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PLEASE HELP - have recieved CCJ letter!
Hi All- this is my first time posting- someone from another forum shoved me in your direction- am really hoping someone can help/advice! I am in bits- as today I recieved a court letter, it's asking me to defend myself and a date and everything.. I basically cancelled a DD with Next back in Nov/Dec, and fully intended to…
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So wanna be debt free!! (old debts)
Hi there If any one could give advice it would be appreciated! I've lived with debts all my adult life.. i started when i left school and got a job and im now 29 and have debts from back in 1997 lol i've managed with all my debts with payments i can afford and i've never been given a CCJ ect they have just take a income…
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Taking on OH's debt
My OH owes £50k, I owe around £5k. OH is a compulsive gambler. We seem to be coping at the moment as I have control of his finances and pay a set amount into a current account each week. I've now gone back to work after maternity leave :( and (with careful budgeting) we can manage on my salary while all of his goes on…
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why do i have to do this?
2 years ago i owed barclays £170 which i distputed it and during this time i reclaimed my bank charges back which i worked out to be £1200 so barclalys said they would give me the money back minus the difference 2 years down the line im getting calls from an debt collector saying i owe money (£170) as they have know…
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Settled
i am checking my credit file with equifax and have a lot of settled account with no missed payment throughout the terms, I'm having problems with another case, just wanted to know if this reflects in a positive or negative way?
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Bank of Scotklnd - Power 2 Contact - Help please
Hi all I am at my wits end with bank of Scotland. To cut a long story short i’ve been on a dmp since aug 2006 with CCCS All is going well and i hope to be debt free in three and a bit years...except Bank of Scotland are putting this in jeopardy. They finally accepted my payment plan in april 2007 which ran out in april…
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Late Payments
Not sure if i am on the right section but anyway here goes, can anybody help as to possibly putting in a claim or going to see an ombudsman abouth late payments by my past debt agency. I set up payments with them to pay my cards and outstanding loan etc but they failed to pay on time on about five occasions on different…
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ALL TEMPLATE LETTERS (links etc..)
:confused: Hello What would be fantastic, from those who have been successful (and/or in the process of) CCA requests, don't contact me by phone requests, FFP requests etc... to list a link / template underneath and make it a sticky with the actual title given above. No chat - just templates/links to. I've been trying to…
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Redetermition -scared stiff
Please can you give us advise. A CCJ was set at Northampton against my husband, we were paying 154 per month through cccs to tesco, they then involved incasso who then sent us court papers, A ccj was set at 354 a month.We wrote to the court and asked if it could be looked at again,also sent copies of our arangment with…
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i feel like crying!!!!
i cant believe that 16 weeks on since my husband just walked out and left me in this awful mess i am no further along with it all than i was then!!! i have just received figures from the national debtline who recommend an IVA. so now that brings the total to 4 agencies contacted who all allow different i & e and all…
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Confessions of a Former Shopaholic and the road to redemption!!
Hello there everyone! I am long-term lurker and after reading and loving so many of the diaries on here I thought I would give it a go myself. Here are the basics about myself before I get onto my debt (as usual I procrastinate and put debt at the bottom of my priority list!) I am a student and absolutely loathe hate and…
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Welcome finance and debt management program
Hey ya, Just after a bit of advise as i think i made a mistake today. I have just entered in to a DMP as i was sick of nearly all my income going on non priority debts (pressure from doorstep collectors), so i rang the legal aid debt advise who put me in touch with Howells. Whilst i was on the phone with them i asked what…
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Phone call offering to reduce my debt
Hi, first of all I'm new here and not entirely sure if this is in the right place but here goes; I keep getting telephone calls where the incoming number is withheld and it is just a recorded message asking me if I want to reduce my debts, the voice then says to press 6 if I am interested or to press 9 if I want my phone…
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Icon Collections
Some help in letter drafting please: I had a letter today from the above company collecting on behalf of my son's former nursery. I don't dispute the debt, but do dispute the amount, and the fact that the company havn't written to bill me etc. I got a bill in October last year, which was wrong, and asked the staff at the…
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SRJ Debt Recover!!
I keep receiving letters from SRJ debt recovery for an old debt to talk talk, the debt is for a cancellation fee after I cancelled my contract with them after signing up for internet services and then them later admitting that they did not provide internet in my area. I have told SRJ on at least 3 occasions that I am…
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Payplan DMP or Trust Deed
Hi there, I'm on a DMP with Payplan,who have been great, but the creditors haven't been so understanding! I lost my business in August and got help in November for debts of £70,000, credit cards and loans. I only have £110 spare each month as I haven't managed to find a job yet and even when I do, sinlge unqualified mum…
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how have you made extra money to pay off debts?!
Hello peeps, I have been browsing this site and up the income board for ways to get extra money to throw at my debts and finding myself trawling through very long threads.......... So................I thought why not have all the things people have done to get extra cash in 1 thread???? All ways welcome (legal of…
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Where is this letter?
Hello I have finally recieved a letter from a DCA regarding a catalogue account. I was never told by the catalogue company they were sending this to the DCA, I went to log on to make the monthly payment and found out my account had been cancelled. To-ing and fro-ing it seems that the amount I was paying was not enough for…
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Credit scores, how to improve!
Can anyone help me out with credit scores and how to improve them? I hope I'm posting in the right place and if not perhaps someone can point me in the right direction. I started the very addictive payment a day in August 2008 and at the same time subscribed to a multiple credit report agency. Since making the payment a…
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Living In A Overdraft
We Are Married Both Working Full Time Three Kids And We Have Cut the Over Heads To The Min But Still Find Us In A 3000 Pound Overdraft every month How Do We Get Out Of It
