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Bailiff visit
To cut a long story short my sons girlfriend left leaving behind a £700 BT phone bill. She didn't tell anyone she was going she just went. Anyway i offered to pay the outstanding bill to BT who refused as it was in her name only. They also said to send back any letter for her as not known at this address, which we have…
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Life After Debts
So, what’s the first thing you will do when you are debt free? (I'm not talking about all the sensible stuff, like set up your savings account, creating a nest egg etc) Aghhhh the days when I am financially free, now I have learnt the hard way about budgeting and planning. I have decided that I’m going to save up and go…
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ipo questionnare
hi all just wondering if anyone has recieved an income payments order questionnare , we went bankrupt in feb 2008 , and my oh has just recieved one , just wondering if this normal or something to worry about once again. and how does irregular overtime work , do they take it into account . does anyone know once again…
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Need help with energy supplier!!!!
Hi everyone, I have recent got my bill from British gas, it is nearly double for the quarter than the last one (£136.75 to £253.63) i called them as soon as i got the red letter cause i dont want to get into trouble again. They offered me a monthly direct debit which including "projected usage" came to £70 per month. My…
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Equifax contact details
Hi has anyone got contact details for Equifax an email address for customer services if possible. I tried to to create an account online, input my card details etc and then the laptop crashed so dont know if payment will leave my account and cant contact them as I have to log in to access contact details and cant log in as…
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silly question but i dont know the answer
hi everyone Stupid question i am going to go BR in a few months but i need to know. I got broadband with calls etc. and i got a FREE LAPTOP with the deal... YES you guessed right..:rolleyes: would it be taken off me i have no assets of real value but the laptop I'm not sure if it would be taken off me.:confused: your help…
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repposession imminent!!
My fil is on the brink of having his house repossesed due to non payment 3 months by a court order. the house is worth 250,000 and it has been remortgaged up to 235,000. he has been living there for over 30 years and has had to borrow on it several times due to bad trade in businesses. he is thinking about just walking out…
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Help pregnant and in debt so worried :'(
Hello This is my first post as have only just joined today.. I've only just found that i'm pregnant which was very unexpected! Now i'm so worried about my debts and how i'm going to pay them! The thing is me and my partner only moved out of a private rent flat this feb gone and moved in with his parents so that we could…
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Newbish Needs Help With SOA!
Hi all, I’ve lurked around here for a while posting occasionally on the housing board. Anyway I’ve got a new job which has given me my LBM! My debts are not massive but they are currently ‘creeping’ after 2 years of trying to pay them off, so I wanted some advice and help from you lovely people really. Monthly Incomings:…
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SOA - the end seems so far away!
gone.....................
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Urgent Barclaycard Came To My House 2day
i need a strongly worded letter to send to them as they have failed to provide a cca they sent application form then today a bloke in a black skoda superb got reg if interested some bloke says he was from barclycard some freaking fat heap of [EMAIL="sh@t"]sh@t[/EMAIL] threating balliffs etc told him to leave but wouldnt…
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Husbands Credit Card...........Please can someone help?
Hi Im relatively new here so apologies if this is the wrong place to post. Basically my husband has a Visa card with the Northern Bank from before we got married. He has been really bad at making payments on it, basically he is lazy and never bothered to do it. Now despite several calls to him and him making a few payments…
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just got in touch with CCCS, advice????
hi, been on the phone to HSBC this morning, as i am well overdrawn, bank charges etc etc, HSBC cannot help me out so i had to ring CCCS. i am having a appointment phonecall on friday morning and just wondered what exactly there gunna try and do? i have 2 credit cards, overdraft and personal loan. will they try to…
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Not all debts showing on credit report
Hi, I have a loan that is almost due to finish but it has never shown on my credit report. Should I get it on there. Especially as I have never been late with the payments (not like other loans I have) so could this improve my score slightly. Is it best to have everything on there Thanks
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My updated SOA
Hi guys I've updated my SOA since I first posted in Oct/Nov time. I still think there is room for improvement and any advice would be greatly received. My salary - £1,376 Partners salary - £1,500 Total - £2,876 Monthly Outgoings: Mortgage - £777.48 Council Tax - £101 Gas - £35 Electric - £39 TV License - £11 Household…
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Not a lot...but still
Hi, My debts aren't as bad as I had first thought, but they're enough to have been giving me the jitters. I have checked all the credit reference agencies and they came up with the following debts. Natwest £2,966 Aqua £393 Orange £158 Hsbc £8 I'm just wondering whether it would be worthwhile getting myself a Debt…
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Caution on Deeds
Hi, I'm back again and still waiting to find out from our solicitor on how to get the caution removed. Our solicitor has found the solicitor of the company who bought the debt (still unsure if they were the original company who put the caution on) but after numerous phone calls still nothing has been done, We are wondering…
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Help with credit card debt - what to expect now
Hi Can anyone please help me. I am in a right mess and going out of my mind with worry. I haven’t paid any payments at all on my credit cards since end of February – I have had no income until then. I have received all the phone calls, chase letters etc and spoke to all my debtors telling them I would make a payment by 6th…
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Cashback offer with Payday loans
I received an email last night from one of the cashback sites and said if I take out a Payday loan for say £80.00 I would get £22.50 in cash back. However I have gone on to their site and the interest over 30 days is over 1000%. I would like to apply but pay the amount back the next day. Does anyone know whether you are…
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Studio Cards
DON'T GIVE UP!!!! :T Studio Cards passed my debt to Moorcroft for collection as they reckoned I owed them money. I challenged them about all of the charges they had made to my account, and using the templates followed the procedures, I have just received a letter stating that they were giving me back all of my charges…
