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Threatened with court action - what next?
Hi Sorry if this is in the wrong place, but I thought you were the best people on the board to help. My husband has a debt with a book company. The short version is, he kept rejecting the editors choice, they kept sending it anyway, he asked them to send pre-paid postage to return the books or arrange a courier collection,…
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hfc debt transferred to marlin help please
Hi, about 2 years ago i entered into a voluntary repayment plan with all my creditors, no payments have been missed, but recently my debt with hfc bank (about £4500) was transfered to marlin, i currently pay them £17 a month, marlin have been totally un co-operative insisting they want £180 a month which i just can't…
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Legal Advice: Repossed or not Repossesed. Lender Mistakes
Hello. I need some Legal advice, since after doing a Land Registry search something strange happened. :eek: I presume that MoneySavingExpert be the best place to ask, as the members here are the cleverest I have seen on any forum. Plus you may help me save me many £k! Four years ago I bought a farm, renovated 3 houses to…
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Debt questions help needed
Hello, I have had a few financial difficulties that has seen my income decrease by half at this moment. My income is increasing and will be a lot higher in the next 6 months as I have commission coming to me. So at this moment as I can not afford my repayments on loans and credit cards I have asked for some breathing space…
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Linked Financial Institutions and Hbos/Lloyds TSB takeover
HI I am on a dmp with cccs which has been running lovely. Now I am worried about the Hbos Lloyds TSB takeover. I had heard that we need to look out for whether after the merger the 2 banks will keep their individual licences - if so as I understand it I wouldn't have to worry about my 'safe' account at Lloydstsb being used…
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Moorcroft Debt Recovery
Morning all I have had a letter this morning from Moorcroft Debt Recovery saying I am in default of my agreement with them and am in arrears of £44. The CCCS recently reduced my payments as I have had to pay for chilcare whilst I go to work but my normal repayments will resume once my son turns 3 at the end of December. I…
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Cabot Financial
Hi all a few months ago I started getting letters from Cabot financial saying that I owe them money but I have never signed up to any agreement with this company before so I asked them what it was all about and they said they had bought my debt from another company. After reading through these forums I noticed a letter…
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Wanting to move out, don't know if we have enough?
Since getting engaged, OH and I want to move out and find somewhere of our own. However, neither of us have a clue about how much some things cost (gas, electric, council tax etc.) Anyone help? Working out the knowns in our SOA: Income Self earnings around £500/month (plus overtime - looking for full time job) OH earnings…
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Panorama Tonight - BBC ONE, 8.30pm
Can't Pay, Won't Pay "With the credit crunch affecting everyone, Panorama reveals the lengths some lenders are now going to in order to get borrowers to pay off their debts. Reporter Paul Kenyon meets a woman threatened with repossession over a sofa, and a couple who have exploited loopholes in the law to have thousands of…
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Potential DFW with SOA question.
I have been looking into doing an SOA, not neccessarily to post on here but certainly to get a clearer view of where we stand at the moment money wise with a look to making some changes after the christmas period. I took a look at the SOA mentioned in the thread and there was a problem with it so I left it, now I…
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Monday 10/11/08 What small dfw things have you done today???
* When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress,…
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DFW Daily Chat 10th Nov
Was sooo tired last night...(cant think why though:wink: ) I feel asleep on the sofa.. then when putting DD to bed i just felt awful so went to bed myself.....only to wake at 3.30am:eek::eek::eek::eek::eek::eek::eek: so thought what better to do at stupid o'clock than come on here:D OMFG:eek::eek::eek::eek::eek: I leave…
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Kays Catalogue - HELP!!!
Ok, so i have a reduced payment plan on my account to pay £24 a month. I got paid and got my student loan in on Friday, so i phoned up to pay my £24 to be informed that i never paid last month?! I was pretty sure i did, but then again it's me i always forget things! So i am told i need to pay £30 this month, so thats fine…
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help its nearly christmas
Ok I need some help from all you wonderfull DFW. Christmas is coming and I have had my huge lightbulb moment. Yep I know I have had flickers before but this is the big one. Snowball says if I try really hard I can be dept free in 18 months Yipeeeeeeeeee. But I have been a bad girl and missed some min payments on cards now…
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Struggling to Pay Debt - Advice would be great!
Hi all, i've been reading thru the site and decided to post my circumstances hoping for some advice. I'm a homeowner tied in with current mortgage for 2 more years. My problems are credit cards. I have a balance of £10,000 on a barclaycard (ouch) with a minimum payment of about £250. My circumstances have changed over the…
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Unsecured loan, can't afford to pay, what do I do?
I have an unsecured loan with AA Financial services for £15000. the payments are £378 per month. I am a builder and have been struggling for work and at the moment cannot afford to make these payments. I have agreed with the company to pay £50 per month until things improve and have asked them to freeze the interest on the…
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Just need some advice 21 year old student and in debt!!
sorry deleting this
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18 Year old in a bit of debt please help
To many people it may not seem like alot but to an 18 year old i am SCARED STIFF. i owe £1000 on a credit card £300 overdraft £200 store card £200 on another store card I do work but i am struggling to pay =[ I have just found out today i have to pay HSBC £90 in bank charges also I am really worried and pretty down can…
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A Horrible Situation!
Apologies in advance: this posting will be a long one, but I'd appreciate it if you would stick with it - I need the help as I'm really confused. I moved in with a partner at the start of 2004 aware that she had huge debts but prepared to support her by bringing an extra wage into the household. To emphasise my…
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A Horrible Situation!
Apologies in advance: this posting will be a long one, but I'd appreciate it if you would stick with it - I need the help as I'm really confused. I moved in with a partner at the start of 2004 aware that she had huge debts but prepared to support her by bringing an extra wage into the household. To emphasise my…
