-
First CapQuest, now SRJ for the same debt!
Help! My OH was contacted by CapQuest regarding a debt that wasn't his. An ex girlfriend had opened a joint account in her and his names which he knew nothing about. We did the letters & £1 postal order to CapQuest and they couldn't provide any contract, finally giving in and admitting they couldn't chase the debt. Now he…
-
Help!!!
Hello everyone. Im new to this site though sadly im not new to being in debt. At the moment im struggling to meet the monthly repayments on my credit cards. Was just hoping for any advice. Is it possible to get help from credit card companies regarding paying less each month?. Any advice or experirnces would be grateful…
-
Don't these people ever give up?????
Sorry, am in good ranting form and need to let off some steam....:mad: :mad: How cheeky are DCA's? Constantly ringing me at work (luckily I have voicemail so ignore the phone until the vm picks it up) but they are now witholding their numbers, leaving messages on my home, work, and mobile answerphones pretending that they…
-
Yay - Hootie has grown up
DH's new Barclaycard arrived in the post today, the old one having been cut up some time ago. There's almost £2,000 of credit available on it. Whereas in the past I'd've thought - brilliant, I can buy X, Y or Z, and been straight onto goodness only know what shopping sites, today I took the scissors and chopped the card…
-
What happens if....
What happens if....you just stop paying credit cards? Virgin (MBNA) in particular. Does the fact I live in Scotland and they are in England make any difference to the outcome? I am struggling to pay my debt to them, I have been making slightly more than the monthly minimum payments, but they do whatever they like and…
-
Help! In-laws and charging order
I need the wisdom of the board to help me to help my inlaws ~please! The in-laws have received notification of an application to register a restriction against the land. This is in FIL's name, but he does not know who the original debt is with/for. We have until 13th May to object to the application. Is there any way we…
-
Debt Clearing Challenge
Hi everyone I have been inspired by Beckseven's clear a debt by 16th June thread :D . Had to change from my loan as a debt to clear to a couple of O2 debts I have that total £549.89 - still aiming for 3rd June to clear them by. My main ways of doing this will be: Carboots Mystery Shopping Surveys Slice the Pie Clicks…
-
I'm back with my head hung in shame!
Well guys - long time no see (thats if there is anybody left from before!) It seems I will never learn and have yet again run up my credit cards :mad: So annoyed with myself I am like bloody child at times. HOWEVER I do have some positives (though before you say it - yes I know these positives should be used towards my…
-
Despondency Now Everything Paid
I've Been A Member (But Chose Not To Post Anything) On M-Saving Expert For Two Years, And In That Time Have Followed Advice & Even Listened The Thoughtful Emails Every Week That Martin Posts, Regarding Clearing Debts & Financial Prudence. During That Time I Paid Off In There Entirety.... Citi-Bank Credit Card Mint Credit…
-
Hi have just done my soa
Hi, i work as a nurse so my monthly salary can alter from month to month. I havent included my capquest payment on here as it finishes this month. Also not on here is my union fee of 15.42 per month, my rent is going down to a 120 from next month am still living with my parents. I also go to exercise classes which are 25 a…
-
My Rights & Those Of Debt Collectors
Hi all, Just a quickie, Do I have to give my name to debt collectors? The reason I ask is that AJR phoned me last month regarding the former occupier of my home (we moved in 14 months ago). I told them then that she no longer lived here, gave them the names of the solicitors who dealt with our house move, but refused to…
-
Desperate
Husband and I separated, considering going BR, due to massive debts in personal and business. If I do will I be putting his share of the house at risk? He has no idea how bad the situation is. Just received court papers for 11K loan, company want 2K per month over the next 5/6 months, rang this morning, girl on phone was…
-
Help me I think I'm falling.....
Have today received a letter from HSBC telling me that they will be closing my account in 30 days because they had to refuse a dd due to insufficient funds . This is the third time they have had to do this within the last 6 mnths. I have only ever been 1 day late each time but 3 strikes and I'm out. My wages are paid into…
-
Trusr Deed. Too good to be true?
I have just been phoned by Baines and Ernest re debt management. They advised by entering into a trust deed i would only pay £310 per month for 3 years afterwhich any debt remaining would be wiped. Surely this is too good to be true? What are the disadvantages? Currently i am selling my own flat and buying a house. With…
-
short term cash flow
Very new to this but feeling that this is the first step to reducing my debt. Things have been getting on top of me lately; a very demanding work schedule that has meant me being away from home and spending on restaurants whilst living in hotels and mounting cc debts. things have really come to a head meaning that I am…
-
Help please - HSBC address for F&F letter?
Hi all, I've just been given a sum of money to pay off my debts (circa £35k), but am offering around 40-50% of each debt as a F&F settlement figure. However, I don't have any letters / statements from HSBC for my debts. I've received a solicitors letter, but need to send the F&F to HSBC, both for my current account…
-
Hello I'm new
Hello I'm new on hear and i really need as much advice as i can get. I'm an single mum i work 16 hours a week and the days i'm not working i'm studying with hopes to become an Teaching assisant one day. My debt is not great. off the top of my head £3000max this includes cards and catalloge bill and an over payment of…
-
Debts Wiped Off
Could someone tell me how long it takes for debts to be wiped off. I've been told that debts have to be wiped after 7 years if creditors have not been able to contact the debter, & have not recieved any payments for that length of time. Could someone please tell me if this is true & how it works.
-
Property Question
OK - this'll probably all be a bit vague, but I want to run it past you guys. As you may already know my OH has run up credit card and loan debts in excess of £50,000 - now, we have a mortgage on our own house but my husband also owns a 50% share in his mums house, which is all paid for. We are seeing someone from welfare…
-
ex entered IVA, Loan in my name also - HELP
Hi Im asking on behalf of a friend, who's ex has entered an IVA. One of the debt included is a loan in for around £30k in both her's & his name! How does this work exactly? Does this mean that only half of the loan will be paid and does she still has to pay for the other half? Or does it get wiped out completely. Advise…
