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Council Tax and Bailiffs Charges
I'd love some advice and some pointers to documentation .. because I'm sure this is wrong .. Our income is wildly variable because I'm freelance .. I have had months where I've earned £12,000 and other times when I have not earned anything for three months. We only benefits we claim are Universal child benefit for our four…
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Urgent request for advice, please!
Sorry, bit of a long post but just want to make sure all info's included... here goes: I sent a letter to CL Finance over three weeks ago telling them that I'd requested a CCA, that they had not responded within 12 + 2 or 30 days, and that as a result, they were in default and the debt was unenforceable. I told them I…
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Debt-free so Where Next?
Hello - I've just recently got myself debt-free by selling my house and boat (yeah - I know - a hole in the water to throw money into!!!!) and am renting while I think about what to do next. This board no longer seems appropriate, so where should I be looking for suggestions as to what to do with my £130K?
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Bailiffs collecting C/Tax- Help?
Hi all, Hopefully someone may have some help and advice regarding my situation. My partner & I have been struggling fanancially over the last year and the whole situation seems to be coming to a head now and we're really starting to struggle as to how to move forward. My main problem at the moment is that this years…
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Overpaid wage help
I'll try and start from the beginning. I worked as a xmas temp, from Nov 08 - Jan 09 Due to back pain (sciatica) starting the 02/01/09 I was unable to walk, let alone work. Anyhow, they were paying me SSP during this time, and I wasn't fit to go back until 16/02/09. However, my contract ended on 31/01/09 and they had told…
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My SOA - what next
MY SOA is below, I don't get it, according to all the figures we have enough money each month to cover everything so why don't we?! I don't think I have missed anything off but would be interested to know what suggestions people have for cut backs?! font=courier new]Statement of Affairs and Personal Balance Sheet Household…
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Northern Rock - Together mortgage loan problems
Hi, Just been on the phone to Northern Rock (NR) for the last 1hr talking to various different people and trying to get a straight answer. I am on a DMP with CCCS and have been for over 2 years. We have several creditors and actually have a separate personal loan with NR for £20k and a together mortgage which is £173k…
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Rejected For New Bank Account
hi first time on here so please be gentle with me!!!! ive just applied for an account with halifax and they have rejected my application. i have joint account with my girlfriend but they wouldnt let me have a basic account with no overdraft. the reason im looking fror a new account is im using payplan to reduce my payments…
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What am i doing wrong? Help, please
Hi All - I know that this is in the wrong place, so the 'powers that be' could you please move it to the appropriate place as really don't know where to post this and thought that as more people visit this thread I might have a chance to get responses to my questions!!! With the new system I find that when I log on and go…
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Cca
Hi, I've had a quick look around on the forums, but thought I would start a new thread to get the full picture on this. My wife and I are in a DMP, and have heard from others about the potential of trying to manage this ourselves, and offer full and final settlements (I know CCCS won't do this). I have some fears around…
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Ignored a debt for too long , now CCJ. Getting scared =(
Hi guys, I recieved a letter a month ago from Nottingham Court. At the time I thought nothing of it as I was about to go away to my parents for a month. But I got back to a letter saying that I now have a CCJ and that I was suposed to make my first payment by the 2nd of september. I have just lost my job , so even if I had…
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Bad debts!!!
My mum is in debt and is struggling to cope. But i have no idea were to start. She had her house reprosessed last year and the money left they gave to the people that she owed money too but now we don't know who has the money and im not sure how to find out etc. Also in finding out who she owes money too i dont know were…
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Scam??? saying i owe money but not possible!
This morning i got a letter in the post from CL finance, claiming i owe them £37.50 The thing is.. i know for a FACT i do not owe anyone any money... this is just simply impossible. I have not defaulted on any of the credit accounts i have in the last 5 years and prior to that about 2 default charges and that was simply…
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Just been on a minibreak and over spent feel so ashamed.
Hi. I write this on the train coming home from a couple of days away in Blackpool. It is the closest I will get to a holiday this year and went with 2 friends and we had an amazing time despite the cr*p weather! I saved up and set me a budget of £150 for the whole trip, really worked hard to get the best deal on the train…
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hsbc
hi all, iv got a problem and i dont know what to do....my mum has took a overdraft out in my name without my knowledge....i found out through my credit report....i myself do not have any debts. its a tough situation as the bank have said if i dont claim responsiblity they will have to prosocute. i dont know anything to do…
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six year limitation query?
I had a loan in 2001 that I thought had been paid off. I received a letter last month from Robinson Way saying I still owed just over £700 on it. They produced the agreement from 2001. I sent them the standard letter regarding the debt being over six years old and unenforceable. They have written back today saying the last…
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How much to offer?
I have a debt of £2400 with link financial which i pay £1 a month at the moment, if i were to make an offer of F&F settlement what would be a good opening offer? They've had the debt for around 3 years. Thanks for any help, ollie.
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Requesting CCA's
Hi I requested Credit Agreements for a few of the catalogues that are being paid by my DMP. I used the template letter from National Debtline. The catalogues have sent me copies of a credit agreement but not one which I have signed. Are they just being sneaky here thinking I will just leave it? Shall I reply asking for a…
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Urgent MBNA help
Hi all Need some help with MBNA- Was made redundant in February and have struggled since. My outstanding balance is £4400 and I am currently 3 months in arrears - no defaults issued. I have been talking to MBNA and they offerred £1300 as a "Short Settlement". I can just about afford this and would be keen to clear this.…
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Claim4Refunds.com
All, A mate has just called me and said look at : www . claim4refunds . com (hyperlink removed to save spam) I had a quick scan of their website, but these days I'm very cynical of companies that promise to save you thousands (other than this one!). "According to a legislative loophole" blah "We can get the majority if not…
