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charging order on house,shall i agree make arrangements to pay.
been reading a lot of the post on these forums for a while now .but was worried about posting because of my grammer and also the embarressing position i am in. but my partner has encouraged me to face up to the mess that i am in and hopefully start to sort my life out so i can start to live again . my debts are quite big…
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I'm back... after ANOTHER relapse :(
Hello everyone, I was an active member to the site and as some people will know you appear to get on track, clear a debt or two and everything seems so good that you don't think you need to come on the site as much, but oh you do! Since I last logged in, I havent accumilated any more debt, but at the same time havent…
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Capquest email address
Hello Capital One have apparently sold my debt onto these boogers, and I just wondered if anyone had an email address for them as they want me to send them my income and expenditure. Also, does anyone know whether they will take into account my partner's income as well as mine as he wasn't with me at the time I took the…
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Bailiffs visit - not sure what to do next
I am new to this site and hope someone can offer some advice. Many of you seem to have a wealth of knowledge which i don't on the subject of bailiffs, forgive me if i m ramble on a bit, I had an outstanding debt for council tax, which i paid off in installments to the bailiffs. Not long after i received a letter from them…
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credit card crisis
Hi I was wondering if anyone could help me sort out my credit card debt please? I am only able to pay the minimum payment each month and realise this is doing very little to clear the total debt owed. I have a total of 9 cards all at different interest rates and credit limits. The total debt owed is £29,773.60 I no longer…
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Phone calls again
Hi, after writing to Santander cards and formally asking them to stop calling me, they did,but they've strated up again :mad: What can I say to them over the phone to get them to stop? I'm going to write again, but in the mean time what can I say to them to ask them to remove my number? Thanks
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Can anyone help me ?? Capquest/H.L Legal Solicitors im at the end of the road!
Hi guys and gals im really hoping you or someone can help me! My Debt story is only with Capquest and i have followed many peoples advice on here. Capquest Keep coming back though! They are making me ill. HERES A BRIEF HISTORY! Hope someone can give me some advice and info many thanks 23/07/09 - I recieved a Stat Demand…
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Overdraft debt help for -£2,058.02
Hello, I would kindly like to ask for some help with my overdraft problem. The debt came about when I changed jobs, to a lower paid but far more interesting job, and continued in my old spending habits - which was on things I enjoy but are really luxuries, like music, books, fine food. I have debt of -£2,058.02. Here is a…
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Help !!!!
I took a phone contract under my friends name. Vodaphone used to direct debit from my friends account. I used to pay him directly to his account He left the country 2 years back. I went on to use the mobile phone , pay it to his account and it was direct debited from his account. For the last few months , i used to call…
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Hanging my head
Hi all. I was a dfw. But when I had my daughter in April 09 fell off the bandwaggon and lost track of everything. Now she is just over a year I feel bad. Everything financially is a mess. I buy all Morrisons own branded food but still cannot afford to start to dent my debts in. I only pay what is necessary to get by. Here…
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Mbna & aic
Hi there, I have a debt with MBNA of about 4.5k, however over the past 18 months, I have been reducing this down by £50 per month without them adding interest, however I have just missed 1 payment & they have sold it to AIC. AIC have called today claiming that they have sent me letters & called, however I can honestly say…
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Westcot Credit Services
Hi after a bit of advice, I have just received an address verification letter from Westcot which has been forwarded to my new address, when I rang to ask why this was sent they said I had an outstanding debt of £160, this debt was paid off over 2 years ago. I have moved twice in the past two years and recived this letter…
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Help please? - looking for advice on old debt
Hi everyone. I've gained support from members of this forum and was wondering if anyone would be kind enough to give me some advice again? Back in my student days (2003), I had a bank account with a high street bank, and struggled to run it within the overdraft limit. For the last year at uni I paid charges galore, and…
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Letter Wizzes.....
is this OK, or can you help me to beef it up a bit? It's to Lomard, who in the space of 2yrs, since he's had his DAS, have never sent my DH a statement of account!! Dear Sir It has come to my attention that although I am currently paying a regular sum of money to my account I have not received any statements from you. I…
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Help debt stat bard still being hounded
Hi All Please any help is apreciated i have been hounded for a debt in 1992 by fredrickson i have read your forums and sent stat bard letter i then recieved letter from Brian carter solicitors and they have also written I then sent formal complaint letter and recieved there complaint terms but they are ringing me at work…
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I'm Taking The Plunge....
I have 'lurked' these boards for a while now, but today I stumbled upon a few stories which have inspired to to take control over my life and finances, and thought I'd start here to see if anyone could advise me. I'm married with two small kids, and we have a reasonably nice lifestyle. We have some debts and cards, but we…
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Wescott
Has anybody had experience of settling a debt with Wescott? I am now in a position where I can offer them a F&F figure, however I would like this to be as low as possible so I can clear other stuff as well. What percentages has anyone had accepted with them. My debt is £4,000.
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Which to pay off first?
Hi there, Basically i have the following debits to my name Lloyds Duo Credit Card 2407.00 (15.9%) American Express Credit Card 987.00 (19.9%) Barclay Card 2623.00 (0% balance transfer untill Feb11 then 18.7% i think) Overdraft on Natwest Current Account 926.00 (17.8%) Now i understand i should pay more than the minimum on…
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Can I afford to keep my house?
Statement of Affairs and Personal Balance Sheet This is my SOA. These would be my payments if I split up from my boyfriend. The house has high running costs. Extra due to Brit Gas putting up gas & elec monthly payments. I have tried to guess my lowest spends on items like clothes. Any advice gratefully accepted :)…
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Bailiffs.
Had a letter from a bailiff posted through my current door relating to a property I used to live in, addressed to my old landlord. Long story shortened is that the council seems to think not only have we moved, but we have taken our landlord and his wife with us, lol. Just curious really, the letter relates to unpaid…
