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HELP - CCJ Notice
Hi All, Looking for some help here as i am in serious trouble :( Over the last few years i have accumulated quite a lot of debts though Personal Loans at very high rates and Payday companies. I have been an idiot for past 3 months and have not paid them. However, now i have taken the right steps and contacting each one of…
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Help with creditors
Hi all, Hopefully someone will be able to give me an answer to a problem we are having. A few years ago me and my partner took out a few loans (10k and 9k) and have paid back the payments no problem until we moved in together at the end of last year, she also lost hours at work so we have less money each money than we did…
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SOA please help
Hope i've done this right but really need some advice on how to cut this down, any questions please ask away thanks Household Information[/b] Number of adults in household........... 2 Number of children in household......... 3 Number of cars owned.................... 1 Monthly Income Details Monthly income after…
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Statute barred debts and the Limitation Acts
Statute Barred debts. A debt will be "Statute Barred" if there has been no acknowledgement of the debt by you making a payment or in writing within the relevant limitation period. The debt would then be legally UNENFORCEABLE. UPDATE 2019 : I'm posting this important Court of Appeal judgment since it impacts on the legal…
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Is there anyone who can advise ?
Good Morning guys I'm billy i'm 30 and live in scotland and two years ago i split from my wife we were strugling with our morgage and i had a serious accident we went our seprete ways in june and when i was able to fuction properlly i contacted my morgage provider who informed me that they had repossed the propety and that…
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Mackenzie Hall
Hi all new guy here, I received some excellent advice a while ago about those parasites "mac h" and a previous company "red debt". To cut a long story short, my wife has received another letter off "mac h" with certain other documents to support "their" claim of her debt. Now their is nowhere it says how much she owes…
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Banks not playing by the rules...
Hi guys... I owe Natwest a rather large (+/-£1000) amount of money which has been referred to a collections agency, more-so Triton Credit Services. Whilst this debt has been referred I have received very little communication from the company. I understand that under the CCA 1974 a creditor (or its agency) must send me a…
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Defaulted account + credit rating + statute of limitations?
My OH and I checked his credit file last night- everything is fine except from one account showing as defaulted. We knew about this and he arranged a payment plan with the debt collection agency it had been passed to earlier this year. The credit file shows that he defaulted in 2005- does this mean that next year it will…
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need some help on a dmp but have other troubles
A v long story but the shortened version is that when we sold our house last year we did it through a private sale, the guy who bought the house contacted me off Gumtree to say could he come around & have a look, we were selling through halifax at the time. Anyhoo he bought the house & halifax started demanding their…
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Default
Hi Everybody, Can anybody tell me how long you can be behind in payments for a company/bank to issue a default ? Very upset neighbour is looking for advice. Thanks
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Incorrect Information on Debt
Hi All, I am helping a friend sort out his debts. He is currently in a DMP with Hamilton Locke which I have said he needs to get out of. In the three years he has been with them he has paid them over £1300 and still has another three years to go! :eek: I found out it is free to leave the DMP so I contacted his creditors to…
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Threatening letter
I have been in a mess recently and buried my head in the sand regarding my debts which im sure most of us have done but know we shouldnt. I have just secured a new job after being out of work for quite a while and am wanting to sort this out now as its keeping me awake at night. I have a letter yesterday from HL Legal…
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Please help may not be able to do DMP
Hi I had a briliant day yesterday. I spoke to CCCS about setting up a DMP, I spoke to my husband and came clean about debts. All was good. A DMP is my only option as I cannot afford to make my payments this month, it has all just got too much. The DMP would be in my name only and cannot affect my husband as his business…
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****Tempting Tuesday Daily Chat 20 July****
Good Morning and welcome to another day :) It is quite close here and I have a 4.5ish hour round trip today for work - drive all the way away for a meeting then all the way home again! Off to get ready in a bit. Hope you all have a good day.
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Should I to interest only on mortgage in order to pay off credit card?
Hi everyone Really hoping to get some advice from forum members on this! I have £5k on a credit card on interest only (tarting again in Nov) and am currently overpaying my mortgage by £200 a month. Thinking of going back to interest only on my mortgage repayments to free up some extra cash to clear the credit card - the…
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Tuesday 20th July - 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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My debts
I really want to get rid of all smaller debts on my dmp. At the moment I have: Lloyds loan £4600 (the big one) Lloyds overdraft £1400 Vodafone £380 Eon £300 Barclaycard £410 Think that's it..... Oh and £185 Halifax cc. My credit rating is shot to pieces, and I'm desperate to get it sorted !! My plan at the moment is to get…
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Allied International Credit - please help me!!
I recieved a yellow card from AIC in the post this morning and after googling the company and reading various forum threads, i am now terrified to call them. The debt was created by £650 worth of charges built up on a Natwest account opened back in 2005. It was passed to Triton with which i had a £20 per month repayment…
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help -wanted
48k unsec debt - 2 seperate credit cards (£7.5k paying £175 p/m @ 25% apr, and £9.8k paying £161 p/m @ about 22%) unsec loan over 10 yrs pying £250 p/m -borrowed £19.2K -balance £28k. £2k overdraft small loan for £750 for a IT course. My cards have been Hicked from 19% by about 4% since april 2010. Just been declined a…
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My head is going to explode
Hi, I'm in a vast amount of debt beyond belief and all of my own doing, so I'm not expecting sympathy I just need some advice please. I owe £45,000 on a house I just walked out of with just my clothes and a few personal possesions. (I could pay the mortgage and my bills) but for reasons I can't even understand myself, I…
