-
Finally Admiting up to my debt worries!!!
Hi, Well I have finally after viewing the site over several days now decided to come out and face my huge debts, and would appreciate any help and advice anyone can give me. To date my unsecured loans and credit cards currently stand at approximately £35000... There ive said it!!!:confused: im not sure why I feel that…
-
Had a reply from Lloyds TSB re my loan - what should I do next? - help needed
Following on from my thread here - http://forums.moneysavingexpert.com/showthread.html?t=830207 I wrote to Lloyds TSB and today had a response basically saying that the arrears are due to the decreased payments I made (on their say so) when I was on maternity leave and that they never received the signed documentation…
-
Overdraft dispute
Hi all, I had a current account with a major high st bank (No names, but it began with an A and ends with a Y). In Dec 2001 I lost my job and immediately money stopped going into this account. For my next job I opened a new account with another bank as I wasn't really happy with the old one anyway. Recently (Approx 2…
-
Rossendales
Unfortunatley am in deep sh*t with these delightful creatures. Have signed a levy, couldnt afford to keep up the payments they wanted so they are now attending to remove goods. What I want to know is can they only take the goods listed or are they allowed to root about and take what they fancy?
-
Statutory Demand
Hi, Just wondering if a statutory demand can be included in a DMP? The demand was served in August 2007 for nearly 8k and is being paid back at £50.00 a month, which will take YEARS!! Struggling with the £50.00 a month and thinking of looking into a DMP for other debts, can this one be included too?
-
Desperate to be debt free
Hi everyone, I'm new to here!! I'm Helen, and am 24, and in serious debt. What I pay out each month, in debt and also bills almost takes up my whole salary (which is a pathetic 780 after tax/insurance each month). I'm desperate to get out of debt, but I'm not even making a dent in it currently. I have a 7500 loan with HSBC…
-
Cancelling contracts before the time is up but no forwarding address
I have a contract with BT that expires in September but we are leaving the property here in May and, as it stands, will not have any permanant accomodation so cannot carry the contract forward. Will I get fined for this or will they put it on stand by or something. Just trying to get everything in order. Thanks x
-
Cancelling Direct Debits to Council tax and Water. Will I get charged by the bank?
I pay the council tax and water rates out of my bank account but we rent and the actual bills are in the landlords name. I need to cancel them as we will have left this property by 23rd of this month (we only got notice last week of the date) If I cancel them and the companies then try to take the money on 1st of the…
-
Are We Paying The Right Creditors First?
After some advise as to whether or not we are doing the right thing, As I mentioned before we got £15k our debts amount to about £21K, what we are going to pay is Car HP = £8K Tax Credits Over payment = £2K Housing Benefit Over Payment = £1K MBNA Credit Card = £1.5K Capital One = £1K And the rest of the money was used to…
-
Almost debt free but loan company playing me for a fool
Hi all I urgently need some advice about a personal loan I took out. I originally took out a loan many years ago and unfortunately after a year or so found myself unemployed and in major financial difficulty. I contacted the company with which I had a loan and they decided to write-off some interest and reduce the monthly…
-
Advice required
Hi all, long time lurker but thnink i need some advice. In April 2002 i failed an IVA, for some strange reason my supervisor never petionioned for my Bankrupcy. Fast forward 2 years a company called Max Recovery contacted me via Eversheds informing me that they had bought my debt. We came to an agreement (which i have in…
-
New address blacklisted
We have recently bought a new property and moved in 2 weeks ago. The property was previously rented for 4 years and apparently the tenants would not pay the bills. We have had the hassle of getting the pre pay electricity meter changed back so that we can pay direct debit and we are unable to get any credit such as a…
-
ccj default impact
hi thanks to everyone who read but a bigger thanks to those who answer this question! ok i pulled my credit report yesterday for the first time (my wife died late 2004 and i gained a ccj and 2 defaults) i phoned the court straight away found out it was from dvla so i rang and paid straight away so i am waiting for the…
-
Help!! Court date for Charging Order on home!!
Hi hope somebody can give me some well needed advice. My husband owes £24000 for an old mortgage debt! we have just found out that an Interim Charging Order has been put on our house which we have just bought and is in both names. The court date is the 11th June 08 and I would like to attend this hearing to explain the…
-
I'm scared......of being (unsecured) debt free
I have finally secured a re-mortgage, which will save over £120p.m.:j BUT a condition of the mortgage is that we repay a loan. By raiding the (little) savings we have, checking behind the sofa, emptying pockets it can be done! Now I should be a happy bunny, but I have had debts all my adult life 30+ years:o , I have never…
-
Help-advice needed
I feel sick as I've realised I've got no money left whatsoever for the rest of the month(actually until the 23rd) and have no money for petrol or supermarket shopping. I feel completely shaky and lost and don't know where to turn. I of course have the horrible CCs but really can't bear the thought of having to use them as…
-
Not enough money 2 live off, so def no money for creditors
Just after some advice please. Most of you will know that my OH is unemployed and that is the reason for our money problems. This mth (22nd April - 22nd May this is a mth for us as its when i am paid) my wage didn't even cover the bills, we were £70 short and have had to have money off my OH's parents to pay the remaining…
-
A new Debt free wannabe
Time to finally get this debt sorted out. After years of the "I will worry about it tomorrow" syndrome, I really need to get this sorted. I guess I looked upon it as "I'm only young once" and I tried to enjoy it as much as possible and I spose I did at the time. Now I need to deal with the after effects :rolleyes:…
-
I am £1200 in Debt because my flatmate has not paid the council tax!
Yesterday I received a letter with a court summon because apparantly I owed Tower Hamlet Council £554.93 Pounds. I was quite surprised about this, since I arranged with my flatmate to pay her £50 a month and she just pays the council tax. I mentioned this to my flatmate and she said she is going to sort it out. However I…
-
I am £1200 because my flatmate has not paid the council tax!
Yesterday I received a letter with a court summon because apparantly I owed Tower Hamlet Council £554.93 Pounds. I was quite surprised about this, since I arranged with my flatmate to pay her £50 a month and she just pays the council tax. I mentioned this to my flatmate and she said she is going to sort it out. However I…
