-
So confused what Debt Action to take
Hi newbie here, I have learnt a very hard lesson to only support myself and son and not a partner or friends (sounds awful i know). My history I split from my ex (I was the main breadwinner) in 2007 we had a joint mortgage and a 7 month old I also loaned him 7k to pay off his debts at this time I only had my student loan…
-
Help with cca
Hi Guys, Just a quick one. I sent Debt Managers Ltd a CCA request and included the £1 postal order etc. I've recieved a letter back off them advising as a result of my letter they have now closed there file and sent it back to Next Directory and no further action will be taken by them. Does this mean that if Debt Managers…
-
Want to be debt free - Barclays RANT
Me and my dh sent letters to all our creditors 2 weeks ago, along with a financial statement indication our current financial issues (him out of work, and we are struggling, BIG time). Everyone has come back in agreement, apart from Barclays. I have tried to get through to them since Monday, each time getting through to a…
-
Marston Bailiffs Important Notice
Hey everyone, Just came home to find an "important notice" from Marston bailiffs, it says that they attended my house at 12.20 to remove goods for sale. it says the client is HMCS Norfolk and i owe them £585. pcn / Fines £310 admin fees £75 Attendance Costs £200 I live with my parents and I am on Job seekers allowance and…
-
Want to be the first to try the new look MSE forum?
Then go here https://forums.moneysavingexpert.com/discussion/comment/32584289#Comment_32584289 Martin (and pls feedback there too)
-
bristow and sutor stress!!!!!!!!
hi everyone im new to this and wanting some urgent advised. Heres my story, i owed council just over £700 for outstanding council tx arrears. Bristow and sutor have visited on many ocassions but nevereen allowed in to property. first time i agreed to pay £160 a month in order to clear debt ths was accepted fine over the…
-
credit card debts - need help to break minimum repayment trap
Hello everyone, I'm new here and to sum it up I'm at my wit's end. I've always been very careful with money, never even had a mobile phone on contract let alone loans or credit cards, unfortunately the same can't be said for my partner. We've been together for 6 years now and during that time his debt has snowballed from…
-
setting up a dmp
Hi I am looking to set up a dmp but am abit worried about the time it would take to set one up I have spoke to Baines and Ernst and they will do it as soon as they receive the first 2 months payments but have warned me I should expect a lot of calls over the first 2 months (don’t mind this just worried about them calling…
-
Please help Equita baliffs are making my life hell
Can anyone please help/advise me. I have an unpaid parking ticket. after a battle with the local council which got me nowhere i received a baliff removal notice (hand delivered). i phoned them and they told me that i had an order from northampton county court.( I have never received this letter) the baliff got rather rude…
-
Notice of Legal Proceedings Letter
I have recieved a letter from a company called Creditlink (cars) headed up Notice of Legal Proceedings Letter as I had missed a minium monthly repayment to the credit card company called Monument in April. (£56) Over the last 6 months this has happened twice but I have always settled the following month. So I repaid the…
-
Two DCA's Chasing Same Alleged Debt!?
Hi, I have recieved today 2 letters threatening court procedings and charges on the same visa account. One from Wescot and the other from Moorcroft. Wescot have sent their in house solicitors letter damanding full payment and Moorcroft saying if I don't pay them £100 a month they will start legal proceedings!. They have…
-
Help Needed On CCA Request Response
Hi Guys, Just a quick one. I sent Debt Managers Ltd a CCA request and included the £1 postal order etc. I've recieved a letter back off them advising as a result of my letter they have now closed there file and sent it back to Next Directory and no further action will be taken by them. Does this mean that if Debt Managers…
-
Old Barclaycard debt
Hello! I'm new to the site but not to being in debt! I'm hoping someone can answer a few questions for me. I have an old Barclaycard debt which Fairfax solicitors are dealing with. I've asked for the CCA and they have sent me the application form I originaly signed. They said in the letter all they have to supply me with…
-
London scottish finance limited and Robinson way
Hello, I am new to this and haven't as yet had time to have a read of the boards. I have recieved a letter this morning from Robinson way making a formal demand for payment of £7,061.10 on behalf of London Scottish Finance. Me and my partner do not really know what this is for. 5 and a half years ago we bought a car from a…
-
zink recoveries?
Hi there I have been getting phone calls from a DCA called zink recoveries. They wont tell me what its about until I confirm my name, address and DOB, and having read loads on here I know not to do so. The last call was this morning and I was told that it is a debt from an old address (they told me which address!!). And…
-
Evading the issue - Capital One
I am trying to obtain the copy of the original signed credit card agreement. I have been sent a copy of the current agreement (no signature) which is surprising as the card was cancelled in 2005. I have also received a "Reconstituted" copy of the original agreement, again unsigned and a copy of my signature on the…
-
How can you do a weeks menu on £20 ?
I am single and am struggling to get my weekly food bill under £35 per week. I need to cover lunch at work aswell as I don't want to spend money unnecessarily. The only proviso is that I will not eat cheap meat or unethical eggs. Any menu help would be greatly appreciated.
-
Am I being realistic?
Hi, I'm new to all this so please bare with me... :) I, like many others in the country, have landed myself in a nice puddle of money madness. The green eyed monster took over me for a fair few years and credit was pouring in, so of course i took it (as i think any young 20 year old would?)... Obviously not worrying about…
-
Freaky Friday ~ Daily Chat 7th May 2010
Morning all Best nights sleep in a long time last night, I think a lengthly conversation yesterday with a much higher boss helped. Anyways I hope everyone has a fab day. All of you who are 'not quite right' or ill :grouphug: I hope everyone is looking forward to the weekend and everything goes to plan for you all today :D…
-
Friday 7th 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…
