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Identity theft on a loan
Hi Ok, I read the sticky's but couldn't find any info, sorry if this is in the wrong place. A friend of mine has had someone take out 2 loans in there name, and they are now being persued for re-payment of these loans. Can anyone suggest what my friend should do next? Are there any professional people who can help with…
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Help!
I really hope someone can help i dont know where else to go. My partner has a loan with FLM (dont ever go there) and of course it is with a guarantor. The guarantor is someone from his past and no longer in contact, we are due to marry in July so want to get everything sorted. Unfortunately a couple of payments have been…
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Urgent advice needed please
Hello, A friend of mine that uses this site religiously has told me to post here for advice so thought I'd give it a go... I have unpaid council tax from my previous property, I tried to set up a repayment plan with the council but they said they couldn't accept an offer and to wait until it had gone to court. It went to…
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Harrassment from Solicitors
Hi I recently received a CCJ due to an outstanding debt and received a letter dated 21st January 10 giving me 14 days to make payment or a satisfactory payment proposal otherwise they ay commence enforcement action through the county court. As i received the letter on the 23rd January 14 days would give me to this coming…
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lloydstsb who should i write to for F & F settlement
hi i am not sure if i am in the right place to ask this question. I want to make a lloydtsb an full and final settlement offer but i do not no which address to write to i have got 3 address on letters i have been sent but could be more: 1. Lloyds TSB Bank plc collection centre Brighton BN1 4BE 2. Lloyds TSB Bank plc…
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Trying to get a grip on my debts
Hi All, I need some advice and help. I have been in debt for some time now and am only just facing up to the issue and trying to deal with it. I think I have about £15000 worth of debt (1 credit card at £5k) and 2 loans at 5k each. The issue I am facing is trying to work out who the debts are currently with. I know one of…
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CCCS are brilliant
Just wanted to sing the praise of the CCCS. I am in the process of setting up my DMP, but due to my mental health issue have struggled to get together the relevant paper work ( like up to date statements) So this lovely lady has sorted it all out for me. She has phoned creditors ( I am too nervous to speak to official…
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Administration and the csa's DEO
Hi I'm sorry I know this is the wrong forum, but you lot all seem so kind (and clever) I need some info on what happens when a company goes into administration. Basically my ex's company went into administration just after christmas, he pays me CSA via a DEO, he is still working there, gets paid weekly, and still pays the…
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Ask a CCCS counsellor a question
Hi I've just started my DMP and it's been a great worry off my mind. However, I went online to check my Nat West account and they have closed all but one of my accounts. they have not written to me or warned me they would do this. I have already set up a separate bank account but what does this action mean? Thanks
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CCCS payments being sent late
Has anyone else had this problem, I have so far had 3 calls from creditors this month saying they have not received payments. I wouldn't have let it bother me if it was 1 creditor saying this as I would have thought that maybe they are sat on it lol, but for 3 to say this, its worrying. I have emailed CCCS regarding these…
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A difficult decision...
Ok...I'm looking for some guidance here as to what to do regarding my debt. I owe £2700 to a credit card company. They are offering to turn it into a rescheduled loan but the repayments are going to be in the region of £30 a month. I am on ESA as I've got ill health. I previously was making repayments to the credit card by…
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Starting today
Hi everyone I joined this site some time ago but have decided today that I want to become debt free and stay that way. I have been in debt one way or another sice I was 18 and am now 30 and think it is about time I sorted myself out. Having read the boards for months and months so many people have benefitted from this site…
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Question about statute barred
I hope I spelt that right! Anyway just wondering, I know that after 6 years of not akowledging the debt in writing its counted as statute barred, but I have been having dealings with thames credit and then aktiv kapital over a debt that right from 2003 i've said its not mine, basically they are refusing to get me a copy of…
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Son over his overdraft
Please can anyone advise what my son should do he is well over his overdraft with mounting charges and no job. He has a mortgage of 380 a month for a small terraced house. He has been unable to claim JSA because his girlfriend was with him for the past 6 months but she has now left. He has an appointment with the Job…
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harrington brooks
hi all, firstly, i was going to join harrington brooks and get a dmp but they asked for my bank details and card details and said i had to make a payment upfront on the phone and they want to charge me a fee is this the norm?? but after looking on this website thay dont seem to have good feedback so my second question is…
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AAloans
just wondered if anyone had loans with AA(rbs) and run into difficulties? Were they helpful sympathetic or allowed a payment break? if we defaulted any payments what would happen? would it screw ourcredit rating. would like 1-3months breaktogive us breathing space but dont thinkthey would allow this.
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debt helpers
Hello everyone Sorry if my budget post was confusing as new to the site, i probably rushed it a bit too quick! Food and fuel definetely a cost. I have started using mysupermarket to asses shopping, i already grow a lot of veg myself which is why gardening cost is £5 a month worked out cost of manure/compost/seeds over a…
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Historical salary overpayment
I've a fair idea to the answer but am out of the country and need to placate an almost hysterical wife back in the UK. I have a good, well paid job and we break even each month but could (and probably should) save considerably. Wife is on a career break from Civil Service. After first child she returned to work in 2004…
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Credit file and defaults.
Just some info... My older sister defaulted on a loan 2 years ago it was passed onto a debt collector. She checked her credit file and it still has gemoney on it. She was going to try and bargain with the debt collectors and offer F&F payment and try get her default removed where does she stand with this? Thanks
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Help Please With any Recent Changes in CCA credit card enforcement
HI I Need a little advice Please ( actually a lot of advice but for now) I have had help from a charity organisation recently, helping me with determining whether credit card agreements are enforceable and with regard to one with Barclaycard the solicitors of the dca Turnbull Rutherford have provided a copy of the…
