-
Help for a novice please
Hi All I have received a claim form from a county court about a debt to a DCA. I have been paying the DCA for some time and over the last 3 years they have steadily increased my monthly payment which I have been happy to agree to. The monthly amount got to £50 pm so I asked for a statement as the original debt was only…
-
Paying it off and credit files
Firstly, apologies if this is covered elsewhere or in the wrong place. In brief; I fell out with Capital One at the back end of last year over a sum of £350. They have passed it to their inhouse 'Debt Recovery' team, Debitas and have lodged a default on my credit file. I am paying off the debt now on a payment plan, and…
-
Debt and redundancy
I suppose the adage is 'I'm unique, just like everyone else' applieshere, but I hope some of this resonates with similar experiences people may have already observed or dealt with. In a nutshell - I have debts of £52,000. I am on a DMP (with CCCS) that accounts for my spare £469 per month. I am married (OH does not work)…
-
Moorcroft are lying thread- (post #35, they've conceeded haha... but I'm not done!)
I owe Orange £399.65 and I accept that to be correct. Then Moorcroft became involved and it's now £539.65, exactly £140 higher. I sent them a copy of the prove-it letter by recorded post on 16th June. I have today recoved thier reply dated 1st July. I have quoted the body of the letter below, the parts in bold are the…
-
HFO letter - advice needed!
Hi all, I've been working abroad for the past 3 years and heard virtually nothing from debt management companies during that time. I've had no contact with them for at least 5 years total since I stopped acknowledging them a couple of years before that. However, last week a letter from HFO Services turned up at my parents'…
-
Query re budget for DMP and IVA
Hi can anyone tell me is the budget for a DMP and IVA similar or is it more strict for an IVA?
-
£3900 into overdraft and need advice please .
Hi Guys Im in my overdraft to the tune of £3900 and my limit is 4500. Ive pintointed what my spending habits are and have found ways to reduce my outgoings . I tried to get a loan from sainsburies to consolidate my debts but got delclined . Whats the best way to come out of it , reduce my outgoings abd eventually be free…
-
Access to too much credit
Good afternoon all, I have done a credit check on myself and see that I have had around 19 credit accounts over the past 7 years or so (I am 27), loans x 3 (2 settled, 1 outstanding) and the rest credit cards/overdraft. To my recollection I have 1 Barclaycard credit card with £7k limit and £0.00 balance and 1 Tesco Credit…
-
Getting out of this mess - the ball starts rolling this week!
Hello all, Further to my first post previously, I am finally starting to pull myself together and get ready to start tackling and paying off my debts. The address on my Current Account with HSBC has finally been updated using my Mum's address as I do not currently have a permanent residence myself. As the address on my…
-
I'd like to be debt free after flat purchase! Pls Help!
Hi all, I'm not talking about my mortgage, rather the amount I have outstanding on a credit card. I only got the mortgage in November so my credit score seems to be a little low (not helped by new address and already the Post Office have changed my postcode). I can afford to pay at least the minimum monthly payment and…
-
Urgent question! Baliffs and property
My friend who lives with his wife isn't registered or a tenant of the house he's in. But Baliffs are on his back from a debt dating 8/9 years ago. In his defence, he said that none of the property can be taken as they do not belong to him and he isn't registered in that address. They then replied with that they can. Can…
-
I know I have already been on about this...
but I really want to get a letter away today to this ScotCall company so I can try and get some sleep tonight :( Someone kindly gave me a link for a letter to send them telling that I do not want anyone coming to my house but it quoted English Law. Is there a similar letter but for Scotland? Thanks to anyone who can help!…
-
Dont know what to do anymore!! masive debt of over 40k
Hi, I normally come on here just to read of other peoples experiences regarding debt and the advice they get. Im in such a mess atm and dont know which way to turn. its a long a story and its got near the end of the line and things just keep getting worse. I will try and be as brief as possible and apologise in advance.…
-
starting out - debt free wanabee
Here goes... this is my 1st time on the boards after months of reading up on everybody else's threads, i feel it's time to use all the tips i've picked up and start attacking my debts. they're not too considerable £1800 tesco cc £2000 halifax ccc 2 x loans which have bout 3k each left on them my goal is to be debt free by…
-
CCqueen's diary...sorry another one
Hi, I wanted to start my own diary on here as i read a lot of them and hope it will help motivate me and hopefully others too. Brief bit about me.....I am 31 at the end of this month and have debts for years that have yo yo'd during that time, seems to improve then something else happens to add to the debt pile. I am…
-
Letter from "Robinson Way" advice needed
Hi all Brief as I can be :) I rented a flat 9 or 10 years ago. One day I got a letter out of the blue demanding money on an unpaid debt for a credit card (think it was capital one or someone). I had never had a card and it was obviously a fraud case. They sent out a copy of the the transaction which was for a TV from Argos…
-
Pay down credit card or overpay mortgage..?
Ok, so have about 5k of credit card debt (currently on 0%) and have a mortgage currently sitting on SVR at 3.89. We have the means to pay down an extra 400-500 a month at the moment, soon to be more when my son starts school in September and I wonder, are we best to pay down the credit cards as quickly as possible or chuck…
-
Please help!!!!
I have entered an DMP with CCCS with regards to all my creditors, but i am receiving enforcement notices from LLoyds TSB, please could someone explain what these are? Thanks
-
Getting out of debt plan
Age: 26 Salary: £37,000 Credit Card Debt: £2500 Family Debt: £3000 Basically, I cocked up a balance transfer (a HSBC one from my virgin as I did not do it within 60 days). Now I try to get another card and every time I get rejected. I have done everything I can to improve my credit score but to no avail. Could it be that I…
-
Question RE: 6/7 debt cancellation
Hi, I get asked this a lot and there are a lot of opinions on this subject, I was just wondering if anyone could clarify this point. Do debts get wiped out after 6/7 years? Cheers
