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Newbie 1st post - SOA Included
Hi I have been a lurker on this site for a while, posted once before but didnt keep up with advice, but had a baby a few months ago and realised we need to get our debts sorted out. Any help will be greatly appreciated Statement of Affairs and Personal Balance Sheet Household Information Number of adults in…
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New Debtfree Wannabe's SOA
Hi Guys, I'm Mandie, and I'm hoping to get out of debt as soon as possible, I am proud that I never miss a payment on any of my debts and never have- although it's a bit of a struggle sometimes! Any help I can get would be fabulous! :hello: Here's my statement of affairs... Statement of Affairs and Personal Balance Sheet…
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Advice on debt recovery after 10 years
Hi, in 1995 i lost my job and after fees owed £798.19 on an overdraft. I couldn't pay it so ignored everything until 2 years later tried to pay some off. My last payment was in 1998 and i stopped recieving letters about a year or so later. After a few years with bad credit i managed to get a bank account and credit card…
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Is my new MSE addiction csting a lot????????
Hi i spend ages on here is it expensive to run a lap top for hours? Better than shopping though eh?:confused:
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Charging Order
Hi Could someone please confirm what a Charging Order is? I am on a DMP with CCCS, just started it and Hitachi capital are not happy bunnies, I have phoned them explaining my situation and they are not happy to accept the reduced payment, £99 instead of £299 on a 16k loan. I sent in my CCCS budget but the woman claimed I…
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Help.... Any ideas?
Hi I am hoping someone can help me. A friend recommended this site and I thought I would give it a go. Last year I lost me job, and having found a new one we were given a pay cut. I was told I would need my income/outgoings etc so here they are: Income - £1,014.28 Outgoings Rent - £300 Loan 1 -£284.35 loan 2 - 116.83 loan…
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Direct Legal Collections
Hello everybody! When you are running your own DMP, do you tend to find that your creditors have a 'review' every 6-12 months, call you/write to you and then try and put pressure on you to pay more? I had this happen with Triton and CCA'd them, with no response as such, and now today DLC have called about another account…
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New to site...any support and advice appreciated!
Hi all, I've just registered but have often looked on this forum and found it very helpful! Here's my situation:- 2 loans, 3 credit cards, approx debt £28000 In February I wrote to my creditors explaining I couldn't afford my repayments any more and made them all a proportionary offer of what I could afford (£100 per…
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Paying off an overdraft
Hi, I have a overdraft with barclays, my limit is £4170, with a personal reserve of £500. My wages go straight in around £1200 and £1400 monthly. Now, after expenses I always go over my limit and this month I have incurred 4 times £22 charges, with this causing me to go over my reserve amount. They have charges me 3 time…
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Halifax not replying to letter regarding overdraft
I contacted Halifax regarding my overdraft with them and asked for them to accept a minimum monthly payment and freeze any interest on the account. I sent a financial breakdown with proof of my income being soley Incapacity Benefit and also my outgoings. They have not responded to my letter even though I sent it recorded…
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Following on from the ID Fraud..... Charging Order
Hi All! Where did 10past6 go?! You are all great here but he was a real help.... I can't seem to find him on here anywhere! I could really do with some help from anyone who might be able to advise on how I can overturn a charging order issued by a court please. Refresher: I discovered I was the victim of either ID fraud or…
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Albion debt collection.
I got a letter from Albion debt collectors, (acting on behalf of Sainsburys bank), this morning. I thought I would give the number a ring and see who I actually got put through to, and its some bank's home insurance? Now I wrote to Sainsburys a month or so back asking for various pieces of information they hold on me and a…
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bank of scotland chasing me
So about 4 years ago i had a student overdraft with the bank of scotland. I managed to go way over my limit, which i honestly dont know why they kept letting use the card when there was obvisouly no money in the account! Without any warning they changed it to a normal overdraft, even though i still was and still am a full…
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Council tax
Hi, Can anyone tell me what is the Equita Limited (certificated bailiffs) webiste? I phoned them today, and the person stated it's www DOT equita DOT co DOT uk, but when i checked that does not seem to be the one... that was a nature website... but the person kept saying she was sure that was the website. HELP PLEASE!
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help with redetermination
Hi, I am new to this website and would really appreciate some advice. Myself and my partner started on a DMP with CCCS as our debts were out of control and we needed help. We set up regular payments and have been paying them but I have received a CCJ from Nationwide for a loan of now about 12.5k. The court agreed to the…
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wescot illegal search?
Hi guys. over 3 years ago while living with my ex, i signed up for a premium channel on sky but when i sobered up in the morning, i cancelled the subscription. I think i paid £n for the first month but then nothing was taken out of my account. My ex called week before last to say that she had recieved a letter from wescot…
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Moorcroft / Triton Debt Recovery Info needed HELP!
I had an overdraft of £1250 with RBS from a student account years ago. I aranged to pay £10 per month. In August this was passed to Triton Credit services. They sent me very threatening letters demanding instant payment. These letters came one after another, demanding more information. Not giving me a chance to respond…
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Fredrickson International DCA RESULT!!!!!!
Hello all You may remember HSBC took my very old overdraft with £258 remaining to this debt collection agency. They started sending me horrible letters and phoning me. I sent them a 'prove it' letter recorded delivery and they have written back today with: Please not we have been instructed to take no further action…
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Is this legal?
Hello guys and gals! Hope everyone is OK! Just a quick questions, I have asked both of my DCA's to only write to me instead of the phone calls...one has complied,. the other one is still ringing and texting me about 6 weeks later...I have actually written to them again and asked them to only write to me, and yet this…
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dont know what to do :o(
il get straigh to the point basically a few years ago i didnt give a damn if i got into debt. i had mobiles,catalogues, personal loans etc i was in debt everywhere. i moved from where i lived, i settled most of the debts before i moved but there were a couple i didnt. a personal loan because i had been paying it and the…
