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Help for a Suicidal Friend!!
Guys I would appreciate your help in this matter. A good friend of mine has been in a relationship for the last 5yrs and 2yrs ago they bought a house together. She lost her job in January and was out of work for a few months and now earns a hell of a lot less than she used to, her partner (now her ex) lost his job in May…
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Requested CCA,but no go
Before you read this, check my origianl post,so you know the full story. http://forums.moneysavingexpert.com/showthread.html?p=14635941&highlight=charging+order#post14635941 Just an update guys. Hearing has been set for 24 th november. I requested a copy of my credit aggreement and account info from the solicitors that are…
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Quick cash needed to meet debts
Hello I have just finished travelling and I'm going to sign up tomorrow at agencies looking for temp work in London. I currently have a credit card debt of £875 - limit £1200 (although it now doesn't authorise money transactions) and I have an overdraft limit of £950, of which I have about £200 left. I have a few bills due…
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Statute Barred debt advice please
Firstly may I just take this oportunity to say Hi, as this is my first post! I have been receiving Martin's emails for some time, but never actually been on the boards. I wanted to ask for advice on statute barred debts. I have read a little bit about it just recently, but I'm not sure where I stand with my personal…
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Advice re joint loan
Hi all I'm on on DMP with cccs for my own debts and DH is currently negotiating with his own creditors to accept reduced payments, he is self employed so it's easier for him to do it himself. Question though, we have a joint loan that DH pays (CCCS know about this and gave there blessing) but now he wants to negotiate…
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Why Havn't My Creditors Taken Me To Court?
I don't wish to tempt fate here........... But after a year and a half of hassel, and threats, and scarey letters etc..... nobody has done anything about taking me to court! *phew* Could it be that they don't have the actual Credit Agreements.........? And therefore none of them would stand up in a Court of Law? I find it…
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Will negotiating phone bill ruin credit?
Ok I'm a uni student and got a contract phone with Vodafone a couple of months ago - stupidly I only went for a 70-minute a month plan because it looked cheap at only £20pm :mad: Unfortunately I've made about 700 minutes of calls this month (to family and friends since I'm at university) and didn't realise that any…
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Doomed...i think.
Hello everybody. This is my first post...for a long time. I'm not new here at all shamefully I've been a members for years was active a last year and thought I had my life in order again. Out of nowhere in Febuary of this year my long term partner left me and I hit a (to put it mildly) patch of depression and turned to…
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Lots of debt NEED HELP PLEASE!
Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 0 Partners monthly income after tax....... 1905.0 Benefits................................ 159.2 Other income............................ 0 Total monthly income.................... 2064.2 Monthly Expense Details…
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Just don't seem to have enough!
I've finally pulled my head out the sand and faced my debt problems (actually that should read, I've finally opened the 4 carrier bags of post I've been ignoring for almost a year!) - Whao... what an eye opener! I contacted each creditor and asked them to send me a detailed breakdown of my debt that I owe them. Most of…
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Cca?
My partner has a debt with barclaycard, how does he go about requestin the cca?
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Returing debt to original creditor
Is there a way to make the original creditor (Goldfish) take the debt back from the DCA (1st Credit)? I remember seeing this mentioned before, and wondered how to go about it?
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getting started
hi there ive been lurking on here for ages. We have a lot of credit cards and a large mortgage. We pay everything every month but have no money spare at the end of the month for emergencies or to live really. We would love to get the debts down and keep writing it all out and working a budget out but we cant stick to it…
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1st Credit - Will not accept a repayment
I have an old £6,700 Abbey National Loan debt that 1st Credit have taken on. After several very threatening phone conversations with them I called National Debtline & they advised me to only deal with in writing & not to take their calls. This I have done and I have written on 6 seperate occasions asking them for their…
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Debt Free in 24 months
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DMP - choosing which company to use?
I have discussed starting a DMP with a couple of companies and now realise that some charge fees directly to you with a monthly ongoing fee, or they get paid from your creditors. Anyone have experience of this and which companies might be best or worth avoiding ?
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Struggling ... and now boiler has been condemned
Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 1200 Partners monthly income after tax....... 600 Benefits................................ 259 Other income............................ 0 Total monthly income.................... 2059 Monthly Expense Details…
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CCA Help!
Hi All, I know this has probably been gone through several hundred times already but i'd be really grateful if someone could explain the sending off for a CCA and how long to leave it and what happens after. My husband and I have a loan with the AA which we took out in 2005, and have dfaulted on this and only made a couple…
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Amex Threatening Bankruptcy With This
Hi, My friend is in the same position as me with Amex threatening bankruptcy. I feel that the agreement is unenforceable. They sent the attached to her with a copy of her telephone bill which she had to supply as proof of address. They are insisting that this is all they have to send together with a copy of the T&C's. She…
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Debt over 7 years old and chased out the blue
Hello there :) Am usually on other boards but hoping for some help. Received a letter today from a DCA, completely out the blue, for a debt that is over 7 years old. Not only that, but the debt was included in a Protected Trust Deed which I have been discharged from for over 3 years AND they went ahead anyway in 2002…
