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When the OR informs/writes to creditors question
Hi everyone, Posted here a couple of days ago about my friend who is hesitating about going bankrupt because she exaggerated her income when applying for a loan 3 years ago. Got lots of good advice and info re this prob and passed it on to her yesterday and she seemed quite reassured and more positive that bankruptcy was…
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Won a holiday, true or a scam?
After some advice please. I just got a phone call to say i've won a holiday after entering it online at myoffers.com on the 16th April. I enter so many comps i can't recall if i did enter or not. Anyway they gave me a reference number and then a phone number to ring. Rang up, gave the reference number and they confirmed my…
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I've had a break through!
Hi all, Its not really me thats had the break through but OH. He is a bit rubbish with money (but then so am since im on here, lol) and takes quite a flippant attitude as we are able to meet minimum payments and over pay etc he doesnt think that just because we can manage now that we might not be able to manage next week.…
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Purchasing a new car and taking it back?
OK, I have a friend that has been a complete and utter plonker - I am so cross with her I could shake her :mad: She has got debt problems and at the weekend, for some bizarre reason, she parted with a credit card and bought a practically brand new car :mad: from a main dealer. 72 hours later and realisation has dawned -…
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A & L suck bigtime
Hi Everyone, Just thought I would get some opinions on this one. This month has been quite difficult, several large bills, that we just covered. Now last night I had gone overdrawn by 92pence. I tried to move £1 from my savings to main account but didnt have enough in the savings account to ensure the minimum remained in…
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Employment Law - Any experts?
Hi, Hope somebody on here can advise. I'm about to be made redundant and was given my redundancy pay figure today, however it did NOT take in to account Standby Cover that I have done for about the last 10 years. This would equal about 40% of my salary so a substantial amount not to be paid, but because I will be TUPEd for…
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Just to say hello
Hi everyone Just to say I sent off my online application to cccs on Saturday and am waiting for my welcome pack. Is anyone aware of how long before it should arrive. Bit nervous but Im sure Ive done the right thing. So fed up of robbing peter to pay paul and struggling to keep my head above water. Bit worried about…
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Help
Hiya I think I have just had one of those Light Buld moment where you look at yourself and think, jesus how did I get in such a mess, I could tell you a whole sob story but thats not going to help so I guess all Im after is some advice of the best way to sort myself out. I have just worked out the following :- I have 4…
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People Who Borrow Money And Cant Pay It Back Are Thieves
Yes you read it correctly - if you have borrowed money and cant pay it back for whatever reason - some users on this board have said it should be classed as stealing - can you belive this attitude ????!! or is it me ? the thread is MORTGAGE WITH A CCJ in house buying renting and selling
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Cant pay tax debt... HELP!!
Hi I ran my own LTD business for one year and made £15,000. I was ill advised as to the difference between LTD and Sole Trader. My company is now dormant and in the process of being struck off but I'm back working for an employer and dont think I'll be able to pay my tax bill in June. Its tearing me to pieces, cant sleep,…
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Can they impose a charging order
I owe a large amount in credit card debts and was trying to go down the DMP route but as my husband and I split up a few weeks ago I think I maybe cannot now do it. I am now struggling to pay thr mortgage and other bills. I have been to the Citizens Advice who told me to do a statement of means to all my creditors and…
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SOME ADVICE ABOUT SPEAKING TO DCA's
Hi all, I have read various forums here about not speaking to Creditors/DCA's but to ask them to put in writing instead. Despite me banging on, going over the same old ground time and time again about when the money will be paid, HSBC still continue to phone and harrass me. (sorry for the tone used - it makes me angry).…
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Help with workings out of payment
Hi, dont laugh im having a blonde moment here. Can anyone help me with how my Secured Loan payments are worked out. We have had problems in the past paying but as we are now Bankrupt we now have the extra money from our unsecured creditors. We have a loan that is currently £267.13 in arrears which we are paying at the end…
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FAO Baliffchaser
Hi A while ago you asked me to PM you when I have finished paying off car loan with a view to reclaiming late payment fees. You said that you would help me through the process but there doesn't seem to be a way to PM you. Can you please PM me, I really could do with your help. Thanks Kathy
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Can anyone help re info from debt company?
hello, I'm new so I'm sorry if this is in the wrong place... I've got an old debt I've been paying off through BCW. By my calculation it's paid off and has infact been overpaid thing is (funnily enough) they don't seem to want to respond to my letters!! I moved house and told them my new address, nothing. I've written…
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statutory demand for a debt 9 years ago plz help
hi all ive been sent an sd for a debt from 9 years ago . there is no dates on the sd from when the debts from do i have to pay it or are they bluffing the debts for 1.598 plz help
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IVA failure - who gets the cash?
I have just been told by my IP that if my IVA fails I would not get any of the money back and the full amount that was due to the creditors when entering the IVA would become due. She also said that they don't pay the creditors till near the end of the 60 months. After coming off the phone I got to thinking - if I have…
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Pap & Moozies What have/will you spend Monday 19th May??
Afternoon all :D Today I have spent £3.50 on a pair of black school plimsoles for DD ( couldn't get any anywhere:eek: do they think children's feet don't grow near the end of term? ) 95p on a grotty hair net as sent to a different school to work ( catering asst ) & mine was at my usual school. Few bits of food, but that's…
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Red Debt Collection Services
I recently had a letter from Red Debt Collection services regarding a debt that was at an old address and dates back to 1997 the debt ralates to an overdraft £1000 with HBSC but Red are claiming £6990 Can anyone advvise the best course of action? Help
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Going to court on Wednesday,
what paperwork do we need to take as it's for a CO and i'm bricking it? Will payplan let us take it off the DMP ,for us to pay it seperately through a S.O if the judges rules in the creditors favour,many thanks. CQ