Debt-free wannabe

Discussion List

• Email address for Fairfax Solicitors?

  Does anyone know if Fairfax Solicitors in Leeds have an email address? I have tried contacting them via there website & it just comes back with "server error" all the time. I am itching to tell these rogues just what is what as they seem to be a law unto themselves and dont understand the principle of "account is dispute"…

• Stop smoking

  Hi all i was wondering if anybody has had laser therapy to help them stop smoking! if so does it work? cheers jamesy

• Please help/direct me on how to get started: Communicating with Creditors

  Hi everyone, I have some debt spread around and up until this point I've been scraping by paying either minimum repayments - or close to it. Unfortunately due to personal circumstances I no longer have income from my two part time jobs and therefore will be on basic benefits £51 a week or there abouts. I'm really worried…

• Advice please....

  I have received a letter from Rockwell Debt Collectors, collecting a debt for car finance. I think it was from about 8/9 years ago. This debt hasn't shown up in 2 previous credit checks. I have sent them a letter asking for copy of the credit agreement etc. Starting to wish I had denied all knowledge. Where do I stand and…

• Debt still growing

  I have a halifax CC debt which has been passed onto to a DCA. Every month they are adding interest on. Is there a way of stopping this? I thought they stopped doing this when in default.

• affect on credit rating

  Hi All I have a hire purchase agreement on my car which i bought in jan 2008. i missed a couple of payments in 2009 as i entered a difficult period financially. I missed payments for a few things aroudn this time. i sorted myself out and have paid more than the minimum payment since and the agreement will be settled on the…

• Debt recording after 6 years...

  Hi All, I am not sure if I have this in the correct place but I would like some advice. I had a loan with the Ulster Bank (Northern Ireland) and had defaulted and it went to a recovery company whom I set a direct debit up with. The direct debit stopped being collected and I never thought anything more of it. I opened a new…

• Don't Want To Get Into Debt... Advice???

  Hi! I was just wondering if any of you could help me and give me some excellent advice. I am a full-time student (trying to better my career prospects) and a mum of two, one aged 2, one just born. My husband earns £15,000 and we have the issue of not earning enough to cover our bills. Rent - £625 per month Water, Gas,…

• NDL - info needed please.

  Hi Me and hubby are just about to send in our completed budget sheet to National Debtline as we are applying for DRO's separately. My income is made up from benefits and we have Council Tax and Housing benefit as well. Hubbys income is made up of a seasonal job which fuctuates and is not a stable income and his Self…

• Hammer the bully boy/Debt collectors

  http://www.thisismoney.co.uk/news/opinion/article.html?in_article_id=506857&in_page_id=19&in_author_id=6 Companies which harass innocent people will always make me see red. When sick, elderly people are being threatened by a debt firm which can't even be bothered to answer their letters, then that anger is all the greater.…

• Best route to take/

  i live in a house and have no personnel debts. Nearby flat tenant(just moved in) with similar address has erroneously changed my electricity supplier and purchased goods using my address,she has ignored being notified of my address being used. (Brit.Gas refuses to return supply in my name).it has come to light that…

• Solicitors lieing !!!!

  Hi everyone.,.. I dont really know where im supposed to enter this thread so please forgive me for its appearance just here...:( Im in a panic and really dont understand what i should do... My father passed away in December last year and i took in my siblings... We got a solicitor to help us with the barrage of things…

• LLoyds will not listen!!!

  I need your advice please, i am currently arranging a DMP with LLoyds TSB, in total i have 2 current accounts and 2 credit cards. I have had notification from CCCS that LLoyds have refused the offer on the smallest current account. They have accepted all the others, i have written to Lloyds 3 time, explaining i cant offer…

• Default on credit report

  Just a bit of background into this the debt is with black horse, which was recorded as ccj on the defaulted date 29.11.07 started 13.12.01 Default Balance £3541.00 current balance £4329.00 defaulted on 29.11.07 (which was last payment) and they have just updated this on 6.6.2010 and now i have a default on credit file as…

• Unenforceable Debt legislation

  I have been approached by a company who say that some of my debts may be "unenforceable". For an upfront fee of £99 they will look into it for me. As ever, I am dubious about things looking too good to be true. But is there anything in the doctrine of "Unenforceable debt"? And if so, what is the criteria for making it so.…

• Inherited Debts whilst bankrupt

  Hello, i have recently become a widow and keep getting debt letters from companies in my wifes name. I am currently declared bankrupt until 30/06/10 and as a single unemployed parent i just cannot afford to pay these people, please can anybody help me please as i was just looking forward to being debt free myself, but now…

• Thurs 24th June*I want to be watching Wimbldon* daily chat

  morning peeps!! Who will be watching the rest of the Mahut/Istner match? I'm stuck at work!!:(

• Felt Suicidal

  Hiya guys. I am so stressed about what to do, regarding my debts, it's untrue. Last night, I told my Girlfriend everything, after getting back from the CAB. She's been a star, but I lay awake most of last night, struggling with some very dark thoughts. Having been to discuss things with a very helpful lady, at the CAB…

• baliff letter

  Hi my partner got a baliff letter sent to the wrong address yesterday..luckily we were given it be the person who received it!1 It is for an old CCj we missed last months payment. The letter said advising a PRE BALIFF VISIT ETC WARNING, my partner phoned the number up of the baliff and she agreed to wait for the charge…

• halifax debt passed on

  Hi I am with CCCS and have never missed a payment , yesterday I recieved a letter from a firm of solicitors in Leeds I think it was Fairchild saying my debt had been passed to them , has this happened to anyone else G