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House Repossesed + £96,000 !!!
I am placing this post here in the hope that someone may be able to help me. I could write a book about what has happened but think it better to just present the facts as they are (sorry that it is a bit longwinded) My life has been ruined by this and I am hoping that someone will help me put this right. Everyones reaction…
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Need Urgent Advice Re Eviction Notice
Hi Have not posted for a while, have been trying to deal with all my huge debt mountain. Really need help, had a suspended possesion order granted agianst me November 2007 (last time of posting), had made arrangement for paying arrears on secured loan with lender which they wanted backed up with the order, happy to accept…
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please help ;-(
Hello.. I stupidly got a capital one credit card a while ago and missed the re-payments. Now i got a letter today from a company called debitas saying they now are responsible for my account. it ays i have to contact them within three days. My balance is £335 If i contact them are they going to demand payment there and…
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Removing Default Notice from Credit File
Hi all, I had an overdraft which was defaulted in 2005. I truly, honestly, didn't receive notice of the Bank's intention to file it as I'd moved house earlier that year. I did, however, negotiate a full & final payment with Wescott (boo, hiss) when they tracked me down 6 months later. I had a half-hearted try at getting…
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littlewoods catalogue debts
Hi.. new here My daughter has a debt with littlewoods catalogue. which is with someone called NDR.. the CAB have written to them twice, but when she rings, they say they have not recieved anything from the CAB, and try to bully her into paying £100 very two weeks.. when she only recives £46.85 dole money.. and lives alone,…
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Am I doing the right thing??
Hi, I'm on the verge of borrowing £15k from A&L @ £320 plus £84 Loan Protection over 4 years. The reason? To clear; £6.5k Halifax Visa £2.8k Nat West Credit Card (Currently 0%) £3.1k Mint Credit Card The remainder to clear negative equity on a car that we're about to sell I currently pay £370 a month off the cards and save…
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Can someone answer some questions
I am having trouble with my Halifax credit card, no sh** I hear you say! I got started on a DMP over a year ago by myself with the help of the CCCS, after a year the Halifax said they only did them for 1 year and wanted me to get my account up to date, so I got back in touch with the CCCS who arranged another DMP starting…
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IS this credit card agreement enforcable?
Hi, My GF has a credit card which she did apply for and spent on but it was opened in the wrong name (the surname quoted on the card, account etc is not hers) very similar Hill not Hull. Should she ask for a copy of her agreement to see if they have it. If they dont I would assume she could claim it was not hers. What do…
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Worried About Losing My Home
Hi Wondered if anyone has had a similar experience to mine. My OH ran up credit card debts of over £30,000. Citizen's Advice arranged reduced payments for him and this has been ongoing for around 6 months now. They are only dealing with his financial situation as I didn't want a joint debt plan. We own our own house and…
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M&S credit card, CCA request and copy of card application form.
About three months ago my wife did a CCA reqest on M&S. She has just received a photocopy of the credit card application form and what appear to be generic terms and conditions. The point that we need advice on please is the application form, because she didn't complete the form (it was completed by a staff member in the…
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What's a reasonable amount of disposeable income to live off?
And to also have enough to live a varied and interesting if not extravagant lifestyle? Talking once mortgage/rent, food, bills, creditors have been paid off, what is a reasonable amount to live off, for things like entertainment/clothes/nights out/dvds, but still within a budget??
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Advice please RE: Intimidating debt collector
Hi thank you for taking the time to read this. We had a knock at the door tonight and DP answered. The man at the door had a conversation with DP as follows. Him: Hello DP:Hello Him: Are you Mr A? DP: Why?Whos asking? Him: Well, are you? DP:Who are you and where are you from? Him: I can only talk about this with Mr A. DP:…
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Lysasparkles debt diary.....
Hi all!!! Well i thought that seeing how loads of people have their own debt diaries on here that i would start my own!! Firstly... i better tell you guys how i got to this place... I started racking up debt when i was a student about 4 years ago.. it started with a student overdraft and credit card...before i knew it i…
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Debt pushing me over EDGE?
Iam at my wits end. dont know where to turn or what else i can do. every time there knock at the door my hart stops, it takes friends and family to have to txt me to let me know they are at the door. Been to CAB debt managetment all tell me same thing, I have no spare money to offer anthing to my creditors!! have written…
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Overpayment of Tax Credits..I need help!!
Hi all, This is my first post so apologies if it's in the wrong thread! I received a letter last week from HM Revenue and Customs stating I had been overpaid Child Tax Credits 4 years ago and I now need to repay the £600 odd pound before they take legal action. I rang them and disputed this, but they claim I EITHER didn't…
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Debt or push me over EDGE?
Iam at my wits end. dont know where to turn or what else i can do. every time there knock at the door my hart stops, it takes friends and family to have to txt me to let me know they are at the door. Been to CAB debt managetment all tell me same thing, I have no spare money to offer anthing to my creditors!! have written…
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Received ‘Notice Of Seizure’ – Help!
I’ve ignored a situation of owing a bill to a company, and it caught up with me this morning. An Enforcement Officer visited my parents house (where I live) to hand over a High Court form #55, ‘Notice Of Seizure’, which I think is some kind of writ. The reason I’ve not paid this bill is because this company provided a poor…
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SOA from a n00b
Well, after several false starts over the past year, I feel I'm in a position to be able to start tackling my debts head on. Here goes :beer: Income F/T Job £20k £1300 - rises to £24k in 2 months P/T Job approx £200 Partners Income F/T Job £12k £860 - rises to £14k in 4 months P/T Job £186 Expenditure (J) Mortgage £625…
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Is this a good idea?
Hi everyone I know that some people will say this is in the wrong place, however I just wanted some feedback from my fellow DFWs :o . Basically, I want to start doing some carboots now that the weather is getting a bit better but I need to build up some stock first. I can easily get carboot stuff from Freecycle (stuff that…
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Breaking news : Rundle and co bailiffs have taken over ccs enforcement services
Rundle and co bailiffs have officially bought ccs enforcement services out. Who are ccs enforcement services ? They are the bailiff companywho were featured on the bbc whistleblower programme in sept 06. companies house shows the following information : Name & Registered Office: RUNDLE & CO. LIMITED 53 NORTHAMPTON ROAD…
