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MHA collections email??
Hi there Does anyone know if there is an email address for MHA Collections used by Lloyds TSB? My hubby received a letter from the above today demanding a payment of £384.46, where we know they received a token payment as arranged over a month ago, they are threatening that if he does not pay this then Sechiari Clark and…
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Manchester test cases on CCA ,s any news?
A number of test cases were put to the High Court in Manchester last week has anyone heard anything ?
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Most successful MSE challenge of 2009?
OH and I are thinking of setting ourselves some challenges for next year, but there are so many to chose from! We wondered what your most successful one for 2009 had been and which you'll be doing again? It might help us figure out what to do! [threadbanner]box[/threadbanner]
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Frozen bank account at Nat West and not allowed to view statements on line
Can't believe this, Nat West have frozen my current account as I am out of work and cannot make my loan repayments (have new a\c with the co-op bank). I have just discovered that this also includes freezing my access to my on-line statements. I am rather angry about this, I have banked with them for over 20 years and yes I…
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Stupid, unrealistic and many other things
Hiya like many others i having been reading for a while and have decided to post. I have not posted before as im not sure of the reaction i will get but what ever it is i need some help to sort it. I am not masivly in debt and i can afford to live and pay my way . But my problem is I dont want to be careful and im not.…
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Vodafone/Westcot default
i am getting really confused and very angry-I defaulted on a phone bill in 2004 with Vodafone, however the debt was passed on to Westcot who then I paid a small amount to-they said my account was defaulted in 2006 (marked) on my credit file and I have recently paid the debt off this month, however I phone Vodafone who said…
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What small DFW things have you done today Monday 30th November
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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Monday 30th November St Andrews' Day chat
Morning folks Just popping on to say hello and get my FlyLady list... Monday- Living room, hall Level one Clear floors of clutter and vacuum them Make time for yourself!! Half an hour of peace! Level Two Wipe sofas Vacuum under furniture you can safely move.. I don't want any hurt backs! Sort coats and shoes and bags Level…
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telling a partner about my debt
i have got myself in a load of debt over the past few years. after burying my head in the sand , i finally took control and contacted the national debtline, i am now on a dmp and have made regular payments for 8 months. i'm still not sleeping . my husband knows nothing about this. he always gives me 100% support in…
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Problem with husband's debt...
Hi all, a post for a friend who doesn't want to post herself as she is worried about her husband knowing that she is posting - I've told her that I'm sure you lovely people will have some good advice. Her husband is unemployed but isn't entitled to any job seekers etc as his last employment was self employed but he didn't…
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My Situation is a mess!!
I work full time earning £13500 (£950 a month) I pay £650 into a joint account with my wife this covers household bills...mortgage,gas, food, cars and petrol...phone bill. About a year ago my wife consolidated my debts she took a loan out for £8500...foolishly some of the debt was not cleared and i wasted some of the…
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New Year - New Start - Advise please
Been in Debt ALL my adult life, Manageable debt... can afford it as have always cut back on everything else, always pay on time ect Currently paying out £465 per month alone in loan repayments All are on the best interest rate available. Finally decided enough is enough and after xmas going to make some more cut backs and…
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really need some help please!
well where to start? i have posted on here a few months ago, but managed to get my head above water for a while, however now im back to square one, if not in a bigger mess. i have several loans, i have been stupid and lived beyond my means. however i am able to repay the loans as i have a good job. my only problem is that…
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Just need to know I'm not alone
I was on a DMP with CCCS for a couple of years until Jan this year when I was admitted to hospital with severe depression. I've only just got discharged (20th nov) Because I didn't make my payments to CCCS ( my money stopped, I didn't have their details, and I was too ill to deal with it) they closed my plan. I e-mailed…
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Excuse my n00b question but (relating to Credit Card Debt)
Would someone please explain to me the purpose of this thread: http://forums.moneysavingexpert.com/showthread.html?t=2078599 I'm under the impression it is relating to whereby someone took out a credit agreement (assuming via credit card) prior to 2007, has a balance on said card(s) but somehow the agreement is…
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doing well with debt and money management so far, what next?
I've got similar problems to many of you here. Debt, but comparatively small really compared to some. Owe about £5K on one card and about £3K on another. This time last year I lost my job, had to take a huge salary drop and have been temping but luckily been mostly in work, bar a few weeks. What's helped me has been…
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Black Horse ..... Help needed
Not sure if I am posting this on the right forum or not, but here goes. About 3 years ago my husband and I took out a loan with Black Horse Finance. My husband was self employed and we wanted to borrow £20,000 to pay HMRC for arrears in Income Tax, PAYE and VAT. Black Horse said we could borrow £20,000 as long as we also…
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Weekly Spend Challenge W/C 29th November
Hello everyone . Welcome to the weekly spend challenge. This challenge is open to anybody, no matter what financial place they are in. On this thread please post an amount of money you wish to stay below within the week (Sunday to end of working day on Friday). This can be pennies or thousands it depends on the individual.…
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Debt Problems
Hi, I'm a 3rd year student in quite a lot of debt and unable to pay it off with my the little money I get from my part time job. Was wondering what is the best way to solve this problem? As it keeps mounting up and I've had several final demand letters. Thanks
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Feeling Lost
I am not really sure where to start. I just feel like all is lost. I have only been married 3 months and already our lives are on hold because we have huge debts and no money left over once we make repayments. The main problem I am struggling with is that my hubby wont admit we have a problem. For example out SKY bill is…
