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Lloyds tsb/moorcroft pre court division
Hi i had a loan with Lloyds taken out in dec 2005.Due to financial difficulties was unable to keep up with repayments.I havent made any payments to this loan for about 18 months.Received letter from Moorcroft today notice of litigation before court proceedings are issued.They want full payment of £4600 in 7 days. I can…
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Under pressure
I received a call from RMA this morning, the guy on the phone made no references to them being a collection agency. He asked me to run through some security questions, I refused because I didnt know who they were, he said they were working for a client but would not say who until I had answered security questions! He said…
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threat of doorstep collection
Hi, I have a letter from a debt collection agency,. threatening doorstep collection. I have, in the past, used a letter withdrawing permission for debt collectors to call at my address, but cant find it now, can anyone point me in the right direction please? Thanks :D
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Lots of Debts - Complicated Scenario
Hi All, first time for posting. Have read some of the threads with great interest and have decided to bite the bullet and ask for help. I have lots and lots of debt approx 33500k on credit cards/loan and 43k on car loans plus a 4k overdraft. I also owe the Revenue 3k in Self Assesment. My predicament is complicated, I am a…
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Some free entertainment - PC & MAC Game - Portal - Free
Already posted here - https://forums.moneysavingexpert.com/discussion/2465435 To celebrate the release of games on the MAC from valve on steam. Portal is free to buy until the 24th May. To get the game. Create a Steam account/Login to Steam Download Steam Goto the Portal page (Direct Link -…
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Telephone harassment
Hi everyone I am a newbie but just wanted to let you all know that I was receiving tons of calls from Egg and RBS as I am behind in credit card payments and I sent off telephone harrassment letter and all the calls have stopped :) :):)
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A Huge Thanks
Dear All who use this board. I've been lurking here for quite some time (years) and this is my first post. After 5 years of being in debt to the tune of around £25000 due to divorce and a vindictive ex, yesterday i made the final payment on my outstanding debts. I just like to thank you all for the invaulable help and…
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SCM Solicitors
I have received a letter from SCM solicitors about arrears on my loan account and threatening court proceedings. I lost my Job in June last year paid monthly payments out of my savings but when that ran out and still no new job I went to my bank Lloyds TSB for help. They agreed to reduce my payments to £40.00 per month. I…
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New to this, don't know where to turn
Hi there, this is the first time I've posted on this forum :) I just don't know where to turn, we are in financial meltdown at the moment, and I'm terrified that we're going to lose everything we've worked for. A bit of background, I used to work full time, but due to severe crohns disease and arthritis I can't work at the…
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Innappropriate behaviour from Albion/Sainsbbury's Bank
I suppose I am really writing this to rant, but am also keen to see if there is anything I can do to stop the harrassment I am getting from Albion. I have been paying a loan off for years and until a year or so ago with no incident. Personal circumstances mean that I am now in the process of setting up a DMP with Payplan.…
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electric arrears
So the person who was meant to be paying the bill never did while he was living at address, we kept getting bills and eventually had to go on pre-pay meters, now this person hasn't live at address since September but still 'claims' to be at the address. The gas debt was put on the meter and we paid it off, bills kept…
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Thursday 13th 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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Experian Credit Report Mystery
I have 5 debts and have just looked at my credit report on Experian and 2 of them are not even on there - would there be a reason for this. I have moved abroad and had no contact with them for 12 months, I am now in a position to begin paying them, I thought I would look to see how much I owe back but can't see them on…
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**Thursday 13th Daily Chat** - Come and join in all you lurkers :)
Morning all Had the best nights sleep again last night :) Just hoping that I might have seen the back of my insomnia for a while! Its a beautiful morning out there, cold almost like Feb rather than May but hey at least its not raining! Have a manic busy day again today but being taken out for supper tonight and I can't…
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Massive c/card debt, unemployed, help in scotland?
im robert and a single partent who is unemployed, i have £16,000 spread over 5 credit cards and an overdraught, i have heard there are debt advisors who contact your creditors and make arrangements for you to pay what is within your budget and get them to freeze your interest. Im in scotland so the rules may differ from…
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opinions needed...please
posted my soa a while back and had some great help, so was hoping for some more of you good folks wisdom. Right! we've made a bit of head way into our debt but am really running out of steam now, am now considering selling our house as it's the biggest outlay we have every month, a couple of agents think we'd get our…
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Tomlin
Please give me advise my husband and i have a all monies mortgage he is now bankrupt because of the building trade collapsed. He signed a guarntee for overdraft which he was unable to pay,i did not sign it. The bankruptsy has been settled We are trying to settle out of court with a tomlin order for a agreed amount for the…
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£130 a week to live on, is it do-able!?
Just wanting bit of help, have given up work to look after kids, well, I was only part-time, but the only way we can manage to pay off debts and pay bills will leave us with £130 a week for food and other bits (not including petrol, thank goodness!) I just think this seems like a tiny amount when you consider birthdays,…
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Does CCA have to be an original signed copy?
Hello, I am really hoping that someone who is an expert on these issues will be along to give me some advice, as I must admit that although I have gone down the CCA route - I don't fully understand it all. Basically, my husband owes Citicard about £14,000 - I requested a CCA in July 2009 - I heard nothing, but the debt was…
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statement of affairs - advice welcome
Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 1,950.00 Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 0.00 State Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .…
