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help!!
i really need advice!! over the last few years i've ben a bit reckless with money and have taken out a few student loans aswel as an unsecured loan from the bank! i also have a huge overdraft and dont know how 2 shift everything! im still a student until june but the debts are piling up and i dont know what 2 do!!…
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council tax ccj
hi, over christmas i fell behind with council tax payments, was 2 months in arrears, so thought i'd just continue to pay in feb and march, and the debt would be cleared. had no contact from council complaining on late payment.. then they wrote in mid feb saying they were taking me to court for the outstanding balance. i…
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Help Info Needed Asap
Does anyone know anything regarding sending token payments to credit card companies and the 2003 communication law so they cannot hassle me by phoning me 72 times a day, I really need to know what im talking about when i send them the recorded delivery letter to state i only what correspondence by letter's etc.... Thank…
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You make me happy! Thank you.
Hi everyone, I have only posted a few times but i really wanted to let you know that YOU MAKE ME HAPPY! I have cut my debts from £25,500 to £11,600 and i am hoping to be debt free by Christmas, but whenever i am feeling a bit miserable about everything this forum always makes me smile! Thank you! Good Luck to all the debt…
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Anyone dealt with HFO Services, Croydon?
Long story short-my better half gave his brother a Barclaycard on his A/C (as brothers own credit rating was non existant) on the understanding that he would be responsible for paying what he spent. You guessed it, he left us with a bill of £350-ish. After a bit of correspondence with HFO services my husband paid the…
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please help....advice about a default..first time poster
please help i am worried sick......i have just checked my credit report and found out i had a default applied to my credit file on jan last year. only thing is i have never had anything saying a default was going to be applied...i thought you had to be informed before hand?the account was settled in march last year but the…
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help! dont know who my debt is with
hello im new to this forum and needing your help! a debt has showed up on my credit file from about 3 yrs ago that i totaly forgot about. the problem is i havnt recieved any letters and i dont know who i should contact to pay. i think it was with lx direct catalogue now called littlewoods. any advice would be much…
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Credit Report Help
Hi, A few years back my mum applied for credit cards etc in my name without my knowledge and ran up debt on them, then defaulted on them. I went mental when I found out. I think that she has been paying something to them though since defaulted. Of course, they are showing on my credit report, is there anyway of getting the…
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Threatening Letter From HSBC. Help Needed!
My wife ran into financial problems and some time ago she put her finances in the hands of CCCS. She makes a regular monthly payment to CCCS who pay her creditors. HSBC are well aware that she is working with CCCS but they have been hounding her on a regular basis. She is continually telling them to contact CCCS and she…
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MIL Collections Debt Collection Letter
Hi guys, my girlfriend has just had a letter from Mil Collections which is saying: Re:- Retail Loss Prevention / Account No. xxxxxxxxx Debt Outstanding £0.00 Then the usual bit in between, how can she have an outstanding debt of £0? I was going to write a letter up and send it recorded stating she acknowledges no debt and…
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Help please, Bailiff and council tax disaster
I'm at the end of my teather and really don't know what to do. I have been trying to address my Council Tax debts, but another old bill has now arrived and I don't know what to do. I could cry. We owe our current council about £1300- the threatened us with court and insisted that we clear the amount in 3 payments. We…
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Shy Newbee
I've been browsing this site for about 3 months now and I've just plucked up the courage to actually register and post. I'm in my early twenties and in about £8000. This started mainly when I was living at home with parents and was being charged 1/2 my wages for rent even though I was also paying for my my own studies. I…
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I'm new and need some advice!
Hey guys! I'm new to this board and would really like some advice. Been looking around for a few days but couldn't really find any answers to my q's so would really appreciate some advice! Ok here goes... I'm about to come into some inheritence. 10k to be precise, my long term plan is to put this money into a deposit for a…
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What Should I Do?
Hi, I've been a bit silly with money in the past and im still paying for it. I have a credit card which i owe £4500 intrest free till november, I owe argos, uni fees, the bank, pc world and staples a combined total of £4000. Some im paying interest on and some I'm not. Do you think I should get a loan to make them all…
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really scared please advise
my husband and I are expecting our first baby in september, he is currently around 9grand in debt and we have no way of clearing it, please dont suggest ccs or the likes as we have tried and most wont touch us, as 2 of the debts are rent and council tax, which they wont touch, also when we did approach them all they said…
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reply to a fand f offer?
how long should you give a creditior to reply to a f and f offer? i wrote almost 3 weeks ago to both creditors and one said no on phone during conversation regarding them calling me morning noon and night but i have still not received an answer to the other one. i did follow these f and f letters up with a sar request so…
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Could my spending lead to future debt
Hi , New here I’ve recently started to worry about my finances , after reading a lot of posts on here I don’t see my debt as bad as a lot of peoples but could my spending lead to future debt. I took I loan to restructure my finances as I would go into my overdraft by at least £500 a month. My girlfriend has only got a part…
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Another CCA question
I was paying Redcastle recoveries each month from the time I recieved the assignment letter from the OC saying it had been assigned to Pheonix Recoveries and gave Redcastle as the communication address until the day a CCA request went into default and the 12+2 letter was sent - at the same time I was also getting letters…
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PayPlan Advice - I'm about to join
Hi All I'm currently in the process of going through PayPlan to help with my debt. I have never missed a payment, nor have I been late but I'm struggling to manage each month with my current debt - do you think I should go for it? It's going to affect my credit rating and I'm not sure. Also, what are the chances of your…
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Anyone know who can help, if Payplan advised they can't??
Hi all, I had recently applied to PayPlan with regards to clearing my debt, only they have just got back to me and said they can't help as all my creditors are DCA's and not ones that they deal with......I thought they dealt with all, but hey! My next question, therefore is does anyone know of any similar companies (that…
