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threat of charging order on house
Hi everyone I am new to this site but have been googling all morning as sick with worry over a debt I have. I'll try and make it brief. It was a credit card taken out with EGG, got into about £4000 of debt with it about 8 years ago. I was unemployed and basically lived off it and couldn't pay it back. It was taken over by…
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Story So Far........
25th March 2010 - Taken my head out of the sand at last I've been popping up on different threads, especially Niddy's. Thought I'd tell everyone what had happened and where I am up to incase it helps anyone. From when my marriage split up I was left with debts I could not pay and had been making token gestures of £1 a…
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Our situation, any advice?
We have run up alot of debt since moving here 7 yrs ago, and I am feeling do low. I became depressed and admit to spending alot more than I normally would, my husband was made redundant from a very good job and we lived off credit cards, hence the amount we owe:( I have done the statement of affairs, but the problem is we…
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Clarity Credit Management bank details?!
Hey all, just had my repayment offer accepted by Clarity (woohoo!) and realised that I have no idea how to pay them?! They never actually sent me any bank details and their phone number (0844 561 1715) appears to be 'temporarily out of order'. I don't really want to pay through their site. Any ideas?
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next default - please help
hi please help or advise, got into some trouble with next last year, account was passed to dca. I settled within a month or so. next sent me the below letter, please read and give me your thoughts as to its meaning. DEBT COLLECTION DEPARTMENT MY NAME MY ADDRESS CUSTOMER NO CURRENT BALANCE REQUIRED PAYMENT PAYMENT DUE BY…
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help :(
i originally posted this in the bankrupt forum but not sure if that was right so please excuse me if ive got it all wrong :o Hi all firstly let me say I’m sorry for the long post :) mu husband and I have found ourselves all of a sudden in deep trouble and unsure which way to turn, I have been looking at options all weekend…
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Credit file & Overdraft
Hi, Hope everyone is well......just been trying to sort out my credit history over the last 4 months (god its a stressful thing isnt it) and I have sucessfully had some incorrect information removed on there. The query I have is that in April 2009 I filed for bankrupcy and 6 months later I was discharged, when I ordered my…
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Bank Employees
Afternoon MSE'ers :wave: Well, we all know there are various bank employees on the forum, but who has spotted the AE's, i.e. those that want to "blend in" who deliberately withold the fact they are employed by a bank..... What about those that openly admit to working for a bank, that have now either stopped posting, gone…
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What to do about partners old debts?
Hi everyone, I'm sure this question must have come up on here before, but I've searched and can't find anything - I will contact one of the 'good' agencies listed under where to go for help and advice, but I wanted to post my question on here because I really trust this site - thanks in advance for your help. My problem:…
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Paying off Credit Cards
We currently have three credit cards (I know what idiots we have been having so many) We have nearly finished off paying one (it was the smallest amount and I hope we can clear it next pay day) My parents have offered us a 0% loan to clear the other two.(yes, I realise how lucky we are to have this option) My question is,…
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HELP - O2 Default - loophole in law
Hi, I am hoping anyone can help me with this. I have several accounts with O2 I got one for my teenage son two years ago on a O2 simplicity account which is basically there account where you pay monthly, have one months notice etc Anyway, after he went a bit crazy with the phone and decided to go pay as you go, I called O2…
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Being pursued by BT for fraudulent debt
Hi I hope the forum can offer some advice... My fianc!e recently received a letter from a debt recovery agency acting on behalf of BT. She is being pursued for a phone bill debt of £450 at an address in Cumbria dating back 4 years. She has no knowledge of the account or address, especially as she's live in Birmingham for…
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What next??
Hi all Ive been in the process of sorting my debts out and have wrote to all my creditors. Some have accepted offer of payment straight away but others havent. Ive been doing all my letters from the National Debt templates and have sent them the letter asking them to re-consider, but theyve now come back saying No…
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Bank Holiday Monday 31st May What Small DFW Things Have You Done Today?
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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i need advice
Hi i dont know wat to do:( im about 8000 in debt tryed to repay wat i could with debtmangement but cant afford the payments of 100 a month and it wil take me 6 years to clear that debt ,Isnt it easyer to to apply for bankruptcy . im wrking pt at the momment I HOPE! to find an other job soon maybe wrking two jobs is my best…
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Template letter requesting to be told the full amount of money owed for every debt??
Ive got roughly £9,000 debt spread between 2 creditcards, 2 overdrafted debitcards, and my british gas account. All 4 cards have been passed to collection agencies about 12-18months ago. (Im not sure the names of the agencies though as i ignored all their letters, and they gaveup trying to phone me about 6months ago) But…
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Makng money from surveys etc
Ola, I'm just looking at my finances and trying not to be bleak. I've recently started doing online surveys, entering free competitions etc and I was just wondering who here makes money from this and how much on average they make and any tips?
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Template
Hi, can anyone give me a link or show me where to get a template to offer creditors a full and final settlement, we been on National Debtline website for Scotland but wont let us access the letters, thanks
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Tesco Loan Decline
Could anyone provide me with genuine advice here. Being responsible I thought that I would consolidate my debt in to one manageable personal loan repayment per month. I have an existing loan with Tesco and two credit cards. I thought it sensible to subsume my Tesco loan plus the two cards to one monthly payment over 5…
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How long to keep paperwork
I'm just starting to clear out my boxes of papers :eek:, and wondered how many years I need to keep letters from utility companies, bank statements, DHSS, matters relating to divorce, (assuming I will need to keep the decree nisi etc), the bankruptcy paperwork etc etc. Thankyou for your help:)
