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Help !!! Interim Charging order recieved
I need your help please, have arrived home today to find an interim charging order it is to do with a ccj that lloydsstb took out on me. Does this mean they ccan take our house ? I am really worried. The ccj payments started in Jan i missed feb but paid double in march. I phoned the solictor and explained the reason. The…
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Bankrupt and kept your house?
Hi We are facing Bankruptcy - well, my husband goes to the Court tomorrow to get a meeting. Neither of us are sure what this all is really, although have trawled websites for months.. it has been rushed. We have been told that as there is no equity in our property - it has had two remortgages on it - we aren't likely to…
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Rundle Co Bailiffs coming TODAY? / TOMORROW
As you probably guessed i am usually on here under a different name...although i don't think i have been on the debt free bit before.... anyway here goes.... Hi i am hoping someone can advise me, i am going to write this in very simple terms as i am shaking and crying. NOTE at this moment in time no bailiff has even…
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Re determination?
Has anyone got an idea timewise of how long it takes from the time you have asked for a re-determination? Seems like Ive been waiting weeks, last info was that the case was being transferred to a local Court for hearing? About 3 weeks ago... Im not keen to go but obviously would like to stop worrying:eek: and get it sorted…
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Debt collector - advice appreciated
I sold some things on Ebay a couple of months ago and accued some listing fees. Normally, the fees are paid automaticaly via my bank card, however, I'd had my purse stolen recently and forgot to update my card details wth Ebay, so the fees were not paid. The following month (last month) I had a letter from a debt…
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Will the Baliffs make an affordable deal with me?
HI, This is my first post here and I'm pretty shaken up. I owe £441 for last year's council tax and it's gone to the baliffs. I've been very irresponsible but I'm finally trying to sort out my finances with the help of my therapist and boss at work. So I found out today that the Ballif has the case. I was told to call the…
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New and need some advice and support
I'm no newcomer to debt sadly, and have seemingly not learnt my lesson. Had previously cleared a long standing managed loan with HSBC but am now really in over my head. Hubby and I have in total our mortgage which is £136000, secured loan of £25k and unsecured debts totally £45k. Actually writing that down is absolutely…
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can contacting creditors before DMP route is chosen hurt?
Hi - Have typed this once already so apologies if its on here twice I have been on the CCCS website today and have been recommended for a DMP which will pay £1215 of debt monthly to 13 creditors whom we owe 72.5k too!. I have about £30k of equity in my house, but cannot sell due to family etc etc I have been making…
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can't pay debts due to massive pay cut
Hi all, new to this forum , Desparatley need help. I owe £17,000 total between 2 credit cards. And i have 2yrs left on a 7yr loan (not secured) which i owe about £8,000. I have just been informed that my company are changing my shifts and that i am to have a paycut of about £750pm. I can pay mortgage and utilities but…
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Hey I am new and a desperate DFW
Money life a bit mad. 3 credit cards, loan and overdraft. trying to work out the best root to financial betterness (if there is such a word) I had a change of career, divorce and a another break up and now I am paying the price for my emotional dependency on getting by...I have not even bought a nice car or things just…
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CCJ gone horribly wrong
I'm typing on behalf of a friend who is in a bit of a state (and will no doubt be logging in herself when she's back from school!) She received the claim form from HFO debt collectors re; debt on a loan, the court never received her offer of payment, judgment was made on 1st May. Phone call today from HFO saying we won ha…
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I' m New
Hello all, I have finally decided to register withe forum. I have read so many words of encouragement given to different members, it has made me realise that i am not alone anymore. I shall continue to post with my story, when i get the hang of how the forum works! but just wanted to say hi first. :T
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Will I have a problem with Lloyds TSB?
I have read a few posts where people are having trouble with Lloyds TSB. We have been on the CCCS website and have come up with what seems like a pretty good DMP but I'm worried now because our main creditor is Lloyds TSB and we have a few different loans with them. Can/will they refuse the DMP payments?
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Debt collector making my life a misery
Hi am hoping someone can advise on this problem thats quite worrying. My husband and I got together in 2004 after he broke up with his ex partner. They had a joint account with a well known bank whom she works for. He decided it was best to take his wages out of the joint account and set up a new account with a diff bank…
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ive done it!
Hey, anybody reading my previous posts will know ive been had over a barrel by lloyds tsb, for almost 5 years now, regarding my overdraft which at its peak was at £2000, with me as a student. ive had such a stressful time over it, but AT LAST, the last installment of my student grant has come through and i've disciplined…
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How do I use ga*a bingo
:confused: :eek: :o Okay, I'm dumb.... I admit it.... but I've logged in, I swooped on a game that was due to start on the hour(those contain the free ones, yeah?) and they *still* wanted me to deposit money, i.e. not a free game...!!! How do I do it? I feel *so* stupid.
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Ex's debt
In April 2005 I separated from EX OH, in June 2005 we sold the house and split the proceeds. We wrote a list of all the debts and whose name they were in, by coincidence virtually 50% of the debts were in each of our own names except the joint bank account which was OD by £1300, he agreed to add that to his list of…
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Change in experian credit scores !watch out!
Those who have read my previous threads will know my total unsecured debt is at £63000. ouch.... I am on a good income and have taken action. Now over paying on all loan and credit accounts. I will be debt free! Just ran a credit score check on myself and since the 01/05 my national rating on experian has changed from 931…
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Launch of the MSE Charity
Hi folks, we're just about to launch the new MSE Charity. If you'd like to see the website and give us feedback please read this... MSE Charity Feedback thread Martin
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Help; Cca Or Not
Hello, I wondered if anyone could help me please. I have today received from Barclaycard some documents and I don't really know what i'm looking for in terms of a true CCA. They are 1. A signed copy Application Credit Card Agreement regulated by the Cunsumer Credit Act 1974. 2. A copy of original Barclaycard Conditions…
