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Old lodger has ran up debts & wont pay!
Hi there Can I ask some advice? I've been told so many different things, that I dont know what to do or to think??!! I had a lodger in July 2008 for 6 months. She changed her bank details to my address (I own this property and have a mortgage on it). She was terrible at paying her rent and I asked her to leave. After she…
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Lloyds TSB consumer debt Brighton
My partner has a debt that was passed to Brighton 17 years ago, we were paying £10 a month , then 3 years ago it was increased to £15 a month They now want £50 a month, he rang them today , they said they were not a debt collection agency, they were lloyds TSB and the debt had been passed back to them 'in house' He asked…
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unexpected money
so happy - i have claimed some tax back for my professional subscriptions and only thought i would get £60 - turned out i got over £100! very happy - now - do i put it against a CC or put it in the bank to help clear the overdraft or do i put £50 to a card and £50 to the overdraft?!!?
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Need advice on £4.3k debt please!
Hello all, I really need advice and don't know what to do to solve my debt the best way. I currently have a £2000 overdraft which I'm always at by the end of the month, and a £2300 credit card bill, but the limit's £2200 and they're not very happy with me. I take home £1000 a month after tax, about £500 of which goes on…
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Question re Credit report
Hiya, not a bankruptcy question as such but my friend has got a copy of his credit report from Experian. He's had someone knocking on the door and presumed it was a bailiff because of a 1k debt he had with HSBC bank years ago (ongoing argument about charges). So he got a copy of his credit report to check. This bank debt…
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HELP....Full and final Vs Partial settlement
Hi All, First post, so apologies for any mistakes. I am trying to settle some outstanding loans with creditors by offering full and final settlement figures to them. I have 10 creditors at £63k worth of debt. I have paid 6 creditors off response to negotiations and letters stating full and final settlement and I must say…
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Moorcroft Representative
Hello, first post so sorry if this thread is in the right place or my question has been answered before! I had a personal loan with the Halifax which went into arrears, I got passed over to moorcroft and apart from the usual "can you pay any more" kind of stuff i've had no bother with them. last year i forgot to make my…
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lewis debt group
last year i recieved a fine from companies house for £750 i kept putting it off and finally got a letter from the Lewis group, so i paid to companies house. i now have recieved a letter from the Lewis group for a bill of£983.44 when i phoned to explain i paid the £750 thay said it must be a mistake but i still owe them the…
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Sanclare advice
Hi I have been contacted by a DCA (Sanclare Financial) regarding a second mortgage taken out on a house I used to own with my ex. To give a bit of background - We bought in 2004 for £130000. We split up in 2006 and I transferred the property into his name and left with nothing. At least I thought I did, I was unaware of a…
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Help please. I dont have a clue!!!!
Hi all, OK firstly Im posting this for my mum so please dont go judging, she just wants advice on where she stands.:( My mum decided to move to Turkey last year after meeting someone over there. She moved in with him and he told her she needs no money, he would look after. Well this was not the case. My mum was claiming…
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Hi Can someone look at my soa
Hi Can someone look at my soa and see where I can make improvements, we've recently paid off a loan I had and the arrears on our electricity with a previous supplier so am now going to be hitting the credit card debt next, and paying £150 off per month starting from this month. I want to try and pay everything off as…
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Is a remortgage a good idea to clear debts?
I have £3000 on a credit card + about £3000 (2 years left to run) personal loan. I am on a fairly low wage and whilst I can pay the bills can never save anything and seem to launch from crisis to crisis - eg one looming on the horizon is my becoming pressing need for a new boiler. Should I remortgage and pay all debts off,…
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Straight into debt after school.
I just realised that I have been living on credit ever since I left school, straight out of school and into student debit. I guess this must be a pretty common story, anyone else been living on credit all of there adult lives?
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Unique DMP situation - Unsure how to proceed - Can anyone help/advise?
Hi all. I'd be really grateful for any advice!
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TODAY 3pm - BBC MoneyBox Live 17th Feb - Debt and borrowing
In case anyone is interested.. UPDATE: Airing TODAY @ 3pm http://news.bbc.co.uk/1/hi/programmes/moneybox/8506457.stm
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Bank List ???
Hi. Wonder if someone could help me ?? I am after the link to the bank list that shows who is connected to who. Many thanks
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No help from the bank...help!
Hi there, Due to unforseen circumstances, my other half is struggling to pay his credit card bill. Basically, as well as trying to pay off the balance he is being hit with a £250 interest charge every month. This means he is only able to pay that amount and not clear the card - essentially this could go on forever. He made…
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Debt clearing going amazingly well.
Just a quick post to say thanks for the advice and support from the many members on here. I summarise me and my Financee combined all debts (more from me then her I will admit), this really cut down interest rates as she seemed to have quite a few deals she could have got. From doing this is freed my credit from being near…
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Any advice please?????
Hello, Ok basically my girlfriend received a letter from Barclays bank informaing her that they are shutting down her current account with immediate effect! All cards to be ripped up a large overdraft which they demanded be paid within 2 months leaving her with no £ for food or travel to work?! She hasnt received any…
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Dmp - responses from cc companies
Ive posted before and said that I was going to start a self administered dmp but was worried about speakng to the companies I owe money to, especially, reading on here how difficult they can be. I think I must be in an alter-dimension at the moment cos everybody I have contacted (so far) have been brilliant - even…
