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  • FIRST POST
    • MSE Andrea
    • By MSE Andrea 18th Nov 16, 1:05 PM
    • 8,095Posts
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    MSE Andrea
    Struggling with debt? Ask a debt advisor a question
    • #1
    • 18th Nov 16, 1:05 PM
    Struggling with debt? Ask a debt advisor a question 18th Nov 16 at 1:05 PM
    If you need help with your debts, this is the thread for you.

    Trained advisors from StepChange Debt Charity (formerly CCCS) are here and waiting to answer your debt questions. They’re a friendly bunch so please don’t be shy!

    There are three ways to get in touch:

    1 - Simply post your question below and Richard, Allen, Rachael, Linsi or Kirsty will reply. If your question is about bankruptcy, then pop over to the Bankruptcy board.

    2 - If you would prefer to ask a question in private, feel free to send a message to StepChange Private Messages.

    3 – StepChange Debt Remedy is a free and confidential online debt advice tool. You can put a budget together at your pace, and you can also talk it over with an advisor through online chat.

    If you're a StepChange Debt Charity client already, please contact its Aftercare team rather than posting in this thread (their contact details are in your Welcome Pack).

    This is discussion thread part four, see parts one, two and three.

    Finally, follow @MSE_Forum on twitter for debate and discussion on all things MoneySaving and more.

    If you haven’t already, join the forum to reply!
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Page 12
  • StepChange_Allen
    Good morning all. I really hope someone can help regarding debts to the HMRC I had someone leave a card regarding a debt yesterday so I rang them, and it turns out I owe HMRC about £2000 for not paying self assessment, I am oblivious how any of this works as I have always been employed by an employer. This has come from a spell I was out of work so filled in doing a few hours work for less than 3 months which I declared on the day to tax credits and the day I finished I told tax credits again I paid for my stamp for the three months I worked but it worked out as less than £120 a week so I wouldn't have hit any tax thresholds to pay etc and I took it as read that when the tax credit fella said I didn't need to do anything further that that was it. Now I owe thousands and the collectors said the minimum I could pay back would be £400 a month which they have no chance of getting as I don't have that in a pot. Anyone know where I need to start please??

    I am spending 2017 trying to deal with outstanding debts I was doing so well sorted out lots of minor debts into payment plans, clawing down the credit cards then this jumps into the mix and throws my anxiety through the roof ... We reap what we sow I guess
    Originally posted by rainedays
    Hello there

    Thanks for posting.

    I'm sorry to hear that this debt has suddenly come about and made things more difficult for you. It's difficult to be absolutely sure what's happened with this and what you could or should have done without knowing a bit more about the situation and I wouldn't want to guess.

    It sounds like something that we can definitely help with if you get in touch with us and speak with a debt advisor though if you'd be interested in that. Details of how to get started with us can be found here.

    It's free to register with us and the advice is free too.

    I hope this helps.

    Allen
    I work as a debt advisor for StepChange Debt Charity and have specific permission from Martin to post on these boards to try and help those in debt. Read more information on StepChange Debt Charity in the Debt Problems: What to do and where to get help article. If you find you're struggling with debt and you need further help try our online advice facility Debt Remedy.

    Don't be afraid of getting debt advice. We'll help you take one more step towards getting help with your debt.
  • StepChange_Allen
    Hello,

    Please help! I have received a Claim Form for a debt which I defaulted on in 2010. The debt was on a credit card for £7600. I tried to negotiate with them at the time until I got myself back on my feet. Since then I have paid them £1 a month so I believe this does not make the debt statute barred as this is seen as me admitting to the debt - is that correct?

    The claim form is saying that the debt was assigned to PRA in 2014 and that since then I have paid them £1300 - which I have not!

    My situation is that I am a single parent, working but receiving benefits.

    I need to respond by Monday - please advise what my best course of action is.

    Many thanks
    Originally posted by sidewayslook
    Hi there

    Thanks for posting.

    A debt only becomes statute barred if no payments or written acknowledgement of the debt have been made for a six year period at any time. So from what you've explained here you're correct that the debtr will not be statute barred.

    I'm not really sure why they'd say you've paid £1300 since 2014 if you haven't, that's an odd one, but I'm not sure if that changes anything. You could always call them to check why it says this.

    Our website has a lot of information on CCJs here and there's a section here which explains how to deal with and complete county court claim forms.

    If you'd like some further advice about the claim forms or any other debts you can get touch with us and get all the debt advice you need. All the information about getting started can be found on our website.

    I hope this helps.

    Allen
    I work as a debt advisor for StepChange Debt Charity and have specific permission from Martin to post on these boards to try and help those in debt. Read more information on StepChange Debt Charity in the Debt Problems: What to do and where to get help article. If you find you're struggling with debt and you need further help try our online advice facility Debt Remedy.

