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debt
Hi can you help me please, my partner bought a vehicle from Reg Vardy, 12 years ago, he in the meantime (just after he got the car) went bankrupt, and as the car was on finance he was advised just to give the car back, which he did, he was told nothing more would be done about it, we now have had several collections…
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Worried about starting a DMP
Hi there, first off I should say I'm new to the site (for those who don't read people's stats!) I'm currently self employed and working in the private health industry, but have alot of debt run up from studying between 2002 and 2006. For almost 3 years now I've struggled on paying the original full monthly repayments, and…
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Help with old overdraft debt
Please can you advise me on how best to manage increasingly aggressive tactics from BLS Collections - I've been paying them £2 monthly for 10 years on a debt which never goes down, allegedly currently £715.16. It was a combination of overdraft and bank charges from an old current account with Lloyds. They wrote to me…
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What's a default notice??
I sent Additions the CCA letter (I'm 99% sure they have no signed one) and they replied pretty much saying they didn't. Then I sent them the follow letter, theyve replied by sending me a default notice. What does this mean??
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Urgent help needed!!
Now, hopefully that got your attention! This isn't really a good place to put it but as this is the most popular board I figured my chances would be good! I am writing a statistics essay at the moment and I need help from you guys. Can you please answer the following questions; How much pocket money do your kids get and…
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is this a breach of contract?...
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Advice about making full and finals whilst on a CCCS DMP?
I have been on a DMP with CCCS for 7 months or so. Total debt, just over £52k, with 6 creditors. Been going ok although this month and next month have had to do minimum of £5 token payment per creditor as broke my foot and was off work for 6 weeks so not much income at all. A relative has offered to help me get all these…
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How can I release myself from a guarantor contract?
My father stood as guarnator for my sisters franchise business approx. 8yrs ago. Over the years she has periodically faulted on payments and he has helped. He is now entering retirment and doesn't have a particularly close relationship with my Sister and would like to stand down as guarantor. Can anyone please advise how…
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Reduce the power that Credit Reference Agencies have on your life
Dear Friends, An e-petition is being compiled to reduce the time that Credit Reference Agencies can hold data on you from Six to three years (in line with Europe). This would improve the financial possabilties of many in what is a extremely unfair system. To get your vote counted go to the website via…
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Weekly Spend Challenge W/C 20th September
This challenge used to run every week (thanks to Moozie and PAP) but I have not seen it in a while so I hope no one minds but I need this to keep me on track ... Hello everyone . Welcome to the weekly spend challenege. This challenge is open to anybody, no matter what financial place they are in. On this thread please post…
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What do you do if they ignore your letters/CCA?
I have a debt with LV, that I think was taken over Barclaycard. I have been sending my letters to the Barclaycard address, started with the CCA letter, and then the 12+2, and haven't heard a peep out of them, except the standard statements and 'you owe us money!' of course. Even though they are my largest debt, they have…
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DMP going nowhere - IVA time?
Hi, We're currently about 9 months into a DMP, and are getting a little worried. The majority of our creditors have chosen not to freeze our interest, and as such the amounts we're paying back are hardly scratching the surface. For example, for one creditor we've paid back over £700 but have had about £550 interest…
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A New brighter day
A new start for me i keep saying but i do mean it now i am sick of feeling low and feeling like i am a failure, my debt is very low compared to some people £5000 pound to be exact my motivation is simple I WANT to be out of this mess look towards the future and never look back. And simply appreciate the things and the…
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Keep ISA or pay off credit cards?
Hi I'm new to this forum so apologies for posting a question straight away! I have about £17k in a Stocks and Shares ISA but about £34k in credit card debts I can manage the minimum payments on the credit cards OK and I keep the interest rates fairly low with balance transfers etc, so I reduce the debt by about £300 a…
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New here - can't talk to anyone else
Hello everyone, i actually joined this site a while ago before i bought my house. I am single and now live on my own. Over the last year (well just this year really) i have mounted up debts (credit card and overdraft) of around £3000. It seems like so much money and i have no idea how i've come to spend that amount, i had…
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is it 6 or 7 years
that a bad mark stays on your credit report ie a late payment etc and do they automatically get removed cheers
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Joint Debt ~ Shortfall on a mortgage
Hi my ex sold a property that still had my name on in 1999, in 2000 an agency or sub department of Britannia BS wroe to me asking for £10,800 I was on income support and a single parent as my ex had moved his girlfriend into my old flat. When they sold the flat she pretended to be the Mrs and so the property was sold with…
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Debt that isn't ours...
I hope I am posting in the right section, couldn't see anywhere else that this could be asked. A few years back following a family row, which I won't go into, I lost touch with my parents. Now nearly 6 years later (and having moved home about 3 times) I am starting to receive post addressed for my Mum that are debt…
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Bailiffs in Northern Ireland
Hi All Quick q? I'm I right in thinking that Bailiffs do not operate in Northern Ireland? I have been threathened with door step collections:rolleyes: by Skycard but I don't think bailiffs operate in Northern Ireland:confused: . I don't want to mention this to them if I am wrong:o and I wouldn't look to smug then:p TIA
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Maternity leave and Messy Money!
Hi guys, I'm hoping that someone will be able to offer some advice. I'm currently 8 months pregnant and have been off work on sick pay since I was 3 months due to being bullied at work. I'm currently trying to get the money I am owed from this period back (some £1500) which to be honest would come in very handy right now!…
