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Help with Joint account
My SD had a joint account with her ex. She called into the bank 3 months ago to take her name off it, which they said they had done (thought it odd at the time). Her ex has run up a big debt on the acount & not repaid any. When she called the bank about it they admitted that she had called in & also admitted they had given…
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Your help please??
Please help me decide, I recently built a house and have a mortgage for £135k ish , was a bit stupid in the design process and went over the top, then came the huge bills like Oil central heating - £210 pm, Council tax - £200 pm, mortgage payments of £1000 pm, and about £23k of outstanding loans and cc bills mostly racked…
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PLEASE HELP - Debt Advice
Hi all have not used this site before so not sure what to expect, I have just finished my degree and it has left me in a bad way. I will break it down: I am working part time and bring home pay is £103 a week. I have a 2k overdraft no intrest and balance is -£1600 - OD I have another overdraft of £800 balance is -£600 - OD…
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How about this for an idea? A new take on how to deal with rising petrol/diesel costs
Well today whilst putting some diesel in my car as I watched the £s over take the litres at a rapid rate of knots, I thought to myself 'This is depressing' how can I cope with this ; mentally that is. I run my fuel budget on a monetary basis and frankly its depressing so how about changing my budget from £s spent to litres…
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company debt problems
I am the managing director of a limited company, my husband owns one ordinary £1 share, the other 99 shares remain unsold. Our company brought an existing business around 10 months ago, and we have been struggling financially from day one. It has come to light that the previous owners accounts were not accurate (as had…
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Charging order granted....do we have to set up a payment agreement?
Hi got a Charging Order today and discussed with their solicitor a lump sum one off payment and monthly payments. Do we need to pay any thing and wait till we sell the house which could be many years!
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Advice with Capital One debt...... Please!
Hi All. Can anyone offer some info / advice please. I got into trouble with my Capital One credit card about a year ago (couldn't afford minimum payment etc etc) and they agreed to a £40 per month payment plan with interest and charges frozen. Out of the blue last week I received a default notice! I telephoned them and…
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Getting interest frozen on CC
Hi There I would like some advice on getting the interest on CC debt frozen. Firstly is this even possible? secondly how do you go about it as i have seven credit cards and will never catch up if i keep paying interest? Any help much appreciated.
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Franchise Termination and county court claim
I bought a van based franchise for 14k last year. The franchise agreement is for 10 years. I closed the business after 6 months. The franchisor is demanding money they would have earned in Management service charge of 15% of gross monthly sales over the balance of the term. i.e- 9 and half years, which they claim amounts…
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Spitting Feathers - Again!
:mad: I am so mad tonight that I have to have a rant about it to all you good people, cos a little shoulder is all I need. Finally had my bank statement today as I closed an account with Nationwide on 3rd May and needed to check that Child Tax Credit had gone in to my new account. ZILCH!. So rang Tax Credit people who…
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Passing on credit agreement documents
Hi A friend of mine had a barclaycard debt from years ago. A debt collection company purchased the debt from Barclaycard. Does the same rule apply with regards to Consumer Credit Act 1974 and requesting a signed copy of the credit agreement? The credit agreement should be passed to the debt collection agency shoudn't it?…
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Help I've got a CCJ!!!
I've just got a CCJ courtesy of Braemar Finance, saying Judgment for Claimant (acceptance) saying I have to pay the full amount and that I have made an offer of payment that the claimant has accepted. When I filled in the form I said I could only pay a few pounds a month and filled inthe budget sheet and everything,…
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Advice & Help please
Hi there Very new (first post) to this forum but hoping you will be able to provide some useful advice. In a nutshell I am trying to assist a very good friend who had a operation for lung cancer last October (She had 75% of one lung removed). She has been unable to work since and is advised that she is unlikely to return…
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We will be off the air for a bit Seaxwyn, Taxi73 Hypno and Sea78
Hi all but especially Seax Taxi Hypno, and Sea For those of you who I emailed about finding a home for the two cats, we now have found one at The Algernon Trust, which a very kind lady who takes in old cats. Bless her. We have taken them today. Willow as soon as I plonked her in the cat basket, just stayed in there, but…
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Length Of Time On Dmp
My DMP, which I've just had to reduce the payments on is now going to take me 23 yrs to pay back!!! Anyone else in that kind of position?
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Lloyds Tsb / Bls Collections
Hi, Lloyds Have Passed My Loan Account Onto Bls Collections, Had A Letter Today Asking For Contact To Be Made. Informed Cccs And They Will Make Contact With Repayment Proposal Etc. Will Write To Bls Tomorrow Stating On A Dmp With Cccs And They Are Sending Info. Anybody Had Any Dealings With Bls ? In The Letter They Say If…
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Help - CCA Response from DCA.......what now?!
Ok came home from work today to a letter from Apex (had requested copy of CCA from them) Basically the letter says - I am writing concerning your letter received 6 June 08, the contents of which have been noted. Please contact our client direct for a copy of your credit agreement. I have enclosed your £1.00 postal order…
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Help I could do with some advice to calm me down!
Below is my SOA - I am panicking because I suddenly feel like I am spiralling out of control with my spending, not quite the case but I could do with some advice on how to save money. Help will be appreciated or ideas on how to save. Think I have done this rightStatement of Affairs and Personal Balance Sheet Monthly Income…
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LP's DFW diary - Pixie Power.....
Well after months and months floating about I have decided to do my own diary basically because I am losing all perspective of the ultimate goal at the moment. Here is Our current SOA. I'm on maternity leave at the moment so this will need updated in around 6 months to reflect a drop in my income. Statement of Affairs and…
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Interim Justicia
This is my first post to the MSE forums, so please forgive me if this topic has been covered before! I've had a couple of missed calls from a company called Interim Justicia, and when I googled them it turns out they are some sort of nasty debt collection agency, which is a bit of a shocker to be honest, as I have…
