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Can a collection agency CCJ you??
Hi there guys! I was just wondering if anyone knew if a DCA can CCJ you? I'm being haunted by an old unpaid debt via a DCA. I'm in the process of sending them a letter recommended by another user as the default originally served by the bank came off my credit file last year as it had reached the 6 year mark. there's been…
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littlewoods catalogue
i cannot believe this, my husband has an account with littlewoods catalogue, he has paid regularly every month and never had late payment, he paid the beginning of this month, payment date due 5th may and checked online account and now they want another payment on 31st, he emailed them and got a reply that they have…
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My soa
Hi Ive been a member of these forums for a while now, but as more of a lurker. Ive decided to post my soa as I have a couple of debts - nothing major but I need to clear them as quick as possible. I was debt free until recently but went on a bit of a splurge. Yesterday I found out I am pregnant again and will be a single…
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can you come out of an iva
can you come out of an iva can you come out of an iva and go into a dmp? and will you get back the money you have paid into it? our iva company has been taken over by another company and we are not very happy with them also we think we might have been mis sold our iva in the first place and could do better on our own
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DCA for Insurance company
I've been pursued by a DCA,supposedly acting on the behalf of Elephant.co.uk. I sent them a CCA request form a while back,but in hindsight I forgot to ask if they would be bound by that request? Also I wrote and cncelled the insurance with elephnt a good couple of years ago.Why would I now be getting pursued?I was up to…
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Court Papers
Hello everyone! Just need a little bit of advice please. I have recieved Court Papers from Northern Rock with regard mine and my husbands joint debt unsecured loan. We are on a DMP with CCCS and they have advised me about filling in the forms - we are admitting the claim but requesting time to pay. My Q is this, On the…
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Pap/Moozies What have/will you spend Sunday 11th May?
Morning all:D A beautiful sunny day:T I will be taking the kids to the park in a minute, the paddling pool is out & later will be watching the Turkish Grand Prix ( shame to sit indoors :mad: ) None of this will cost me any money, so a NSD here:j
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Advice needed...
Hi, Good Morning, what a beautiful one it is again! Right, I need some advice here. I've currently got my house on the market and (heaven forbid) if I get a buyer, I could comfortably get - in theory - a cheaper house and pay off lots, if not all, of my debts. My query is this, if I get a DMP and approach all my creditors,…
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Help Car Hp Payments
hi can anyone help me. I AM NEW TO THIS SITE , I HAVE POSTED THIS ON THE DISSCUSSION BIT AND HAD A FEW REPLYS TELLING ME TO TRY HERE SO THANKS FOR YOUR TIME i got my car on hp 3 years ago the cost was 8grand and just short of 2k intrest, i didnt check the aggrement fully and missed out that i didnt have payment protection.…
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Sunday 11th May *Daily Chat Thread*
Goood Morning Everyone:wave: Looks like another sunny day here on the North East coast. I have the chicken in the oven already for Lunch and I am currently starting some PAYE year end returns.....can't put them off any longer, the deadline is the 19th:eek: and I have about 6 to do:mad: . After lunch I will be off clothes…
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Sell and Rent Back Property ?
Hi All, My aunt is in serious debt, Please don't take the mickey, this is serious. A few years back, her and husband bought a house for over a million and now they are having severe financial problems and can't afford to live there, they have put it on the market for £950,000. Now she is thinking about doing one of these…
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Sunday 11/05/08 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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£62,000 in unsecured debt!
Hi all, I have only just come across this site and I must say that some of the advice seems excellent! I really need help too... I have over £62,000 worth of unsecured debt, a £113,000 morgage and a young family to feed. I am really struggling and its making me so depressed. I really don't know what to do. To date, I…
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pap/moozies weekly challenge ~ w/c 11 May 2008
Welcome all... I hope you have had a great week and kept it low... and are you ready to be turned red/green? Everyone can join, just post a target in keeping with you/your debts/your spends, don’t worry about everyone else’s budgets. Then each day post on the daily spends thread and add them all up ready to post the…
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Safe - Lowells Portfolio !!
Hi all, Been reading about people like Lowell, Thames Credit, and saw this website .. I dont know much about them, but seems they are mentioning the likes of Lowell .. who buy statute barred debt and then try to con people into paying the debt. This is often done by dubious means, seems this group are approaching MPs about…
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Help Needed!!! IVA???
Dear Members Hello! I am new to the site. I have looked at it a few times and everyone seems very helpful and supportive! I hope someone may be able to help me with some advice?! I am aged 29 and I am in a fairly bad situation with unsecured debt. I am single and live in a rented property. I currently owe approximately:…
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How does an IVA work please?
This is a bit of an odd request but I am hoping someone here can help me understand a bit more about them. I have a customer who owes me £125 on an account that I froze 2 years ago after he stopped making payments/responding to letters. I have sent him a bill and then 6 weeks later sent a letter by registered post…
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Just Filed For Bancruptsy - Official Receivers what do I expect?
:confused: Hello, I am new to this forum and I just wondered if any of you good people could offer me a little advice. This week my husband and I finally filed for bancruptsy after a hideous 5 years that started with my husbands business partner ripping us off, my 3 year old son had a very bad head injury and then my self…
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Anyone single out there earning £10k p.a.?
Hi All, I've just been trawling through the threads looking for (and also, finding) morale support and inspiration in the usual way. :rolleyes: However, I've noticed that numerous peeps mention they receive Child Tax Credit, and also that despite debts, such a lot of you are earning or bringing in £20-35k.:p It has just…
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Debt Collector help
Had a debt collector phone me claiming I owe money, I sent them a £1 postal order asking for the credit agreement or I would report them to the OFT and after the letter I got back I don't know what to next?? any advice Here is the key parts of the letter: I would advise that we do not hold a copy of the Credit Agreement at…
