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I'm Confused
I'm cconfused, I'm filling out the income and expenditure do I have to document my partners income? All the debt is mine and none is hers. We own a flat together but thats all.
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Help!!! banks on my back
hi everyone i have a few posts here already... i have a current account overdrawn past my overdraft & a credit card which i have stopped paying since i lost my job... they are now sending me warning letters telling me they will hand my debt over to a debt collection if i dont get in touch.... i was told that i should put a…
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Credit Card Debt, Help Required
Hi, I have posted on this site before and taken the advice however, I am finding it difficult dealing with Barclaycard. I tried to talk with someone on the phone because I have finally missed a payment after running out of money after five months of unemployment and paying my bills. They insist that I can pay a minimum of…
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Capquest
I have just recieved a letter from Capquest on behalf of HSBC. The letter says that they can take me to court and a baliff will come into my property and collect my goods!! Can they actually do this or is it just a scare tactic?
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Don't understand credit report
Hi, my question is regarding the percentage of available credit I am using. Currently this is what is in my report: You have £1,903 of available credit (excluding mortgages) You have £17,562 of outstanding debt (excluding mortgages and defaults) You are using 80% of your available credit I do not understand where the 80%…
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Brother's Debts
Hi, My brother is living with us at the moment whilst he gets on his feet. It is a long story but basically he is 37 going on 17. Today he got a letter from the bank because a DD had bounced. He claims that it was an admin error and that he would get it sorted. I firmly told him that he needs to remember that whatever he…
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Repairing credit/CCJ
Hi all, I settled a lot of old debts from the late 90's about 2 years ago due to be self employed and getting a few bad debts myself!. My credit is poor due to the chicken and egg of not getting credit to get a better rating, however a few have dropped off the grid so to speak and its slowly improving, i would like to…
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Debt Free Diaries Trial board
Hi everyone I've just set up the trial diaries board and moved a few over. If you have a diary that's not been posted on for a while so I haven't seen it could you send the link to it to one of the board guides and they'll move it over for you. Have a good weekend Andrea :)
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CCA letter - to who?
My husband has a credit card with Lloyds TSB, he has recently had a letter from Sechari, Clark & Mitchell solicitors, saying they have been instructedby Lloyds to contact him. It says he must pay within 7 days or contact them. As yet we have done nothing. If we were to send a CCA letter, should he send it to Lloyds TSB or…
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Right, Third time lucky
please deleate, i always seem to post twice! So Sorry :o
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12+2 day letter and 30 day letter -- are they still valid?
I understand that the Consumer Credit Act was modified quite recently and so one or both of the "12+2 day" and "30 day" letters may no longer be totally correct or valid, legally speaking. Can anyone tell me if the "12+2 day" letter and/or the "30 day" letter are still valid and legally correct? If one or both of them are…
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Bailliffs Letters
I have been contacted by Rossendales for previous council tax arrears. I paid rossendales in full. But am now being conacted by another debt collection company called Dukes. I have phone dukes and they have said that they cannot stop action until their client (the council) instructs them too. I then phoned the council,…
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Impact of girlfriend on credit rating
Hi, My girlfriend recently moved in with me and I'm aware that she has missed the occasional payment on her Debenham's card. Luckily this didn't stop RBS offering her a credit card to which she's transferred the Debenham's balance. I have a mortgage and credit cards and can see myself applying for further credit in the…
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It's all gone a bit wrong..
Hi All, I was well on the way to clearing my debt as 2008 came to a close, my soa was as low as i could get it and my fella and i even afforded xmas presents for each other.Then in the first week of Jan my kitchen was ruined by water and the insurers are being fussy about how much they will pay and what they will pay for.…
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My SOA (be gentle if I've missed the point here!)
ive copied the one on the sticky thread and added my notes. Not sure if ive done it right and clearly i spend more than this or i wouldnt be in debt but this will no doubt be revealed in my spending diary. Income NHS Bursary - £522 Total - £522 Outgoings Rent £190 Electric £30 Gas £15 Internet £10 Mobile £30 Contact…
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**URGENT NEW UPDATE_LEGAL ACTION** Intrum Justitia & eBay
Hi all, I was unsure where to post this, so I am very sorry if I am wrong. I have just received a letter from Intrum Justitia this morning who offer 'credit management services'. It states that I have an OVERDUE DEBT to the client: eBay Europe SARL of £50.02. The letter has my address on it. But the name of the person is…
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Carmel Butler
Dear All I have just been reading a report by a lawyer named Carmel Butler that was prepared for Parliament as part of its investigation into the behaviour of the Banks. Its contents have been widely reported on other forums but is strangely missing here and yet it is of enormous importance to us all. In essence, it…
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Depressed and down.....
Hi All, Been a frequent viewer of this site, but thought I'd post to see if anyone can help me. I'm not being chased by anyone for any debts and I'm managing to make my payments (even if they are the rock bottom minimum), but I don't like living on this knife edge.. I'm very new to all this, so any help anyone can give me…
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borrowing from family to pay off secured loan
Hi, I wondered if anyone could give me any advice about borrowing from parents. Here is our situation: We have a £100,000 mortgage. Also a £25,000 SECURED loan on a horrible 10.6% rate taken out about 4 years ago over 15 years when we were struggling. We haven't missed one payment and I know that we are paying horrific…
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Loan/Borrowing from family
Hi, I wondered if anyone could give me any advice about borrowing from parents. Here is our situation: We have a £100,000 mortgage. Also a £25,000 SECURED loan on a horrible 10.6% rate taken out about 4 years ago over 15 years when we were struggling. We haven't missed one payment and I know that we are paying horrific…
