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Worried About Fiancee's Debt?
I have been living with my better half for about 10 years so she may as well be my wife but I'm a bit worried about her debt. At present I pay for food,electricty,phone,oil heating,sky,TV lisence, and her debts which amount to about £6-7k infact I pay for almost everything. She pays for her half of the rent and items for…
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ccj and time limits
does anybody know if there are time limits for ccj's from serving the claim to proceeding with the claim. I was issued with a claim agaimst me in 2006 - until the present date the claimant has not proceeded with the claim. I admitted the claim and returned the forms but it has never been dealt with. Can the claimant use…
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SOA - am I doing it right?
Hi all, having look at other threads for a while on here I'd like some advice please. It's a long one! Lightbulb moment was my partner becoming pregnant and realising we'd need to clear the debt to provide for the lil'un. It's all my debt and not hers I should point out. I built up the debt from earning too little to pay…
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Help please Debt from 1998 i'm confused.
Hi, Please can someone offer me some advice on this situation. I received a letter today from a debt collection agency for £304.30. I rang the agency because as far as I am aware I don't have any outstanding debts. The lady confirmed it was a debt owing to littlewoods from 1998 at a previous address. The thing is I don't…
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Newbie -help with my dmp and debts
Hi all, not really new to the site but new to posting, anyway just wanted some help with my dmp, about 6 months ago i arranged a dmp with payplan on debts of about 25k, i had to leave my job due to serious knee injury which caused me to become classed with 17% disablity and ad no income other than benefits. the knee pain…
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Just a quick one! Please advise!
Hi all After soughting advice off this fantastic website I just have one quick question. After having the same problem like some people on here with debt collection agencies hassling us all. I sent them a letter saying that I DO NOT acknowledge any debt to your company, I read that the debt becomes barred after six years…
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Wescot Credit Services....any info?
:mad: I have just got in and received a letter from the above company demanding £31.21 for an outstanding account. Let me fill you in on the background as I really would appreciate some advice here. Back in 2002 I had a CCJ from Kays catalogue for £918.96. Last year when we were looking at private rental properties I had…
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16k in debt been to CAB..
Been to CAB, very usefull and helpfull, I'm in £16,394 in debt. Written to Companies with a repayment plan and financial statement as prepared by CAB which also aked them to freeze any further interest. Spoke to Barclaycard and they have stopped my cards and accepted plan but still will charge me interest. They also said…
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Loan and credit card advice needed please.
Hello all. I'm hopefully getting myself sorted after the wife made her decision to leave me. Now I need to get my finances sorted out and if anyone can help, it would be greatly appreciated. I can't post an accurate SOA as yet due to the fact that in a few weeks time, I'll be moving out of the bungalow that we get with our…
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Illegal Lending / Loan Sharks
Anyone got any issues or problems with illegal lending / loan sharks? Recently, the Nottingham Public Protection Team (employed by the government) gave a presentation at North East Derbyshire CAB. We found this presentation very useful and believe this project may be able to offer genuine advice and support to those who…
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Intrum Justitia - At End of Theather
Im doing another thread as I cant find my last one.... I am currently paying of an old credit card through the above Company and it has all gone very smoothly...until...now... I have one payment left....and I had a letter on 5th February which when I finally got to the bottom of it....it appears my last five payments…
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Advise required on formal agreement for lending money between friends
Hi there, Apologies if this is the wrong forum to post in... My partners mother has come into some money and has offered to pay off my debts and me pay her back a set amount a month. What i would like to do for everybodies piece of mind is have a formal agreement between us. It is a substantial amount of month therefore i…
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Grrr.northern Rock
This takes the biscuit yet again with NR.The judge in OH ccj ruled that we should continue to pay the DMP amount.But NR wasen't happy and went back to court.OH filled in the form N245 and to get it put nearer to were we live. Low and behold OH get court papers through for interim charging order before the ccj hearing. I…
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Northern Rock Again !!!!!!!!!!!!!
Hi everyone,Northern Rock problems yet again.We are with CCCS have been for nearly 2 years,NR have been getting reduced payments but have been playing up now for quite some time,phone calls every day several times a day,now are saying they will refer my account to litigation,what does that mean?Many thanks for any…
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Hi - im new and working towards being debt free!
Hope its ok to introduce myself here. I've been browsing the forums here for a while now and absorbing all of the great info. I particularly like all the 'challenges'! I have recently had a 'lightbulb moment' with regards to my life in general - perhaps a result of getting married a few months ago and thinking about life…
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Help, please...my head is reeling!
Ok, so I had my lightbulb moment and in theory things should be great in a while once I get the ball rolling on this challenging my debt stuff....but for now, I'm in big trouble and I need advice. I'm on benefits, single mum, about to move house into Housing Executive accommodation (mind you this hasn't been confirmed…
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help needed just contacted cccs????
hi a little ashamed but i have come to a pont where i just cant manage my debt anymore, ive phoned cccs and i have a telephone appointment on the 26th feb, she advised me in the meantime to contact my creditors and ask if payment could be put on hold and cccs will contact them in due coarse they also advised me to take all…
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In Need of a little motivation
Hello I was just wondering if anyone had any ideas for injecting a bit of umph into money saving. I've been very good for about 6 months but I've lost my way a bit these last few weeks as I ended up spending too much for my mum's birthday and this has completely disheartened me as I've been so good and have very little to…
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Barclaycard Sent Me A Aplpication Form
Hi After Cca Ing B/card I Recieved A Reply They Sent Me A Photocopy Of My Student Application Signed And Dated By My Self With A Barcode Over The Little Box Above My Signature A Few Pages Stapled Together Of Terms And Conditions - Ive Never Seen These B4 In My Life, These Are Separate To The Application Form Is It…
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Time for a petrol boycott?
Whilst reading the notice board of our Union i noticed a letter about the best way to do a petrol boycott & if word got around then people power would end up knocking at least a few pence off a litre of petrol. If everyone didn't buy petrol for a day the boycott wouldn't really work as we'd all still have to fill up over…