-
Received home visit card from DCA, need advice
Received a card today an an in-house DCA. Stating they have tried to contact me and have now arranged a home visit for this Wednesday. I have already sent them the standard doorstep letter, which they've obviously ignored - no surprises there, then - and have also failed to produce a proper CCA; it's one that contains the…
-
Council Tax benefit for student nurses
Hi all Have just had our annual council tax bill (oh the joys) through and on reading through it, have discovered that we may be eligible for a discount as my husband is a student psych nurse, it gives the impression that we will get the 25% single person discount as long as the student is full time which my husband is, it…
-
council tax arrears
in arrears, contacted the council and they said i had to pay £240 a month to stop it going to court! i couldnt pay that and offered £50 as that is all i can manage! they rejected this and are sending for a liablity order to take 5% off my wages which would be £36. how can they take me to court when i have made an offer?…
-
Family/friends reactions?
How do people find the reaction of family/friends when you admit your problems? I haven’t admitted the scale and the ins and outs to many really for a number of reasons but I’ve been surprised by some reactions. My parents don’t believe in university so I expected they would not be pleased that I’ve got myself in debt…
-
newbie here!
hi all well this is it finally sorting out our finances!!! will be putting together my soa later on today but wanted to say hello first :)
-
complicated, does anyone know about Voluntary Repossesion!
Hi everyone, me and my partner seriously want to hand the keys back to our mortgage lender, it's not because we cant afford the payments or anything debt related. We bought a flat 5 years ago and the freeholder at the time was a lovly local lady, however she sold it to what i can only describe as the devil reincarnated.…
-
Please can someone help being taken to court but leaving the country
Sorry I accidently put this up 3 times please ignore this thread my mistake and I cannot seem to delete off
-
A nervous hello and a few DMP questions...
Hello everyone.... I have been on this site (mainly looking) for around 18 months. I have known for at least this long that I need (drastically) to do something about my finances as I am drowning in debt and each month robbing Peter to pay Paul. The situation complicates in that my partner does not know and I really really…
-
bcw
i have just had a call from a woman asking i assume to speak to me but the name was incorrect .. she said im calling from bcw well to avoid talking to debt collection agencies un wittingly i like to deal in writiing i asked who bcw was and she was very rude and kept asking to speak to me and so i said well unles i know…
-
Has anyone used Debtline?
Hi I was just wondering if anyone has used Debtline for a debt management plan? I started my plan with them in December and paid my initial payment by debit card and set up a direct debit for the following payments. They then took my direct debit two days early and then used by debit card to take the payment so I got…
-
First post - debt help/advice/support needed please.
Hello all, I have been lurking on here for a couple of days but have only just plucked up the courage to post. I am married and have 2 beautiful children. For a while (5 years ish) I have buried my head in the sand when it comes to money and debt.... but over the past 2 weeks me and my husband have confronted our debt…
-
How long do CCJ's and Defaults REALLY stay on cred rep?...
Hiya, I dont want this to sound like a dumb question but I have heard different things from different people! Some people say that CCJ's stay on your credit report until 6 years from the date they were issued and others say that they stay there until the date of the most recent activity (ie. CCJ was issued in July 2003 and…
-
Please can someone help I am leaving the court but am leaving the country
Please can someone help me. I have an ongoing dispute going with T-Mobile. I had my phone stolen on a night out in Decemember 2007 I did not realise until the morning after and until I could get to work at 8am I could not report it. In this time my phone was used and a £400 bill was run up!!! I contacted T-Mobile and they…
-
need help with witness statement
Hi guys sorry this is a bit long winded, In september 2008 we had a final charging order put on our house, this is due to a defaulted credit card and we didnt defend the judgment at all. T he debt is for £11,000 originally with MBNA then bought by Arrow Global. We offered to pay£50.00 per month but they just kept refusing.…
-
Monday 16/3/09 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,…
-
Monday 16th March Positive Thinking ***Daily Chat***
Well I for one am sick to death of me moping around and moaning about everything...........time for a change Today I will take the opportunity to show how organised I can be at work and not get stressed over the workload. At least I wont be bored. Let's all stay positive folks:j We have been given another day to be happy.
-
Leaving he country
Hi everyone. I recently lost my job and just cannot afford to pay my loan and living costs anymore. I owe LLoyds bank 7000 pounds. With no chance of getting a job here i have decided to go back home to Malaysia. I was wondering what should i do about the loan? Some of my friends told me they know someone who lefy the…
-
Capital One cca
requested my cca from them last month ,they sent back a piece of paper on 1 side it says what the credit card limit was when i defaulted and in big bold letters "terms of your capital one credit card agreement" On the other side is loads of info in small letters and i noticed default charges at £12 not £24 as what i have…
-
Saving in case of redundancy or paying off debt?
Hi fellow debtfreewanabees, I've set myself a target of being debt free by the end of this year (aside from my student loan). I have approx £2,500 left to pay, which is 0% until November. Like millions of others my job isn't very secure and I have no savings or emergency fund if I'm let go. I'm aiming to pay off…
-
Help needed Re. Attachment to earnings form received.
Hi, I'll keep it as short as poss. I have a CCJ which is for £300 to pay forthwith, I wrote to court on receipt of CCJ,sent my and made offer of payment. Court wrote back saying I needed to pay a fee for redetermination, I didn't have the fee and so wrote to claimant asking to pay by installments. I did not receive a…
