-
Shop Direct Finance - Default
Hi I'm absolutely fuming this evening!!! I recently cleared the balance in full on my Shop Direct account - and then requested to close the account - which I received a letter from them to confirm. Having just checked my credit report this evening. They have marked the account as 'satisfied' and added a 'back dated'…
-
Bailiffs came today please help
I have posted before re my daughters debts. She lives with us after being evicted for rent arrears. her and BF are now being chased for 5 years of council tax and today the bailiff turned up for the first time. They are seeking adice but its all slow..they trying to gather all their debts and noone sems able to hel them…
-
'Statement of Affairs' - help find ways to cut back
Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 1,601.54 Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 1,083.33 State Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .…
-
Restons and CCJ
Hello to all, Im a new poster but long time lurker, was hoping someone could offer any input on this matter. Ihave just recieved a ccj for an MBNA credit card for £1997, the court has ordered i pay £31.00 per month,which is the amount i offered MBNA pro-rata which they refused then they passed the debt onto Restons who…
-
Yes Loans - PLEASE READ
Hi I am new to this site (brilliant - thank you ML), and therefore am sure there has already been debate on the pitfalls and being ripped off by Yes Loans. However, I feel compelled to warn as many people as possible and offer my support to those who have already fallen for their scam in good faith. I have always had an…
-
Point of no return
My husband and I are sinking in debt and it's not getting any better we have a 34k consolidated loan a 9k loan a 7k Loan a 5k loan 4 credit cards between us amounting to 5k plus a mortgage Plus childcare (6 weeks to for pay shortly) and our cars on its last legs Why the debt, well my husband has constantly been in and out…
-
Writ of Fi Fa Discharged but creditor still charging costs!!!
Hi People I wonder if anyone can help me. Basically I had a debt of about £2000 and a ccj issued against me. The creditor then had a Writ of Fi Fa issued against me and HCEOs got involved. I was paying the HCEO regular monthly payments. After about 2 years of making these payment and without warning I got another hand…
-
So annoyed & fed up with payplan- Is it easy to self manage?
Sorry this is a bit of a rant. From day 1 we have had problems with payplan. They didnt distribute out payment for 2 months & no one received anything. We sorted that out & the payment leaves our account on the 2nd & normally shows on the just a bank website on the 6 /7th of the month. For the past 2 months it hasnt been…
-
dmp
can anyone give me advice on a dmp company called harrington brooks.
-
County Court Claim Form - Help & Advice Required
Came home today to find a County Court Claim Form from Robinson Way Ltd. They are claiming that I agreed to payy a loan by instalments. How do I go about defending this, I had taken a loan out from Western trust in the mid 1990's that I paid off in full, however I have no paperwork to prove this. I moved to my current…
-
Fairfax Solicitors (again)
The latest stunt from these rogues is to tell someone who has put an account into dispute to "pay it 1st & dispute it afterwards" Did they really think i was gonna fall for that one? :rotfl: Oh well..more complaints to the authorities are on their way :)
-
Urgent Loan Required £3000 - £4000 Real bad Credit Pls Help....
MSE Official Insert: For the latest loans best buys read our Cheap Personal Loans guide. ---- Hi, I have seen certain posts of different people, who I am very similar. I am 25 and got myself in to some trouble (i.e. let my ex girlfriend have access to my bank account). I owe around £4675 to about 6 different parties. One…
-
Would really value some opinions and/or advice
We are in a DMP we have today received a default notice saying that the monthly installment for June has not been paid by out DMP company. I phoned the creditor who informed me the payment is turning up 8 days late every month, I have now looked deeper and am desperate to work out why the DMP is paying late (cant get a…
-
Is being overweight or obese a blessing when in debt?
I can see how it would be depressing, as there's nothing worse than looking in the mirror each day and having a negative view about the way you look. I know too well, it's all too easy to look in the mirror get depressed and go on a chocolate fest. However, it has got me thinking a little. If I go on a diet now, I should…
-
Just done something I so didn't want to do
Posted on here a few months ago about money problems. Contacted the national debt helpline and because on paper we are 'ok' money wise, we have to struggle through. Each month we live in our £2k overdraft and we have £5 left of it as of today. We are due £187 on sat but owe £50 back out and the rest will help pay for…
-
Talk Talk/Tiscali Debt???
Basically, I used to live my with parents and use the Tiscali internet service while I was there. When I moved out, approx May 08 I cancelled it, as I moved in with my partner. Since then I have moved in with her in a place of our own. When taking a look at the banking service, I spotted they were still billing me for the…
-
final notice
i have recieved a final notice letter this morning from yorkshire bank collections centre with a legal proceeding threat,i have sent them a letter previously with a £1 postal order, as a token payment ( recorded delivery) explaining i cannot pay my loan of £14,240 and am seeking help.i am on jobseekers allowance after…
-
Help and advice on my situation
Hi I’m looking for some advice on my situation and how to deal with my debts. I’ve been reading this forum for a long time and finally feel brave enough to ask for help. All of my unsecured debts are with debt collection agencies, they were originally credit cards that I stupidly ran up when I was 18 and carefree. The HP…
-
You will proberly laught at this
Hi all, I had a letter from the baliff in my brother name ( we same surname but 1st name diffrent) He never live with me (since i brought my flat) but i open it as wondering why he was using my address. I phoned the bailiff and they said he dosnt live here and how you get the idea he was living with me. He said they did…
-
Full and final settlement - all creditors or one by one?
Hi, I owe money to 10 creditors, £40k in total, and have been in a DMP with Payplan for around 8 months. At the rate I am paying I have 5 years to go. I may be able to offer f&fs to four of my creditors, thanks to a loan offer from my in-laws, and have read loads of fantastic advice on here about how to approach them…
