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Bailiff Advice Needed Please...
Hi all, I'm desperately hoping someone may be able to advise me on this. My partner and i experienced some financial difficulty right up until a few weeks ago (ie , 1st May) due to loss of job and my wage having to sustain our household and also had already agreed to repay extra on mortgage due to suspended possession…
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Account in dispute
Hi all I had account with egg who passed this on to a DCA. I cca the DCA and after a while got reply back saying they couldnt get a cca and so was handing the account back to egg. After about a year i heard nothing then today got letter from another DCA who egg as sold the account to. My question is are they allowed to…
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On a DMP and have received a County Court Claim
Hi, Im back!! Well Ive been on my DMP since August 09 and it has been going great and I seriously dont know how we would have managed if we didnt decide to do it when we did. It has all gone really smoothly and only a few calls at the beginning mostly from MBNA!! Everyone else was really great and just accepted it. Anyway…
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Newbie - need CC advice on what to do
Hi all, Tarrawack
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Going on IVA after 2 years on a DMP - any downside?
I have been on a debt management plan for almost 2 years and whilst this has given me control over finances again and I have always viewed it as positive, I am seriously considering an IVA as a better option. I wondered if anyone had any experiences that could shed any light on whether I am missing something obvious - any…
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Am I living by my means? + how does my debt vs earnings look
A couple of threads i've read recently have spurred me onto posting my excel profit and loss calculator. I think i've covered all my costs per month here. 1. Am i living by my means? 2. How does the amount i'm paying off my debt look compared to what I allow myself in the "variable luxury" 3. Overall any comments on the…
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How do Brighthouse take their items back?
In the next few weeks I will be applying for a Debt Relief Order. Because of this my laptop which I have from Brighthouse will be taken back and the agreement with them will be cancelled by the people that do the DRO as I am not allowed to have any goods worth over £300. I got the laptop early Feb and have paid it since…
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DCA chasing over 6yr old debt
Hi, Yes i am new to this but am in need of some advice about an old debt.I recived a letter from a "DCA" who are looking for payment for a debt which they told me was over 6 years old.Am i right in saying that if its over 6 years old it is "statute Barred" and they cannot demand it. I really do not know what to do they are…
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Threat of CCJ
Can I be issued with a CCJ when I'm offering a debt collector £20 a month for a £100 debt?
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Rockwell Debt Collection Agency
Hi all, I need some advice on a letter that i received from Rockwell Debt Collection. I received a letter stating that i owed them £1100.00 on behalf of there client Fairmile partnerships. I acknowledged the debt in writing and advised them that i was liable for the debt as i got confused what debt this was for as i am in…
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It all goes to pot at the weekend!!!
hello! 1st post on MSE:j I have been reading the forums on this site for quite some time now, and have learnt a lot about budgetting and got loads of recipes from the Old style people. My problem is that however good I am during the week, by the weekend; when DH is home from work all my efforts go out of the window and…
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aktiv kapital- who are they?
hello, I have a debt with egg card which I have an arrangement with to pay £1 token payment a month due to current financial circumstances. I have maintained the payment but today received a letter from aktiv kapital saying they have purchased the debt from egg and to call them to make an arrangement to pay the balance.…
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Telemessage - Council tax
So today a letter has been received for the remaining council tax of £418.79. This place is HA and the named tenant spends most of hertime at her boyfriends (long story) she pays the CT. We had a letter a while back (can't find it now) stating £23 was left to pay for 2009/10 s0 I paid £25. We got CT reminders for £84 for…
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Full & Final settlement advice
Basically my Dad has offered me a lifeline, in that he has given me a lump sum to offer f&Fto all my creditors. I have already CCA'd them, all of which have either not been able to provide CCA or have provided dodgy application forms with various elements missing therefore rendering them unenforceable, on all but 3 I have…
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welcome finance help required
i have a secured loan from 2005 with welcome finance with i got into arrears with and they came up with the option of rewriting the loan to make it more affordable and to make it so there was no arrears therefore no additional interest and they also said they were going to freeze the interest on my account. then on new…
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Unsure on CCJ???
Hello people, Hope this is the right place to post this... 'The High Court Sheriffs Office' sent a bailiff round to my house a few weeks ago claiming I'd defaulted on a CCJ for unpaid rent on my old house. I dont remember a CCJ ever being made for this debt (which they say went through court October 09) so I applied for a…
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Banging my head against a brick wall
That is exactly how I feel with Blackhorse! I have posted on these forums before about my frustations with them and the saga just continues, but my problems have escalated with them because they are taking us to court tomorrow for repossession of our home. We have a loan with them which is secured on our house. My husband…
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Really need help
I would love to say this is my first post but i must admit i got this far a few months back but then resulted in doing nothing. My debt is now really worrying me, I have 2 children who need looking after now so we have to sort ourselves out for their future and our own. My husband is great and is fully aware of our debts…
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Address needed please
Hi All I am wondering if anybody can help, i am entering a DMP with CCCS, and really need a address for Cashchoice payday company, i have searched their website, and cant find anything Thanks
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Need cheering up - help finding an old thread?
I know that once peeps find this board as DFW's they stay on after their DFD to help. I need a good laugh - can someone direct me to an Oooollllllldddd thread please. It was the one where the guy wrote all his responses to DCA calls in a script format. I'm not having a DCA crisis I have just hit the wall today and need to…
