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Moorcroft...help!
Hi Everyone. We have an unpaid water bill of £750 :eek: ....moorcroft are now dealing with it. I haven't spoken to them yet, but they've sent a letter threatening bailiff action, court action, attachment of earnings etc etc. we are up to our eye's in it as it is I can prob only afford £10 a week at the moment. do you think…
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How Do I check up on my Wife Debts
A few years ago my wife managed to run up VERY LARGE credit card debts without my knowledge. Stupidly she buried her head in the sand, thinking that if I found out it would mean the end of our marriage. Unfortunately I became seriously ill and had to spend many months at home. It was during this period that I notice more…
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Template letter to creditors? Help!
Hi, Im doing an IVA and have been told to write a letter to all my creditors telling them the situation and sending them a cheque as a token payment.... trouble is i'm not very good at that kind of thing. Does anyone know wheres theres a template letter i can use please? Thanks in advance.
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Bankruptcy hearing do I have to go bankrupt?
I am scheduled for a Bankruptcy hearing at the start of July,due to unpaid council tax. I am not in a position to pay the total amount(£3000 plus fees of £1000)but will be able to pay it back over the next year or so,the figure also includes the coming years council tax,so the back log is £2000,if it ends up going to court…
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can i claim back my charges on my dotty p card?
hi all a in the process of claiing back anything i a owed so i can throw it at my debts. just a quicky can i claim back my charges on my dorothy perkins store card? and is the same process as claiming back cc charges? any help much appreciated! am on one this morning again!!!!
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Mobile Phone Contracts
My mobile phone contract ends at the end of June and i was wondering if there is anywhere i can check to see if what im getting is the best deal for me. I have been with O2 for years and years now, and im worried that i might not be able to get another pay monthly contract (due to my rubbish credit history!) but i have…
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can a DCA do a CRA search on a debt that is statute barred
Can anyone help ? I suffered a break down around 7 years ago , after a mountain of debts. This debt became a CCJ and no payment was ever made on this debt. I geninely forgot as I had 21 defaulted accounts Ive turned my life around and thankfully are now paying the debt back to other creditors. (25k) . Most of the creditors…
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what letter to find out bailiff charges applied?????
hi does anyone have any idea what sort of letter to write if you wish to find out what charges a bailiff collecting council tax arrears has charged you? trying to help a friend but don't know exact advice to give:o her debt seems to have gone up by £200 when she had actually paid £80 off it- so should have gone down not…
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Taking Barclays to court whats my chances
Please anyone help me. . I would like advise on the actions of Barclays bank regarding the below mentioned accounts. I do believe that an injustice has been done and it has proved very difficult to make any headway in getting to the bottom of the matter. In December 2005 Barclays Bank closed all linked accounts without…
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Free days out and other ideas
Hello! I'm new to this board (although I often read stuff here). I'm almost debt free (I have a holiday on my 0% Halifax card but I'm paying it off), however, I am also Mortgage free and have a rather large child maintenance outgoing and 2 boys under 12. I'm finding it hard to keep my kids occupied for free (or nearly…
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advise-on where i am going wrong
hello im new as well although been lurking for a long time im no good with tech stuff so i am hoping someone can jump my thread on a new forum as i cannot-sorry i did try anyway heres my soa-again couldnt do this right either but i would really appreciate comments thank you monies in 2432.56(my wage 707 hubbys 1559 wt…
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Wednesday 21/05/08, what small DFW things have you done today?
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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Credit score chnages
I've been checking our credit reports and score so that I have a base to work with and see how much it changes. I got hubbies score 2 days ago and was 588 which is in the poor section. Everything was satisfactory except for one card that was 1 payment late. The records have now been changed (they have received their…
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Im In Trouble, Repossession, Secured Loan and Court. Please Help!
Hi people and thanks for your help in advance. I have fallen into arrears with my mortgage and secured loan (GE Money) to the tune of 5k, I had a repossession hearing some time ago now where the mortgage company (Oakwood) tried to get an agreement where I would pay an extra £183 on top of my mortgage to clear the arrears,…
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Halifax sending people to my house - why?
I have a credit card with the Halifax. I've sent them my proposals, budget sheet etc and they've never acknowledged it. They do, however, ring me up EVERY DAY from before 8.30 am to about 9.30pm. If I pick up the phone, there's no answer. Anyhow, yesterday I got 2 cards through the post. They said - 'Important Notice. Our…
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did get loan and now im in big trouble
Hi everyone, Iv landed myself in a right load of trouble, I have a large debt with british gas which iv been trying to pay, but dont really pay enough to make a difference, I was also behind with my rent. BG threatened to send blokes round cut us off blah, blah. my wife sorted it and ended up spending some money out of the…
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Pap/Moozies What have/will you spend Wednesday 21st May?
Morning all:D Hoping to have a NSD today, just doing housework, before work Lovely sunny day enjoy:p & don't spend too much:T
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Hello - I'm new!!!
Hi, Have been reading people's posts on the site for over a year but only registered today. I have had many lightbulb moments but chosen to ignore them until now. My debts are as a result of not living within my means for the last 5 years. I have gone to some beautiful places (with money from credit cards) but now I want…
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CCA request for retail agreement
Hi all, Can anyone point me in the right direction for the CCA request template letter. Thanks in advance
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school photos
the group class photos are out now. four x £8 is heck of a lot of money for something thats going to sit in the cupboard (my daft head says get them so something to look back on! my sensible head says they dont need them so no point in paying money out on them) what do you all do or would do...did think of nabbing someones…
