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CCJ Issue
Hello I am looking for advise of 2 bits of information. I have recently found out I have a CCJ logged against me by Capital One since 03/07/06. I went to my local court today and they have provided evidence that this Judgement debt was paid on the same day. How do I go about getting the CCJ removed. (Yes I understand its…
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friends debt
My friend has been struggling for money of late, she doesn't come out with us anymore so we had a chat and she owes about 8500 on a credit card. after sitting down with her i've figured out she only pays the minimum payment each month and the interest rate is 19%. I have no idea what to advise her to do, I've been looking…
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Daily Clicks
Hi all, I have had a real good search around for info on the daily clicks. I understand what you have to do but I don't know how to get started etc. Can anyone shed any light on this for me please? Thanks Gem
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Don't know what to do
I hope someone will be able to point me in the right direction. I feel like I'm sinking and don't know what to do. I recently had to close a small business that I had been running for the last 6 months. I owe a couple of suppliers about £1,500 in total and the previous owner of the business £5,000. On top of that I owe…
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i need to shift my credit card debt? but cant get a balance transfer credit card
hi i need to shift my current credit card debt. I have tried to apply for a balance transfer credit card but have been rejected several times!! what do i do? I have run out of ideas and feel like i am sweeping my debt under the carpet!!!:confused:
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Payday Loans HELP!
Hi all, Like an idiot I got involved with payday loans when I was broke. Now I'm earning I want to pay these back. I am due to pay £350 to PDE on 24/03 and I don't have it. I owe £570 to P2P as well and have agreed repayments of £285 over 2 months with them which I think I might be able to make. I have just rang PDExpress…
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Bankruptcy and token paymets
Hi Im currently taking advice from the CCCS regarding a DMP, this hasnt been finalised so as yet im not on a plan but do have the refernece number etc and it would cost me £90 a month for just over 5 years to clear my debt.....they reccommend i send token payments to my creditors for a while then go onto DMP... What should…
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Grocery Challenge - Newbie
Hi guys, I am new to the site as a poster although I have lurked and taken tips for many months. My hubby and I are due to have our first child in the summer and therefore I must learn to live on the SMP offered by the gov as my company do not offer a package. We are very fortunate that we started dealing with our debts…
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An Idea came to me last night but is it possible?
I am currently paying off 3 cards and 2 loans. 2 of the cards are interest free and 1 is high interest. The 2 loans are fixed at quite a low rate. I know the best thing is to do is to pay off the high interest first so I was wondering if it is possible to ask all my other creditors for a repayment holiday of 3 months on…
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What happens when you can't pay your energy bill?
Just recieved red letter demanding £350 for gas and electric. We simply cant pay that till end of month. I could pay only half of it. What do I do?:confused: Will they cut us off? Will they send another red bill?
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Westcott and Natwest BIG TROUBLE
Hia, A few years ago, Natwest gave me a student overdraft of 1500 in my first year, unfortunately, I suffered so badly with depression that I was off University for a year and in my plight, I spent all my overdraft as I was so low. I then regained my senses and instead of wallowing in the debt I went to Citizens Advice and…
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Single and in Debt Part II
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I'm so angry!
Hi guys, Hope everyone is doing ok, I just need to vent a bit! For the past year I've been travelling to uni with two of my classmates and giving them petrol money. Sometime last year they decided that I should pay £20 per week, but towards the end of the year we were only in uni 3 days a week so I gave them £10, which…
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Tribunal and Courts Act not to be enforced - re charging orders and forced entry.
Plans for a new code regulating the activities of bailiffs were announced by Justice Minister Bridget Prentice today. To provide clarity for debtors and certainty for creditors, the following measures will be implemented in advance of full independent regulation:* an online certificated bailiff register allowing debtors to…
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Advice Needed Please - Joint Account Debt
Hi all, Can someone please provide some advice on a debt that was accrued on a joint bank account with my ex wife. When I divorced my wife we both agreed that we would be jointly liable for the account, and agreed that we would pay off half the debt each. For one reason or another neither of us has cleared the debt. I have…
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Ministry of Justice announces tighter regulations for bailliffs
Apologies if this is in the wrong place or not the kind of thing people are interested in, but I spotted this yesterday and think it's a positive move - http://www.justice.gov.uk/news/newsrelease170309a.htm
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No cca and ccj being applied for Help?
I will make this short so someone cane advise me quickly. I had County Court forms from Brian Cartert solicitors for a RBS Mint credit card debt. They served me with cc papers late February and I acknowledged them and asked for the 28 days. I wrote to Brian Carter ( who own the debt) and RBS asking for the CCA. RBS wrote…
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Application to have judgment set aside question
Hi, I found out that I had been taken to court for an alledged outstanding debt after it had happened. Hence I lost by default. Ive since applied to have the judgement set aside due to not knowing about the case and also the CCA that had been supplied looks very vague. ie doesnt look like a CCA and is unsigned. Therefore…
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Wednesday 18/3/09 What small dfw things have you done today???
:D 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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*Lets keep it positive* daily chat thread Wednesday 18th March
Good morning. Thought I'd be brave and start the thread. Hope it works! :D
