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Barker & Lowe legal recoveries, anyone heard of them?
OK to start with, I am on DMP and have a payday loan which is on the DMP, its with Wonga and I have been telling them I am working with CCCS to sort this payday loan out etc. I know they received 1 payment from CCCS last month and I am expecting another one to be accepted off the debt anytime soon. I have received an email…
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Dealing with Council tax court date 4th feb then what?
Ive been told I need to ring up the next day (5th feb) to set up a payment agreement with the council debt recovery team since they can spread it over a longer peiod then the council would normally allow. Im trying to figure out how much i can afford to repay, esp since we'll have a new lot in April and I dont want to get…
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Letter after 10 years
I have just received a letter from Debt Managers Ltd, about a debt from 8 years ago, on a card defaulted on 8 years ago. It was from a time when I was a student and suffering from severe depression, I had little memory of it, and was surprised to receive this letter. I have been running away from debts and other things…
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Financial advisors
Hello all, I ahve just received two of the three credit files I have applied for on behalf of my husband. They are confusing - I can tell things are really bad, but don't understand much of it. Does anyone know anything about financial advisors - where can they be found? Would they be able to help me through the credit…
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About to take control (I hope) but how?
Hello. I haven't been on this forum before so sorry if I'm repeating what's been asked before. I'm a forty-year old single father who's got into a load of trouble with credit cards. Won't bother with the sob story but £47,000 down at the minute. I've spoken to CCCS who have given great advice but before I go along their…
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Taking on a 2nd job to help pay debts?
Evening everyone Just wanted to ask how many people here hold down a full time job as well as taking on a 2nd part time job to help pay towards your debts, And if you do hold down a 2nd job as well what do you do ? I currently work full time in an office from 7:30 to 4pm so i think it's time to start looking for a part…
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advice regarding collection letter
hi. i am a totally newbie but a long time lurker :) i left my job in august 2009 because i had a new job. the employer kept delaying and delaying until it fell through in october 2009. unfortunately around this time i suffered a miscarriage which lead me to be hospitalised due to the mental impact on me and because of…
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Bailiffs - Collect Services -Council Tax
I had a liability order made against me for late payment of council tax on behalf of my district council for which I am paying 100.00 per month to the above firm. The bailiff is pressuring me to allow him onto my premises to make an arrangement to pay the debt which I have refused to do on advice given to me by National…
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Finally - my current SOA! Hit me with it!
Hi everyone Finally got around to updating my SOA. Had my "flickering candle" moment in 2008 but I don't think I aplied myself as I could have (lifted straight from many school repots back in the day ;) )! Finally, I've had my :idea: moment! But I felt it was a bit glib of me to be commenting on your SOA's without sharing…
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Clearing my overdraft
Hi, First post and all so apologies if this is in the wrong section. I'm 20 years old and have an excellent job which pays £28,000 per annum. After tax, this ends up as £1771.15 which is paid into my account each month. Being foolish before, and having to pay for some hefty work on my car (which took me by surprise because…
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Help! Advice on credit card debt.
Hi everybody, I am new to here and am wondering if anybody had any help or give any advice! I have an ok wage around £1700 p/m but have quite a lot of debt my credit cards totalling around - £13000 and a h/p of £10000. I just can't seem to make a dent in the debts and would'nt mind if I never had anything on credit again!…
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Fitness First & C.A.R.S.
I'm now really, really worried. This morning I received a letter in the post from Creditlink Account Recovery Solutions. It had the heading "Notice of Legal Proceedings" on it and that their client is Fitness First. It states that i owe them £54.25 and that I "have ignored previous attempts to resolve this long overdue…
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Hello, let me introduce myself
Hi everyone, i have been a long time lurker and today finally decided to join :D I have been a debt free wannebe for a while and have made excellent use of the information here. 12months ago i had a £3000 overdraft, a £4000 credit card bill and still had £7000 left on my loan, :eek: this is were i am at now Credit card -…
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Halifax Credit Card increased charges
Hi, I had a letter from Halifax giving me the statutory 30 notice of a 5% increase in my compund and APR rates from 13.9% to 18.95%. In the letter they gave the option to 'close' the account to keep the interest rate static - basically converting it from a credit card to a loan. I've literally just called them to tell them…
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What does this mean????
Checking my credit file at present and have an entry dated 14/01/10 "there have been changes to the following Credit Agreement in your credit file. Deleted Credit Agreement Summary Vodafone Gemini(I) - Communications Supplier" Does that mean by debt to Vodafone has been written off? I did owe them £1200, they handed it to…
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can ask them to stop calling?
I have a few debts, about £500 worth and they are torturing me for payment. I'm currently suffering from some mental difficulties and have written to the companies asking them to deal with me via letters rather than the phone. One of the companies phoned me and said that they would need to speak with me. my husband told…
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£73,000 Plus Interest - best way forward?
Firstly I would like to say a BIG hello too everyone on this forum, and keep up the good work . Being a Newbie I hope I’m posting on the right section! Hers my story:- As my name suggests I owe £73,000 and am a little in the pickle! 7 years ago I started a sole trading business from home, it required £100,000 to set up and…
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Huge problem with Abbey, Please Help
Just a quick question really, I used to have an account with Abbey, but after a few disputes over my account I switched banks to Yorkshire Bank in July 2008, however, I did have a £500 overdraft on the account which I had not paid back due to insurmountable financial problems. However I have tried to make steps to pay this…
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credit rating/score
I myself become debtfree last week :j I have not seen my credit rating or score. I know it takes a while until things improve regarding any bad things on my credit rating already but am wondering what does having a bad credit rating prevent? I only had small debts all under £300 and ALL were catalogues. Some of these i was…
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bank acct arrestment.
hi! i have council tax arrears and am unable to make the payments they're asking. so now they have told me bank account arrestment will be enforced. does anyone have any advice on what i should do? as far as i can see my account will be frozen. should i open a new account? will they arrest the new one too? i will pay them…
