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SOA.....We are in trouble!!
I've attached my SOA, it is an up to date one, as circumstances changed or rather got worse!!! (and I didnt think they actually could!!) I have spoken to CCCS and National Debtline who have all been absolutely wonderful and soo kind! But it is seeming like our only option is ...........bankruptcy!:eek: which I just DO NOT…
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needs advice about Bryan Carter and co
hi, i got a letter from this bryan carter and co claiming i owe them money from a company called Lowell finance, there saying its from an Abbey national bank account i had in 2003 i have heard nothing from this company or the bank until early this year, i had a joint account with my ex partner but i never used it after…
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Help! DMP and being a charity trustee
Wondering if someone could help me. It says in guidance from the charity commission that you cannot be a trustee is you have made a composition or arrangement with creditors. I was wondering if anyone could tell me if this includes being on a DMP? If it does prevent this I wondered if I could ask some advice? We have a…
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I have nothing and in bad debt need honest advice!
Hi All This is my first post, so please be kind. Over the last few years I have racked up debts of around 18k on credit cards, overdraft and loans. I have racked up these debts while trying to become self employed fitting bathrooms, which hasn't worked and I have basically used the cards and credit cards to live on while I…
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Can someone pleae explain LEVY (Bailiff)
Sorry if I've barged in but I'm not very good on these forum thingys so if I'm in the wrong place maybe somebody could help me..Please!! This is a bailiff problem but a little history first. The company where I had worked for eight years was taken over by a liquidation firm. They said I'd been identified as somebody worth…
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payplan woes!!
Hi all, following on from my email last week about payplan taking ages to distribute my payment that leaves my account on the 2nd. I yesterday received a bank statement from MBNA not happy that they hadnt received a payment this month. MBNA have been v good so far & frozen all interest but i want to keep them sweet as they…
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Official complaint - re LLoyds
Hi I need to put an official complaint in writing to Lloyds , Who should I address it to please
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What to do next
Hi Been reading lots of posts on here but wanted to explain my situation and see if anyone could help! Basically I've got myself into quite a bit of debt - about £2500 £700 of this is for payday loans, £300 with Wonga, £300 with Payday Express and £100 with Payday UK. I also owe £200 on a store card which is now defaulted…
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Not alot but really want to get it sorted
Hello everyone My name is Kat and I have been in debt before to the tune of £25K but managed, with alot of hard work and a second job, to get debt free and my life sorted. I have my own place now and live on my own, I am loving the freedom. My problem is I got a credit card to help repair my credit rating and am now…
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CCJ £5k, I knew nothing about, please help!!!!
I am in a total mess... I was about to get a mortgage for my partner and I, so got a copy of my credit file to ensure everything was ok. To my horror, there as a CCJ on it for £5,661. This was a credit union loan my mum (with my consent) got in my name to help with our family business. The business failed and she went…
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Confidential letter at work..
Ohhh i'm scared!!! Luckily they haven't opened it, it's waiting in the safe for me at work. Would debt collectors/creditors write to me at work? I've had phone calls months ago where i've answered and said that they have the wrong number..... It could be Halifax? :( Anyone had this before? x
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CCJ Help/Advice Please?! x
Hi everyone I am new on here so bear with me :) I am 23, and had a CCJ issued against me when I was 18. Unfortunately I was born into a family with rather bad money-management skills, and my understanding wasn't the best! The situation was that I was taking driving lessons, and cancelled one due to an extra college lesson…
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Credit Report & Number of Accounts Query...
I've just read through the article on the main page about credit "scores" and reports. I got mine from Equifax back in March, and corrected one account which was marked as "defaulted" but was actually settled back in 2007. I have gone through it again and there are other accounts that I don't use that I could get closed…
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joint bank account, unauthorised overdraft
bit complicated. my wife is on a dmp with about £6000 of debt, nothing too major i know, but its ruining my credit rating because we had a joint bank account which incurred LOADS of charges and is now £1300 overdrawn. i really want to take my name off this account, purely for the fact of mortgage reasons in a few years,…
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Can They Do This
When I did my online banking this morning I discovered an unauthorised payment had gone out in cash. I phoned the bank immediately to find out where this money had gone and found that a debt recovery company had taken it for my credit card arrears. I am surviving solely on benefits at the moment after having my baby in…
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Selling Property to clear DMP - Good Idea or not?
Hi all I wonder if you could give me any advice on a possible plan I've come up with. I have a DMP with around £65k owed on it .... my current mortgage is also around £65k! Next door sold their house in January for £120,000. My parents are down-sizing in a year or so and have told my brother and I that we get £25k each…
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Help Completing County Court Defence Forms Please :)
Morning all :) OK I have been served witha county court claim from Northampton, I acknowledged the claim online to give me a bit of breathing space to defend part of the claim, I have just started the process of filling the form in online and could do with a bit of advice :) I am on the income page, now the claim is in my…
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Im bogged under here, where do I start?
Ok I guess I should introduce myself....im a plonker when it comes to money and need to shape up FAST! Everything seems to have happened all at once and I really dont know what to do. I have a summons for court on wednesday as my rent is £1000+ in arrears. I have been on sick leave from work and only getting min pay. I…
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Paying off debts
Hiya I have been reading with interest various comments on how to raise money which could then be used to pay off a few debts and noticed that E-Bay has been mentioned a few times. Can anyone advise me what can be sold on E-Bay, What price would get charged and how do you get the money from it. I thought about selling my…
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CCJ 'overpaid' salary need help
I'm new to this forum so apologies if this is a bit long, I've had a bit of a look around the forum and read a few threads, i still don't understand a lot of the acronyms people are using so please bear this in mind if you would like to respond or ask me anything. I worked for Marks and Spencer a few years ago, the store i…
