-
Owe money to friend's boyfriend - help!
I'm in a bit of a sticky situation and I could use some advice. My friend's boyfriend has been using one of my bank accounts for his (legal) online gambling. Initially this seemed like a good idea to me - he made hundreds on the account every month and paid me a fraction of it. But then I got into debt and I was unable to…
-
council tax
not sure where to post this a friends daughter and her boyfriend moved into a rented flat in around aug 08 til july 09, it was through somebody my friend knew so there was no tenancy agreement. The flat is above a car repair garage. They paid £100 per week in rent to the landlord and £x per week to the guy who runs the…
-
newbie looking for any advice...
Household Information[/b] Number of adults in household........... 2 Number of children in household......... 1 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 300 Partners monthly income after tax....... 1200 Benefits................................ 120 Other…
-
where to start?
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... 5 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 406.00 silly me i had the weekly amount down!!!! Partners…
-
can they do this
bit confussed as my old gas account was passed onto sc gray solicitors limtied and i thought i had paid my first instalment to them but i have just noticed that i stuck it on another account to another debt collection. i have just looked at my account for the one i missed and have noticed they have stuck on another £100 on…
-
Wescot & Virgin Media
I've had a lovely letter today from Wescot, on behalf of a Virgin Media account I closed 6 months ago. I closed the because I was moving home, and was asked to pay the remaining balance on the account and the "disconnection fee" over the phone - which I did. Now Virgin are claiming that I was "misinformed" and the…
-
Wescot Financial Services
I wonder if anyone can advise me what to do? I received a phone call yesterday from someone asking me to confirm my address and date of birth (they knew my name). They refused to tell me who they were so I refused to give personal information. They said it was personal so couldn't tell me til they proved it was me, so I…
-
DMP payer looking for friends. I know, sounds a bit limp doesn't it.
Hi there. I've been on a DMP since May 2008. From November 2004 to November 2009 my life repeatedly spun out of control as my health mysteriously deteriorated. The 6 months leading to the DMP... well let's just say I wouldn't have been surprised if I hadn't made it. But here I am and it's 2010. So far I've paid £1505 of my…
-
Aktiv Kapital - confusing letter!
Hi, I hope I'm posting in the correct place here - today I got a letter from a company called 'Aktiv Kapital', thanking me for clearing my account and that they were pleased to receive my recent payment. Now, I have never heard of these people and have no idea what they were talking about. When I was 18/19 I got myself…
-
Dfd!!!!
I received my belated Xmas bonus today and have paid off my credit card in full. The result being, I'm completely debt free now!
-
new to the site..need help if possible
Hi all... i am new to this so not sure where to start.. i am a single parent of two children. i owe money to catalogues and a credit card.. i recieve numerous letters and phone calls from them , all are passed to a dca .. Lowell dca have my one debt and received a letter saying they are now in control of another one :( ..…
-
Debt management company got me in £4,000 more debt
Hello, I signed up with a debt management company called "ADS" last year to consolidate my car loan, a hire purchase. They were more than happy to take it on, actually bugged me 4-5 times a week to hurry up with my application. I was paying them £150 per month to cover the car loan repayments and 2 small minor credit…
-
SOA estimated values
Hi everyone, I am trying to work out my budget with buying a house and therefore do an SOA. But until I get into the house I have no idea what my bills are going to be as I have never lived in a comparable property. So im looking for some advice as to estimate values for all the things I dont know. The house is a small 3…
-
a lot of change this month...new soa!
..........
-
Help with a 'script' for speaking to creditors
Hi everyone! I have BiPolar disorder, and have always had issues with talking to people on the phone. I have major avoidance issues regarding anything important, which has led me to hide bills from myself even when they weren't overdue, and just ignore them and spend the money on other things that I didn't need and didn't…
-
Where are my wages!!!
After having sorted out all my tax issues and got my wage slip through the post with a nice rebate showing on this months wages. Woke up today (my birthday to boot!!!) to find out that I havent been paid!!!:mad::mad::mad::mad: Does anyone know where I stand if I get charges from my bank for bounced direct debits and also…
-
Where should I start?
Hi, I'm new to this forum, so please go easy on me.:) Ive decided I want to try and get myself out of debt, but where should I start? I have credit card with £3000 My overdraft is £1500-which I always use to the limit.:( I have a loan ending in July which I pay £205 per month on, so can not wait till this ends! But where…
-
just a quick question re being taken to court
HI all, if you are taken to court over unpaid debt and the creditor obtains a CCJ will the judge contact my partners employer for any reason? The reason i ask is that i was under the impression that the judge will want to look at income & expenditure & my partners boss is very very funny about debt & it would be horrible…
-
Zinc Recoveries
A couple of weeks ago, I received a text message from Zinc Recoveries. The message contained a phone number and a reference number. I called the number and left a message. The following day they called me back. I refused to divulge any personal information to them in case it was a scam. I suggested that if they were trying…
-
The letters have started!!
We are starting our DMP on the 01/05 with CCCS as we want to clear a couple of smaller debts in Mar & April before the DMP begins - we sent letters to our creditors with token payments for March - post dated cheques - which they all managed to cash - 3 days before the date!!!! - checked with my bank and they say there is…
