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LCS Solicitors letter
New thread as advised, Hi all Got letters from 1st Direct and now a letter today from LCS Solicitors this is an old Dept about 5 years from HFC bank Ltd for £616. I not responded to any letters i have had over the last 5 years and no longer own a house was passed to X wife in devorse, I have nothing i own to give them and…
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Debt calls for previous occupier
Hi all We bought our house at end of March and ever since then, we've been getting mail for the previous occupier (he was a tenant at the time). Today, I had a text sent to my house phone which said "This is a message for <name> We cannot hold off on this any longer, please call us on 0844..." etc. They are these guys and…
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Statutort Demand Dismissed??????
Hi My partner has just had a letter from the courts stating that the application to set aside the stautory demand has been dismissed and that he should pay the costs of £99.88 First of all what does that mean dismissed and also he is on a minimum wage and for the next two weeks his place of work is shut down and he will…
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Postgraduate on part-time wage, advice required please!
Hi everyone! I'm new, so please forgive me if I make any mistakes. I've completed a SOA, but I should make these additional points. My income fluctuates, so I took the amounts after tax off my P60 and divided by 12. I work part time in a shop, contracted for 12 hours at £6.04 p/h. However, my average is 20 hours, including…
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Help with debt
Hi My girlfriend has got a lot of debt (utilities all of them) from when she lived on her own before she went to University. She wants to start paying them back now and has arranged payment plans with most of them. The original debt though has gone up by a lot with interest payments. Obviously being a student funds are…
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SOA for single person on ESA
This person is depressed etc. He is a sterotypical benerfit claimant never paid the gas, electric or internet. Claimed all the crisis loans, benefit funds possible as well as a loan from providence! He mother is worried about him (they are both alocohlics) sorry you don't complain about having no money then say 'I'm going…
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F&F settlement with loan
Hi folks, I am currently on a DMP with CCCS, my partner has offered to take out a loan to enable me to make Full and final settlement offers to my creditors and then we can work together to pay off the loan she takes out. Has anyone any thoughts or advice on doing this or has anyone done it in the same way. Any advice…
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Could you please advise, what if anything, I could do to reclaim these charges.
THE RECLAIM CHARGES BOARD DOES NOT SEEM VERY WELL POPULATED SO AM TRYING MY LUCK HERE :) Hi there, so the situation is my son of 20 who moved out into a house of trouser got into a little bit of a sticky situation with cash. He opened all his finances upto me and I was able to figure out what he owed out to various people…
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thanks to all
Posted in BR section and have spoken to national debtline who have been great. Long story short was on DMP, got into more debt with payday loans and provident, I know not proud of it either but finally faced up to it and created a new and honest SOA which we can live on and now just await the paperwork etc to start afresh.…
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unenforceability
Good Afternoon, Me and a friend were trying to make some of her debts unenforcable. She has sent off the cca request to all of her creditors. One of the debts (catalogue debt) was sold to dca just before she sent the letters, so it was sent to the dca and they got back to her to say the letter was forwarded to the original…
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How do I cancel Equifax??
Hiya ......... I got a copy of my credit file on one of those 30 day free trial things with Equifax ... but now I can't find on their site how to cancel it before they start taking payment (only did it last week so have plenty of time, just don't want to leave it til the last minute). Anyone else done this and then…
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info for daughter - collecting debt
my daughter has a paper round working directly for a distributor. Recently she has been given the job of collecting the money from her clients which has been ok but some came with quite high debts. She visits them each three times a week to try and get the money when she is delivering the papers but they are not always in…
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CCJ 'settled' on one credit report
I recently got my credit reports from Experian and Equifax. There is a CCJ against my name for a supposed overpayment of salary from years ago. I've always disputed that i owed the money and as far as i'm concerned i was paid what was owed to me when i left that job and no more. The company have yet to provide adequate…
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Compensation for default wrongly registered on credit file?
I posted a few weeks ago asking for some advice because I'd received a letter from London Scottish chasing a defaulted sum of over £17k, for a loan secured on a property that was sold in August 2007. The letter came as a shock because I thought the loan was repaid when the house was sold, and had never received…
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Does anyone have a email address?
I am in a DMP with CCCS, and i have received a text message from Cornwall Collections asking me to contact them with regards to money i owe to Cash Choice, does anyone have an email address for them please?
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nearly 10% on interest
hi firstly i appologise if this is in wrong place !!!! i have had a ikea store card for over a yr now at 18.8% variable and have just recieved a letter this morning saying as of 1 st aug the interest is going up to 27.5% in t+c is says if the change is to your disadvantage , we will tell you about it upto 30 days before we…
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Defaulted Loan still showing as Default? Is this correct?
Hi I'm hoping somebody can give me some advice. My partner had a loan that he defaulted on back in 2005 and it was passed to a debt management company. He paid it back via a payment plan they set up and fully settled the loan. We recently got his credit report from equifax (after his mortgage app was declined), and the…
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It Never Ends!
Not sure if this is the right place to post this but I need to rant (nowhere near as much I needed to last night!) Got a text from old housemate (I moved out last Saturday) saying we had a final bill for around £150 for water and gas (bear in mind I set up direct debits but apparently that only covered last years not…
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Allied International Credit.
Hi all, A yellow card arrived today from AIC. It is addressed to a man who lived here two years ago or more. We have tried to get him or his (now ex) wife to come and collect their post since Febuary, but now they've split the woman is no longer interested, since it is all in the man's name and we have no way of contacting…
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My SOA and plan
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1200 Partners monthly income after tax....... 0…
