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Dmp?
Myself & my partner are currently experiencing difficulty with our fiinances, this is due to a drop in our monthly income. We have been in touch with Debt Matters who have suggested a Debt Management Programme. They have advised their cost will be 15% of our monthly payment each month (about £54) and the rest will be…
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30k in debt on part time earnings
Hi My auntie has asked for help to solve her serious debt problems, we haven’t had chance to speak in detail as it’s a big secrete from rest of our family. So far I know she’s in roughly £30k worth of debt from bank loan £11k, rest credit cards with high interest as she used them mainly to draw cash. Due to healthy…
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Glasgow Council Tax changed collection Co.
Just spent an hour trying to find out why a new firm are chasing me to find out that Glasgow Council have changed their council tax arrears/payments collection firm. If you are paying arrears check if your firm has been changed.If you pay the old firm the new one will chase you for non payment with consequential problems
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Can I please ask for help with a SOA here?
We need to budget because things are tight. I've had great help from here in the past so I wondered if I could ask any of you experts to cast an eye over my SOA? :cool: Earnings: 1650 Child Benefit: 75 Tax Credit: 40 Monthly Income: 1765 Mobile phone: 15 House/contents insurance: 30 Mortgage: 665 Electric: 80 TV licence:…
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Bailiff help!
Where is the best place to complain about a bailiff's tactics/behaviour? To cut a longish story short, I have been ill for a while and had no knowlege of a parking fine (otherwise I would have paid it when it was £30 of course). The first I know of it is when a bailiff puts a note through my parents door (previous ad)…
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Credit Report Question
Sorry if this is the wrong forum but I wasn't sure where to put it. I've been having a run in with A&L over a linked address which is nothing to do with me on my Experian report. During the process they have made a number of searches on my credit file. These are recorded as "Unrecorded Enquiry" and "Enquiry". Probably a…
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Old House Repossession!!
We had a mortgage for a flat 20years ago that got reposessed in 1993 we went to court and handed back the keys. Since then the mortgage who was with Alliance and Leicester was handed to a company called Capital Recoveries for debt repayments. Every month we pay £20-£30 now they are asking for more. we cant actually pay…
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Brighthouse - Arrears - Court to reposess?
I got a PS3 with Brighthouse back in January, biggest mistake i ever made! Anyhow after googling it i have found the insurance thing a rip off, my OH took in our insurance documents for our contents to prove it will be covered and i thought the amount would go down. Unfortunately we have fallen into arrears with…
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Lloyds TSB - Please can anyone help me
Hi I am asking if anyone can advise me how to go about sorting out a debt with Lloyds as they are not responding to any of my letters. Heres the problem in a nutshell.... My partner has an overdraft and Loan with lloyds for approx £5000.00 previously each month a direct debit was taken out of his current account to pay off…
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Lloyds TSB - Please can anyone help me
Hi I am asking if anyone can advise me how to go about sorting out a debt with Lloyds as they are not responding to any of my letters. Heres the problem in a nutshell.... My partner has an overdraft and Loan with lloyds for approx £5000.00 previously each month a direct debit was taken out of his current account to pay off…
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Iva
hi all just wondered if anyone had done an IVA or knew anyone who had and if its worth it as my hubby is considering doing one. Thanx
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advice relating to CCA
I have decided to write to the DCA's with regards to the CCA of the debt they refer to. i took all my debt out in 2002 and havnt paid much of my debt for the last 3 years. (7500 personal loan halifax, 4000 personal loan natwest, 2x 3000 credit cards halifax) for the last 3 years i have recived many letters from different…
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DESPERATE for advice...
Hello, first post and would welcome some opinions please. Currently we have managable debt but no quality of life. Between me and my husband, various credit cards and an un-secured loan (2 years left to pay) we owe £48,500. Our mortgage is £90k and our house (in the current market) is worth £150k (getting valuation…
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DESPERATE for advice...
Hello, first post and would welcome some opinions please. Currently we have managable debt but no quality of life. Between me and my husband, various credit cards and an un-secured loan (2 years left to pay) we owe £48,500. Our mortgage is £90k and our house (in the current market) is worth £150k (getting valuation…
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Honours Student Loans
What a joy! This is long, sorry. My student loan has been on yearly deferrment since 1998. In 2005 The Student Loans Company failed to process my deferment application which was sent to them in March (thankfully I keep copies of everything I send). The first I knew was a demand for payment from HSL. Phoned them and then…
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Claiming charges from bank, DCA ignored letters??
Basically I am claiming back charges from First Direct (on behalf of OH). However, a DCA is chasing for the full amount from OH and I (was originally a joint account). Now, I went BR in Feb 08 and have written to tell them - they have ignored that and are still writing to me, threatening CCJ's (go on then! Dare you!) I…
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Desperately seeking...money saving advice!
Hello to all you money saving experts Been a fan and preacher of the site for some time now but have never posted. I take on board lots of the advice given but I am obviously not doing enough!! My husband and I, and our five chidren, moved to a bigger house 18 months ago and we are struggling fianancially. This is mainly…
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Accepting part payment from company
Hi everyone, Can anyone give me some pointers on writing a letter to accept money refunded, but only as part payment, as I would like to continue the claim right to the end, and try to retrieve all of the charges they have taken from me. Any help would be graetly appreciated
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My SOA still need some help
Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 1250 Partners monthly income after tax....... 0 Benefits................................ 0 Other income............................ 0 Total monthly income.................... 1250 Monthly Expense Details…
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Dealing with DCA's ?
Hi, I have just started my DMP with CCCS and am waiting for the dmp's to be accepted, or not, by the Credit card companies. Reading throught the threads I can see it is likely that sooner or later the debts will be sold or passed to a DCA to manage. At that point they are going to call trying to intimidate me into paying…
