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Any rights to support from departing partner
Hi, just joined this site and all very new to me. Wondered if anyone can advise or offer any useful comments. My partner has admitted to having an affair when I discovered whilst he's away on his weekly "business trip" that he had cleared out precious collections of his from loft, cupboards etc. After further investigation…
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Legal proceedings - given 2 weeks to up my payment or else
I need advice. Have been on a DMP for almost 2 years (and about to go to IVA). One creditor, MBNA has got solicitors involved. MBNA accepted my DMP payments for Year 1 but not Year 2 and it's only recently they said it will go into default status as they were not ok with the reduced payments they have been getting in Yr 2…
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Got 5 mins to help MSE test new tool?
Thanks! Full details are here: https://forums.moneysavingexpert.com/discussion/comment/34575633#Comment_34575633 (reply in that thread please) Ta, Dan
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Advice Please
Hi all, I have a question about my fiance`s finances... She has been on a debt management plan with Payplan for about 1 year. They really helped her out when here finaces were in a dire straight and have given her some breathing room. Recently she has a phone call with one of their advisers to check how long she would be…
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Please help - Philips Bailiffs
Hi i have a distress warrant for £225 for a fina i fell behind on. i made an arrangement but then i lost my job, and fell behind with it. I have been on the phone to them and they have informed me that they will be attending to force their way into my house with a locksmith or the police as it is a court fine and there is…
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Advice wanted desperately please folks!
Afternoon all First time posting on here and after some advice on what is quickly making my life a misery.. 3 years (Oct 07) ago I took a debt management plan on with Advanced Debt Solutions for the sum of £24,000. I have been paying £320 each and every month without fail for that time. I was aware that I would be paying…
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Debt collectors looking for housemate
I live in a shared house and keep getting what I think are debt collectors/debt management reps turning up at my door looking for my housemate. The latest one was from a company called Resolve Call - anyone know anything about them? The thing is, I don't see that my housemate's debts or otherwise are any of my business and…
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HFC Bank, unlawful default? URGENT ADVICE NEEDED
Hi everyone, Please could you have the patience to read this and please bear with me, I am in so much distress.... We have just sold our house and when we visited Natwest for what we thought was a staight forward margage change over had turned into a nightmare. When we moved into our current house 2 years ago my husband…
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unenforceable credit agreements question
Hi All, Fairly new poster, long time lurker. I didnt want to just jump right into the other thread as nobody there knows me and didnt want you all to think I was being rude. I have two questions First one being once a debt has been sold on to a collection company (that being capquest) can you still send off the template…
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Soa
Household Information Number of adults in household........... 1 Number of children in household......... 2 Number of cars owned.................... 0 Monthly Income Details Monthly income after tax................ 1035 Partners monthly income after tax....... 0 Benefits................................ 1000 Other…
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Old Nationwide account not showing as Satisfied
Hi, A few years back when I was an intern I got into a pickle with a direct debit with Nationwide. Long story short, I switched to Citibank after Nationwide wouldn't give me a debit card and cancelled my DDs etc but a few months after I stopped using the account one was reactivated and had been racking up overdrawn…
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BCA Book Collectors Editions No Idea!
Morning! Another day, another problem! Months ago, before I understood the CCA request stuff, I sent a CCA request to BCA, as after looking at my debts, what I'm paying, what I owe etc., I discovered I'd been paying £4.99 a month to BCA for over a year and couldn't work out why! I sent the CCA to see a signed agreement…
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sample bailiff letter
Hello All Not really sure where I should post this. I have received many letters from a Court Appointed bailiff regarding a debt which belongs to someone who no longer lives at this address. They have been to the house, but on both occasions I have not been in so have not met them. I have spoken to the bailiff concerned…
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problems with Next
Hi everyone I owe next £1100 due to reduction of hours at work am no longer able to pay the minimum payment they have been sending letters for a while now threatening DCA so sent e-mail offering £35 a month as this is all I can afford only work part-time but they are rejecting this offer where can i go from here Thanks Mic
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Friday 9th 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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F-f-f-f-fabby Friday 9th Daily Chat
Morning Up early today coz I is a bit excited :T Today I shall be mostly going to work and then coming home to pack. The Met Office have issued a hot weather warning so take care in the sun everyone. Laters potatoes........
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soa - help please
Household Information[/b] Number of adults in household........... 1 Number of children in household......... 1 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1700 Partners monthly income after tax....... 0 Benefits................................ 100 Other…
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Incorrect Credit Default Dates
I thought I was out of the woods, having been living within my means for years but on checking my report after trying to obtain credit it turns out defaults which I incurred in 2005 were only registered in 2007. This is on 3 accounts, all defaulted in 2005: One account I paid a partial settlement and that shows: agreed and…
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My Situation - My Debt Free Plan ?
Hi, First time posting on here so hopefully I'm ok asking for a bit advice. A brief overview of my current financial situation: Personal Loans - £8k - 12%APR 6 years 3 years remaining Credit Card £3k - 19% APR -Never gets pied off Car Finance - £4.5k -8% APR - 3 Years with 2 years remaining I have a modest income and the…
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How long should I wait to hear from them?!
This Vanquis business is driving me crazy! Ive made a few threads this week regarding it. Last Friday i wrote to them asking them to accept token payments. Theyre still calling me, Im not gonna answer it but in the space of 15 minutes this afternoon I had a email, phone call & text from them and its just getting too much!…
