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Letter to Creditors
I'm No. 384 DFW and I have several financial problems. First of all I am just starting to have real financial difficulties. My mortgage and most of credit card bills are up to date but I won't be able to pay my cc's and my mortgage any longer so am opting to pay my mortgage which is £1,200 per month. My husband and I have…
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Notice of Transfer of Proceedings received.
I have a CCJ against me from Link Financial which I just cannot pay. I got a letter today (form N271) stating that the claim has been transferred to my local County Court for enforcement. Does this mean bailiffs will visit? Unsure what to do next.
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Question from Serial Debtors Wife
Would it make sense for him to apply (in his name only) for a loan to pay off the two credit cards? He has about £6000 in total on them. I'm thinking it would be better to apply for this loan and have one direct debit per month over say five years at a lower rate of interest than the credit cards charge. It would mean one…
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Pot of Money-How to use it the best way?
Hi I have a pot of money on it's way and although I would LOVE to book a holiday with it....BUT my sense of responsibility is strong and want to use it effectively as I can to ease my worries a little.I also want to retain a small sum for an emergency buffer. I intend to pay off smaller debts completely with it and then…
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A question for Bailiff Chaser
You've mentioned this a few times - what is a CCA? And why does it mean that if creditors don't have one they will write off your debt?
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Just phoned Debt Collection Agency
Am shaking like a leaf. The girl was 'professional' but not nasty. They have agreed to take my offered payment for the next 3 months and 'will review' after that. They want me to send in a copy of my SOA. I assume this is all normal practice? Am glad that they have accepted the offered payment, hopefully if I make all the…
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can you get a mortgage with a DMP?
Anyone know if you can get/apply for a mortgage whilst under a Debt Management Plan? My wife's finances are fine and not affected, so no worries from one side. If so, anyone know any good companies and how a DMp affects things? Thanks and best of luck to all!
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My Debt Diary
Hi All! After reading these forums for some time I thought I would finally register and put up my SOA as it may will me on to get out of my debt problems quicker without slipping into the same old problems. I got into debt as an 18 year old offered a credit card from my bank, it spiralled out of control an I slipped into…
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how much have/will you spend today??? Fri 20th April
:hello: Well it'll be a lowish spender for me, but don't care anymore as I'm already over my budget :mad: £1.50 for jobs paper £0.65 for Diet Coke at lunch Maybe a little in the Supermarket tonight as going to darlings boyfs tonight for the weekend so if he needs anything for din I said I'd pop in. Keep it low and have a…
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Look At This Warrant Against Barclays Bank For Non Payment !!!!!!!!!!
Here is the link for a warrant of execution that i have passed to the county court bailiffs at bow to execute against barclays bank for non payment of judgement !!!!!!!!!!!!! http://s162.photobucket.com/albums/t264/BAILIFFCHASER1/BARCLAYS%20BANK%20WARRANT/?action=view¤t=WARRANT1.jpg double click on the photo to…
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Debitas Legal Services
I have been reading some earlier postings regarding Debitas Legal Services,which I believe is the debt Collection Agency for Capital One. My husband owed just over £1,400 to Capital One who transferred the account to Debitas.We entered into an arrangement with them to pay £15 monthly by standing order until the debt was…
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annoyed at work!
I work part time at work- thursday & friday nights 6-10, which is great as i get the bus home (costing 1.35) and i do all day sunday, when i have to get a taxi home (costs a fiver) well they landed on me last night to say that i will need to work longer - till 10.30- the last bus home is 10.30- so i will need to get a taxi…
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20.4.07 what small dfw thing will you do/have you done today?
It's Friday :j You know what to do! (which is just as well, because I am half asleep!) Let us know what small steps you are taking on your road to being debt free! Today I have/will be: - sending everyone off with packed lunches - doing storecupboard lunch and dinner - trying to undo a big ebay error that OH has created -…
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Debit Advice
My friend has debits in the region of £38,000 (£11,000 of which is mortgage). She is in her mid 50’s and unable to work due to ill health and has no income. Recently she is now at the point where she is unable to find money for food never mind bills, loans and credit card payments and is now finding that due to interest…
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Some CCJ/Credit Card Debt Advice
Hi, Some quick background - my mum ran up £10,000 on a credit card and only told me when she couldnt afford the minimum payment. The card is with HFC bank. We agreed a repayment scheme which expired in February. They sent out the forms to renew it which I sent back the next day by special delivery. They received them the…
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Taken a big jump to get out of debt......hopefully
Hello, I am looking for some advice please! I am a little fed up in my current job and need to start to earn some more money to cover my outgoings and pay some of my debt off. My little boy is also starting school in September, so I need something a little more flaexible that my full-time job at the moment. So.... I am in…
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Repost of earlier message (please help!)
Hi all I posted this message earlier, and only got one reply - I really need some more advice - please! I applied to Payplan last week and have sent off all my letters to my creditors (last Thursday) I am waiting to get the correct amounts for all my creditors so I can send them my statement of affairs (or whatever it's…
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Time to stop
Hi everyone I've been looking on this site for an hour now and its been really helping me with my problems. I'm in my early 20's and am estimate that i'm roughly £26,000 in debt. I've got 5 credit cards, 4 store cards, 2 loans and an overdraft. I admit its all my fault due to overspending - i'm a shopaholic. I think…
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iF YOU LIVE IN MEDWAY THEN THIS IS WHAT A BAILIFF CAN CHARGE YOU FOR COUNCIL TAX
HERE IS THE LINK: http://s162.photobucket.com/albums/t264/BAILIFFCHASER1/counciltaxcharges/?action=view¤t=settle.jpg What do you think ?
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Newbie debt help!
Hi all, I've been searching through the forum and I feel kind of silly since my debt is nowhere near that of some of you but it's really upset me... It's a bit long winded, sorry! :o I'm with HSBC, have been for the past 3 and a half years. I started with a student account which is now a graduate account... I got a letter…