    Don't be afraid of getting debt advice. We'll help you take one more step towards getting help with your debt.
    • AndyLGR
    • By AndyLGR 22nd Mar 17, 1:28 PM
    • 218 Posts
    • 77 Thanks
    AndyLGR
    Hello, I have debt letter arrive for a debt that I believe is statute barred. Can anyone point me in the right direction of the statute barred template letter please, the one I found was from 2010 and wondered if there was maybe a later one to use. Thanks.
    • J1234567
    • By J1234567 22nd Mar 17, 3:29 PM
    • 1 Posts
    • 0 Thanks
    J1234567
    Hi,
    i just have a question about if anyone could find out you were bankrupt. I just recently applied for a job and the application form asked if I'd ever been made bankrupt. I was, but it was 14 years ago and I thought it was behind me. I just wondered if I would have to declare this forever or can i just move on now? If i say no, could the employer find out? The job is nothing to do with banking or finance or even working in a shop where you might handle money for example.
    Many thanks for any advice
  • StepChange_Richard
    Hello, I have debt letter arrive for a debt that I believe is statute barred. Can anyone point me in the right direction of the statute barred template letter please, the one I found was from 2010 and wondered if there was maybe a later one to use. Thanks.
    Originally posted by AndyLGR
    Hi there,

    There's a copy available on our website. Here's a link for you.

    Best of luck,
    Richard
    I work as a debt advisor for StepChange Debt Charity and have specific permission from Martin to post on these boards to try and help those in debt. Read more information on StepChange Debt Charity in the Debt Problems: What to do and where to get help article. If you find you're struggling with debt and you need further help try our online advice facility Debt Remedy.

    Don't be afraid of getting debt advice. We'll help you take one more step towards getting help with your debt.
  • StepChange_Richard
    Hi,
    i just have a question about if anyone could find out you were bankrupt. I just recently applied for a job and the application form asked if I'd ever been made bankrupt. I was, but it was 14 years ago and I thought it was behind me. I just wondered if I would have to declare this forever or can i just move on now? If i say no, could the employer find out? The job is nothing to do with banking or finance or even working in a shop where you might handle money for example.
    Many thanks for any advice
    Originally posted by J1234567
    Hi there,

    I've replied to the private message you sent in about this. Let us know if you need any further help on this.

    Take care,
    Richard.
    I work as a debt advisor for StepChange Debt Charity and have specific permission from Martin to post on these boards to try and help those in debt. Read more information on StepChange Debt Charity in the Debt Problems: What to do and where to get help article. If you find you're struggling with debt and you need further help try our online advice facility Debt Remedy.

    Don't be afraid of getting debt advice. We'll help you take one more step towards getting help with your debt.
    • AndyLGR
    • By AndyLGR 22nd Mar 17, 4:23 PM
    • 218 Posts
    • 77 Thanks
    AndyLGR
    Hi there,

    There's a copy available on our website. Here's a link for you.

    Best of luck,
    Richard
    Originally posted by StepChange_Richard
    Thank you, is there any guidance in law or the CCA about the 6 year rule? ie when it starts from. I've heard some claimants are trying to say its from default or termination of the agreement as opposed to last contact.
    • k.tokes74
    • By k.tokes74 22nd Mar 17, 4:43 PM
    • 1 Posts
    • 0 Thanks
    k.tokes74
    Hi

    My husband has around a £30,000 debt made up from 3 credit cards. I am looking to consolidate these debts to one payment a month, none of the sites seem to be helping. Would it be because he is self employed. I really don't want to down the remortgage route.

    Thanks

    Kerry
  • StepChange_Rachael
    Hi Kerry

    Welcome to the forum and thanks for posting.

    If your husband is struggling with his minimum payments to his creditors then there are many different options available to him. These options would depend on his situation. As a debt advisor we help people look at alternative solutions for problem debt but we aren’t able to give advice on further borrowing such as consolidation loans.

    There may be other forums on MoneySavingExpert.com that would be able to give you advice on consolidation loans. It’s important to note that in our experience further borrowing rarely helps as interest rates can be particularly high.

    If you Husband would like to explore their options further with us then you can find a link to our online self-help tool Debt Remedy here.

    Take care
    Rachael


    Hi

    My husband has around a £30,000 debt made up from 3 credit cards. I am looking to consolidate these debts to one payment a month, none of the sites seem to be helping. Would it be because he is self employed. I really don't want to down the remortgage route.

    Thanks

    Kerry
    Originally posted by k.tokes74
    I work as a debt advisor for StepChange Debt Charity and have specific permission from Martin to post on these boards to try and help those in debt. Read more information on StepChange Debt Charity in the Debt Problems: What to do and where to get help article. If you find you're struggling with debt and you need further help try our online advice facility Debt Remedy.

    Don't be afraid of getting debt advice. We'll help you take one more step towards getting help with your debt.
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