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Charging Orders...
OH is fighting a CO once a charging order is final, i'm i right if he's sign's a cca he would not have interest added each year. CQ
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CCCS Question....
Evening all Does anyone know what I need in front of me when I make my first call the the CCCS tomorrow? Am very nervous. Thanks
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Cca Question - Telephone Harassment
Can anyoune help me at all - I took a loan with Citi Fin4nci4l a couple of years ago, I have made consistent payments but had some financial problems due to the company I worked for becoming insolvent - to cut a long story short, I'm so sick :embarasse of the continuous harassment from a collection agent, imparticular this…
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When Debts get passed on to Bailiffs (& other advice)
what can you do? is there any alternative apart from making a payment agreement with them? this is non-council tax btw. My Parents are in Debt and I don't even know where to start to help them. They've already had £2000 off me which were my savings and not to mention other money, but I can't give them anymore, I am 23 and…
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Cant see for looking
Sorry think I am being really thick but I cant find anywhere the template letters you send off to try and settle in full your debts for less money. Can anyone help?:o
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Lost money help
On the 11 Feb I paid £200 cash into my Cahoot current account via the Post Office and they have lost the money I am in debt and the thought of losing this has just about finished me off, what can I do they say they cannot trace it and for the life of me I cannot find the receipt for the £200 I was chatting to the cashier…
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CCA requests - A query
Out of curiosity (because Im sure my employers are lying - big bad american cc company who also issue virgin a&l) With respect to a CCA request, when they are recieved , they are allowed the alloted time frames etc. if the CCA is not / cannot be produced, they debt is unenforceable. Is this still the case if you have…
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income support stopped
this is a long story but here goes but will try to keep it short. i have just had my income support and housing benefit stopped because they say i have over the £16000. back in dec 2006 my husband committed suicide,(we was not together at this point and i was living elsewhere) he was made bankcrupt earlier in 2006 so there…
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urgent help needed please
Hi, I hope someone can help...I'll try and keep it as short as possible.. Basically, ex-husband ran up thousands of pounds of debts, peed off and because they can't find him companies chased me for joint ones. I set up DMP with CCCS which I have paid every month for over 4 years now... Just before I moved home (approx 6…
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Help!!!
I have outstanding debts from my student account overdraft (nearing £4000!) And its now been passed onto a debt company who want to take legal action. What can I do?? Is there anyway I can get my charges wrote off? This debt has accounted to so much in the passed year whilst I've been trying to reclaim my bank charges…
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You know your'e a DFW when you...
Ok pepys time for some amusement! I was just looking in a cupboard for a juicer & couldnt find it - my first thought was have I sold it! Made me think you know you're a DFW when you do various things and it would be nice to have a thread with some light relief so here's my few... 1) You start making bread, marmalade &…
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Good evening from a new member....
Good evening all, I have been reading everybody's posts over the past few days and would like to join in! I had what seems to be described as a lightbulb moment around Christmas when I went for (yet another) consolidation loan and was refused. I have 12k worth of unsecured debt give or take, statement below. RBS Loan…
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Good evening from a new member....
Good evening all, I have been reading everybody's posts over the past few days and would like to join in! I had what seems to be described as a lightbulb moment around Christmas when I went for (yet another) consolidation loan and was refused. I have 12k worth of unsecured debt give or take, statement below. RBS Loan…
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DMP help!
First ever post. I am just about (in March) to embark on a DMP with CCCS. Debts stand at around £60000, mainly cc's and couple loans. Is it worth sending letters for cca's to each and every one or should i just let cccs manage my plan? What can i expect from my creditors? Will they accept the plan? £291 available to them…
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CapQuest EEEK!!!
A debt off mine has been passed on to CapQuest, what is the best way to deal with them. I do acknowledge the debt and am willing to pay it, I'm just broke and need a bit of time to pay it. I've heard bad reports about these and would appreciate advice on constructing a letter to keep them at bay.:eek::eek::eek:
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possible emigration, outstanding debts?
Hello all, first post, please be gentle! Please forgive me if this isn't the right forum, but it seems the best fit. We as a family are considering moving to Canada, on a (probably) permanent basis. We have approximately £50k outstanding on CC and £30k on personal loans currently. Asset wise, we have approximately £100k…
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Sold My Flat!
Hi! GG is happy this afternoon - have sold flat via the auctioneers post auction marketing! Got the reserve price and have exchanged contracts and have 10% deposit paid over (well not to me but to auctioneers!). Couldn't find the daily chat thread but this is so nice for me thought I'd start one all of my own!!!! Here ends…
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a bit of good news in a bad world
hi guys, ok well we have had the week from hell last week, well we thought it had got worse this morning, hubby has gone for a promotion at work and was told this morning that he was unsuccessful, they didnt even bother to interview him. anyway he has just had a call from personnel to ask him to go in, he has now been…
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Just saying hello..
On the advice of a couple of other forumites, I am popping in to say hello:D . I'm not 100% sure I belong here, as thanks to being make bankrupt I don't have any debts anymore, but I don't belong in the bankruptcy board either as I am now discharged. I am hoping I will get some good hints on living on a stupidly low…
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On DMP with CCCS but bank won't cancel a standing order for a loan!
My other half has a loan with HSBC and a loan with HSBC. She is now in the process of starting the DMP with CCCS and have cancelled all her direct debits for other creditors, and also opened a new bank account. Problem is that HSBC will not let her cancel the standing order for her HSBC loan!!! (it's standing order, not…
