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Equita Balliffs - Can they do this?
I owe £53 to Equita for a parking ticket that I failed to pay - which was passed to them and shot up to about £150. Anyway, I rung them and they are now saying there are 'fees' on top of this, and its going to be about £350!! I haven't had a visit from them, had a couple of letters but can they just add fees for nothing at…
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15k debt...need a way out. Advice please
Ok, in 2003 i went to the CAB office to ask for help as my debt was getting on top of me. The debts were all with credit cards. Basically i was living off them and using one to pay another, etc etc etc they had all defaulted and i was getting letters from debt collection agencies. They wrote to the individual companies and…
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benifits and bankrupcy?
I owe just under £13000 and my only income is benifits it has taken 11 years to get this bad i manage the min payments just im unsure that if i go bankrupt best option according to cccs do i still have to make payments to anyone each month or am I debt free?
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Debt Management Company not helping
I wonder if someone can offer me some advice? My husband has about £65,000 credit cards debts [which are in his sole name], and three months ago he engaged the services of a debt management company. The idea was that they would relieve us of all the stress of managing the debt, and would communicate with the companies for…
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Please, please advise..
I suppose my problem will seem insignificant to most I have read on this forum but even so I can't cope with the worry. Ok, here goes... I have maxed out my husbands credit card. He didn't mind me buying the odd few things so long as I paid for them, which I usually did. I have not paid any payments for about 6 months..…
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What made you finally ring to get help?
Hi, I was just wondering if you dont mind saying.. those of you who have rang places like CCCS etc for help... what was it that made you finally do it? :confused: Just my OH has his head firmly in the sand but keeps promising and promising to ring them... he first promised 18 months ago to do it when i found letters…
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Help Please - Abbey cant provide CCA copy -what next
As the title says really , I need some advice as to what to do next, I am on DMP with CCCS and they can hold back payments for two months but what happens after. I've had loads of accounts with Abbey and they can't provide my original agreement.
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please help
i need to talk to someone ive had to resign from my job...i feel so guilty for my family...the shame. i cant pay the mortgage...i cant see a way out of this.....ive lost everything...just want someone to talk to
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So Confused !!!!!! Should I do a DMP
I put a thread on Saturday asking advice on a DMP. I have read alot of comments and never slept again last night :confused: I just dont know if it is the right thing . Can you loose your house !!!!!! Do they make you go bankrupt. I keep going to fill the form in on the CCCS website but come back out. I have just tried to…
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how can i do it
hi im new to these boards i haved lurked around abit and have decide it time to deal with my debt problems a little info im married have two kids school age and dont work i have 3 debt and although there not huge they are to me and i need to sort them out the 3 debt are littlewoods 194 kays 621 choice 1257:eek: i need to…
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Full and final settlement to clear accounts - Advice needed please
Hopefully, I am on the final leg of my marathon debt clearing which has been on going for the past 6 years or so. Basically, I have 4 accounts which I am paying off, and they are at the final 12 months of payments. I have 2 accounts with Blair Oliver & Scott, and 2 accounts with Linc Financial, and all 4 are due to be paid…
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Red Debt Collection - CCJ's
Hi, Can anyone please advise? The above debt was with capital one and was referred to lowells collections, I ignored their letters for a long while (which I know wasn't the best idea but in the meanwhile I was clearing other debts). I recently contacted Lowell and the debt has now been referred over to Red Debt…
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Debth issue with buchanan clark
Years ago i had a loan from barclays. I was self employed then and i was being able to pay the loan and had even payment protection insurance on it as well ( I don't know what that was for). But a few years ago my business went and i couldn't pay my barclays loan and barclays credit card. ) so i had to look for a job and…
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Has anyone surprised themselves with the extra money they've managed to make?
My husband and I are £32000 in debt. £15000 of that is being paid off through an hsbc loan. We pay 305 per month and this will end in October 2012, so i view this debt differently because its very structured. The remaining 17k is on 3 credit cards and 2 overdrafts. Its ruining our lives and we have most definately had our…
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Returning A Car
A question regarding my OH,s car . She has a company car now , but bought a car on finance about 2 1/2 years ago . It was a 5 year deal . It has been on her drive unused for a few months now , all payments are up to date . It needs a MOT service and tax . The question is can she ask them to just take car back as she has…
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Dmp And Bankruptcy
I am seriously thinking about getting dmp up and running - but I'm terrified that creditors may refuse my payments and apply for us to go bankrupt - whatever happens I do not want to lose my house. Does anyone have any advice or experience of dmp's and bankruptcy. Thanks x
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Help really Worried we are going to go under!
Hello!! Im new and worried. Bit of Background then will post my SOA. I am a SAHM 2 boys (ahh!) one is in preschool (part funded) the other will be starting in December (he needs the interaction and noise!! - but we will have to pay) I am also pregnant with baby no 3 (a girl we think!) due in January. I used to work up…
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Help really Worried we are going to go under!
Hello!! Im new and worried. Bit of Background then will post my SOA. I am a SAHM 2 boys (ahh!) one is in preschool (part funded) the other will be starting in December (he needs the interaction and noise!! - but we will have to pay) I am also pregnant with baby no 3 (a girl we think!) due in January. I used to work up…
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Needs lots of Answers - PLEASE
Hi our house was repossessed in February and has just been sold at 100 thousand less than the original sale price. We will get a very small amount back to pay off our creditors, dont know how much just yet but will be no where near enough to pay off debts in full. Q. does anyone know if its possible to negotiate a pay off…
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getting my boyfriend out of debt
i posted a while ago about my boyfriends debt in the loan section and although hes been plodding along for a while, its really come to the point where he NEEDS to do something about it. SOA Below Monthly Incomings: salary - £1,090 Total - £1090 Monthly Outgoings: board to his parents: £130 Phone: £35 (tied into contract)…
