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Quick final payment question
Hi all, i hope its ok to pop in and ask a quick one! I have an account that was passed to a debt collection agency after (long story as to why - she sighes)... Anyway I keep forgetting to pay on the agreed day and as I do now have the money pay this off ( I have been saving everything I can living old style) I am going to…
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Letter from Robinson Way Re 1993 Debt
I received a letter from RW recently, "for the purpose of validation, we believe you used to live at the address noted above (not my address nor at any I have ever lived at BTW) I rang them up and when asked I told them I had lived at my address since 1983 and the electoral register will confirm this, they think I owe…
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how do you and your partner budget?
weve been married 3 yrs and have always had seperate accounts, i paid my share of the bills and what was left was basically mine i assumed my husbands wages worked out the same way, he paid his agreed bills and anything left over was his - he just went halves on holidays, xmas, housey bits etc we never really discussed a…
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Car repossessed many years ago, creditor threatening us with bankruptcy
Around 6 years my partner and I had a car on finance from yes car credit. Last payment was september 10th 2004. We missed a few payments and within a few months it was repossessed. Since then the debt has been passed over to a company called Go Debt. Do we still owe the money for the car as Go Debt have managed to get hold…
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My Lloyds CC Default
I'm doing a LOT of reserach into default notices atm as I have 3 I feel should be removed from my credit report (amounts owed were in dispute at time of issue on all 3, plus 1 is recorded 2 years late, and there are faults with at least one of the default notices). I'm going after my Lloyds credit card one atm. 12/13…
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Im in a bit of bother
Hi everyone, this is my first post so go easy..:o Ok, the long and short of it.... Im a 29 year old man in rented property that owes about £12,000 to hsbc In augustr of last year i got made redundant from my job, it was quite well paid and came as a bit of a shock, I recieved a redundancy package from my employers, which…
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starting dmp payments
Hello everyone, I am about to send off my income & expenditure and debt details to payplan who I think take around 4 weeks to set everything up. What happens about payments when some creditors accept and some don't? If Payplan have calculated I can pay £700 per month, will I only pay part of this for the creditors that…
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Very, very scared and ashamed.... :-(
Hi all, Long time 'lurker', first time poster here. Apologies in advance for the long post, but it's to help me get my head round what's happening as well as letting you all know.. Ok...here goes: I realised last week that I couldn't carry on as I was as my outgoings were more than my income, so after reading what people…
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S R J Debt Recoveries (E.On)
Hi, Im posting about a problem my brother has, he was at a flat, where he had a pre-payment electric meter, then inbetween flats he moved into our mums and used her as a c/o address. He's now in his new place... A debt reocvery letter has turned up c/o mum from SRJ REcoveries regarding an E.On electrcity debt of £188.62…
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Productive day
I'm having a productive day. Lloyds have a agreed an afordable payment plan and have frozen the interest and charges on a 10k loan. A family member is loaning me some money to clear the rest up 1st credit have given me a good f&f settlement and are apparently sending it to me in writing. HSBC (who i've not spoken to in…
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Has a company ever claimed to owe you money back?
I have an interesting story. Many years ago I had a credit card (2k) and loan (5k) with a company then then consolidated both into one loan with the same company (7K). But as it is they messed it up and just gave me the (7k), to which I paid debts elsewhere which worked out better and paid the credit card in full and…
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Advice on AIC collecting debt of a previous occupier of my new property.
Hi all, Approx 12 months ago my Wife and I purchased a property that had been repossessed from its previous owner. The property was purchased by us from the bank. We went through an Estate Agent, (Reeds Rains) and used a solicitor for all conveyance. In the last month we have received 3 calls from our old friends Allied…
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What would happen if.....?
I froze my credit cards in a tupperware filled with water. Just I have cleared two of them, and only want to use them if it's absolutely neccessary. So to enforce some discipline on myself, I want to somehow make them harder to use. The idea is if I need to thaw them to use them, then it is more hassle using them than its…
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do i use savings to pay off 2 sub mortgages
Hi all, This is my first posting after frequently reading the threads on here.I would like some advice and opinions on the following scenario. currently have a £65k morgtgage with Woolwich, 9 years to run currently paying £630 per month on a current tracker interest rate of 1.19 %. 0.69 % over base, this is a lifetime…
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Aint life a kick in the teeth
Short story shorter or longer depending on your point of view. I was made redundant from a job I started in Feb 2008 last month and that meant a massive drop in the wages coming in but after speaking to the DWP etc thought I could manage"just" with JSA and hubbys wage ( full time for 17.5k per year) That should have been…
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Debt to Income Ratio
Firstly I know all debt is bad, but as you can see from my sig I am in a lot of debt, more than average on the forums. I also have an higher than average combined income £95000 before tax. What is a good debt to income ratio, mine is less than 50%. Is there a ball park figure like 3 times your income on buying a house.
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Reposessed 15-18 years ago
Thread Stats This will be a long one so apologies. My partner had his flat repossessed in the early 90's by Barclays. They sold it for less than he paid for it so he had been paying small amounts back (£10 per month) until April last year when we had a tough time. He did not have any remainders from Barclays until April…
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Advice needed
I am asking this on behalf of someone else, I am already on a debt management plan!! They are struggling at the moment and have been advised that they need to go on a debt managaement plan themselves. Now the problem being they have a disabled daughter who relies them to transport her for shopping etc in their car (she…
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Roxburghe Debt Collectors
Hi I recieved a letter the other day from Roxburghe demanding £1133.78 that was owed to Barclaycard I have never had a credit card in my life, i have never had any credit until the last two years when i finally got a mobile on contract. They are asking me to pay this immediately. I dont know what to do - how can i prove…
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Iqor - debt recovery - help please
I hope someone can help me with this. I have an outstanding overdraft with intelligent finance of just shy of £900 I have received letters from a company called Iqor and a solicitors acting on behalf of them. I have wrote to them offering a repayment of £50 per month. They have replied saying the account is now being…
