
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dmp or iva
I am self employed and my income has been pretty steady for the past 2 years, I have £22500 debt from credit cards and a loan which so far i have been paying just the minimum on everything but it has squeezed and squeezed my income and i am getting nowhere. I have no savings as I was using them to top up my income when I…
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£30,000 credit card debt - living abroad - DRO
Good evening chaps, Background: MBNA Credit Card - £15,000 (minimum payment each month £450) Tesco Credit Card - £6000 (min pm £250) Halifax Clarity - £7000 (min pm £250) Two years ago I had to move to Czech Republic as my wife was pregnant and she couldn’t get visa to UK. So far I have been making minimum payments…
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Service Charge Arrears, Debt collection initiated
Hi Guys, Find myself in a pickle but trying to reassure myself that things hopefully aren't as bad as they seem, I come here seeking some advice... I've owned and lived in a new build property since 2019. Always kept up with service charge payments in the past, despite not always agreeing with some items on the budget and…
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24k credit card debt - help, sanity check
Hello, I'm in dire need of a sanity check with regard to my debts, please ... I stupidly built up just under 24k in credit card debts over the last 7 years, and last year following a nasty divorce and the death of my parent I started struggling with making minimum payments. I was in denial for a while and I kept…
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Can bailiff's take things on finance/credit?
I'm just wondering what country court bailiff's can take for a CCJ. Are they allowed to take things on credit/finance? For example Sky Glass TV (on finance with Sky) mobile phones/tablets on contract etc. I've tried googling it but the only information I can find is about cars on finance. Thank you.
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IVA or DMP long post
I’m looking at options and read some great advise on here but just wanted some advise based on personal experiences to help me decide I’ve avoided all the companies such as PayPlan ans step change so far as want to feel I know what I’m doing when. I start talking to them I have £34k debt .. my monthly payments are nearly…
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Lending stream/Credit report
Good evening I have 3 defaults remaining - 1 With Virgin Media (Due to come away in Jan 2025) emailed them my current issues at the time but not overly fussed about this one the other 2 with Lending stream however - One comes off in May 2024 which is a couple of month away which I won't kick up a fuss about being so near.…
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partner's bonus
hi all, My wife has been given a 25K bonus what is the best thing to do with it? Both 59 we have no mortgage 15k credit card debt 2k savings any help apricated Tard
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Cabot threats increasing
I have started paying monthly token payments as part of my self managed DMP. I haven’t contacted them at all. The latest letter titled “Failure to respond is not an option No.1” The letters do show the balance decreasing by the amount I’m paying. Should I contact to inform them I am on the DMP? Is there a template letter…
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Debt & mental health
Hey everyone Just something I’ve been wanting to ask for a while. I’ve racked up a lot of bad debt and am paying this back via a DMP. Due to rising costs of living the amount I’m paying is going to take me around 10 years to clear. The thought of this has caused my depression to resurface uglier than ever before. what my…
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Santander and DMP
I have recently taken out a DMP which is due to start on 1st April. Included in the DMP is my £750 overdraft with Santander, of which I had used just over £700). The bank have now removed the overdraft option but is still showing as being overdrawn. I have applied for another basic bank account with Co-op but was wondering…
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SafetyNet
Hi, I received the below email in relation to my account which I have a balance of £31. Should i just pay the £31 off fully before the 9th April so its fully settled rather than Partially settled, what's peoples thoughts please? --------------------- Important Information from Tappily/SafetyNet Credit Dear Customer As you…
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Self managed DMP
Morning,long story cut short. My son has 3 loans one was taken out to pay the other two off.Which he didn't do? Have written to all off them and cancelled direct debits.This was 3 months ago. I think he has standard letters from all of them stating arrears must be paid or action will be taken. Have worked out a budget it…
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I need help with credit card debt while living abroad
After spending the last 6 years of my life in England, I relocated back home to Romania around 6 months ago. I have a few credit card debts totaling £11.5k, largest one of which is £6k and the other under £3k and 2.5k respectively, which i continued paying even after i left the country, but I have recently stopped my DD,…