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removal of ccj
Four years ago I was in dispute with united utillities over my water rates bill of approx £300. I cant remenber what the original dispute was about. I was taken to court and got a CCJ. When i first recived the court paper I rang them and spoke to one of there advisers and asked to pay the debt off. I was told I had to wait…
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Need help filling in hardship template
Hia Hope im doing this right. first time. Im trying to claim bank charges under hardship. Can someone help me word it. Im claiming as i owe £10,000 overdraft and varies other money i owe. Finding it difficult with daily life and money.
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Full and Final Settlement - Barclays? any experiences
Hi everyone, Would like some advice from those of you who have had experience dealing with Barlcays or should i say barclaycard. I sent a settlement offer for £1800.00 on a balance of £3980, to date, and it has been four weeks now, I have had no response. I just want shot of this, so, should I phone them tomorrow and…
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triton HELP
i have posted here before , had a letter from triton with regard to a debet i have with rbs, i called them and told them all i could only pay was £50.00 a month they said all they could only except was nothing less than 50% of the balance approx£4100.oo i told them that i could not pay this and that i would pay £50.00 into…
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Please help, desperate!!
Hi all, Recently everyone here was very helpful in me making the decision to go bankrupt which has completely transformed my life for the better. Now it is necessary for my boyfriend to seek debt advice and so I'm hoping someone can advise if he is likely to be able to go in to Debt Management, how Debt Management works…
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CCJ's - How bad are they?
I posted not that long ago about quite a few defaults I have on my credit file, which are due to come off anytime now. My credit score was just short of 800/1000 so I was extremely happy, i've got the cashplus credit builder, a few catalogues and now an Orange mobile phone contract. We had some arrears for our water bill…
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E-Music triying to con me out of a tenner!
:mad: I signed up for a free 14 day 24 download trial with e-music via getpoundsback.com. I signed up on the 30th of June and they immediately charged my account for £9.99 - which was the package I chose should I want to continue after my trial. It clearly stated on the pages that it was free and I would only be charged…
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Please help..overdraft charges!!!
Hi. Im new on here, so wasnt sure where to post this. I have a flex account with Nationwide with an overdraft, problem is, Ive gone over by about £5.00. Am putting in some money tomorrow afternoon. So will be back in to the agreed overdraft amount. Will I still get charged, and anybody any idea how much. And any other info…
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rebuilding credit & on dmp
im currently in the process of setting up a dmp. i have 3000 on 5 diff cc 1000 o/d 5000 loan i have money to pay of some of my cc's. im going to do f&f with 3 of them, and pay the full balance on 2. purely incase of emergencies i want to keep the card. i no you cant get new credit whilst on the dmp, but is it possible to…
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I was naive...
Hi guys, could do with a little help... Back last year I got 3 credit cards all with pretty good limits (around £2700 each). I'm 18 and I didn't practically look at it and went a bit wild... at the time I had no thought to it, and thought it was easy money and I could worry about it later. I didn't realise how soon later…
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council tax and baliffs
hi can someone please tell me what levied means as i had a bailif letter put through my door saying they coming back within 24 hrs(yes council tax) when i phoned the bailiff he said i had to pay just over £400 but i only actually owe £256 now!!!!!!when i phoned equita they said its because i went from paying a weekly…
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miss worried's bailiff thread
hi can someone please tell me what levied means as i had a bailif letter put through my door saying they coming back within 24 hrs(yes council tax) when i phoned the bailiff he said i had to pay just over £400 but i only actually owe £256 now!!!!!!when i phoned equita they said its because i went from paying a weekly…
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Black Horse Full & Final
Evening! Does anyone out there have any experience of making Black Horse a Full & Final settlement? I may be in a position to make an F&F offer to Black Horse soon but was hoping for some background first - eg what percentage of the debt they will accept etc etc. Or maybe they don't do F&F??!!! Any success stories or bad…
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Urgent help
I need urgent advice i have just had a knock at the door from someone wanting to seize my goods. They are from derby court and the previous inhabitant has unpaid court fines and not advised the court they have moved we have been living here since april 1st. im now worried i have provided them with details of my name…
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Being thick about ipsos-mori
I've been doing ipsos mori polls for about a couple of months, and thought i'd go and have a look at what I had stashed. I couldn't log in, so I got in touch with them asking for my login details. Aparantly I'm not showing on the system, even though I've been getting sent surveys. What the e-mail suggested I did was…
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Is there a way through this trauma!!
Hello, I cannot remember how to get to the SOA, I knowI will get better advice if I post it and I have several questions to ask based on an offer I have had today to help me start my financial road to recovery. Thanks in advance.:o
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crazy afternoon thoughts
i have a feeling that one of my creditors is going to make me bankrupt over a debt in exsess of 12 thousand pounds i have equity in my home of some 30 thousand and i guess they are going to come after that so its only a matter of time. my crazy plan is to torch the house after they make me bankrupt and after i cancel the…
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Cap Quest
Hi everyone I have been having problems with this lot. I got a letter from them at the end of may demanding payment for a debt which i do not acknowlage. On the 12th of june i asked them using the letter at the top of the page to send me the CCA for the debt. Then on the 8th of july i got a reply letter which stated that…
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Probate Lawyer
Just looking for a bit of advice. My FIL passed away recently, leaving nothing but a fat pile of debts. So those that are left are trying to sort through it all. He had a BT credit card (amongst others!!!) run by MBNA, and they don't seem to believe there is no money to pay off his debts. Trust me there's barely a penny!…
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What happens when your debt management plan finishes?
If anyone could answer the questions below, that would be great! With regards to a DMP - Did it last a lot longer than what you were told/thought? And was any extra added interest/charges written off at the end of it? Payplan told us that this is what happens. Thank-you
