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General Form of Judgement or Order (application to vary is dismissed)
Hi, im after some help, im not sure where to post this. We currently go through a debt management plan and our creditors took use to court to obtain a CCJ. Our debt management company told us that there was no need for us to attend the local court and things would be sorted. The initial payment they ordered from the bulk…
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Reducing my debt repayments?
I have 4 creditors on my DMP, 3 of which have (finally) stopped interest and charges, thanks to template letters from here. My biggest debt is an unsecured loan with Northern Rock. I obtained all the paperwork (SAR) and am currently claiming back £800 of PPI payments, sent the letter yesterday. There are also £330 in…
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Court summons restons mbna. Help please.
Hi We have a DMP with CCCS from sept last year. Recently got a letter from Restons saying if not paid by aug 16th they would start proceedings. Rang them and explained were with CCCS and they just said will they send SOA by 16th Aug, I said they were sending it today (3rd July). I rang CCCS who transfered payments to…
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Help me - I don't know where to start :(
ok so I haven't used this forum in a while. I don't even know if this is the right place to be asking but I'm sure someone can move this to the right place if it's not? Basically I don't have a LOT of debt. but for me it's a lot!! I'm 21 and I have a son and another baby due in January. My partner earns just under £1000 a…
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Not our debt!
Hi, i'm not sure if you can help me or not, but we recently had my boyfriends brother come to stay with us when he split up with his wife. We let him stay in good faith despite knowing that in the past he's racked up loads of debt and that this was in fact the reason he split from him wife. he stopped with us for two…
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Interest charges on an interest free overdraft
Morning all, I appear to have been charged interest on my "interest free" arranged overdraft (student account with NatWest). A transaction has appeared dated the 23rd of August stating £0.32 interest had been paid out with no other detail. The previous balance had been £1,100.00 overdrawn. I'm planning on going into a…
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anyonae had ppi result from tesco?
Hi i would be interested to know if anyone has had ppi refund from tesco. I have not and i am appealing as their evidence is incorrect. Do they deam this closed now and do i persue this with them or finacial ombusman? Thanks:)
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help needed
It is the day after my 43rd birthday, and am now ready to grab the debt devil by the horns. my personal circumstances are as follows: .Normal {margin:0.0pt; margin-top:0.0pt; margin-bottom:0.0pt; margin-left:0.0pt; margin-right:0.0pt; text-indent:0.0pt; font-family:"Times New Roman"; font-size:10.0pt; color:Black;…
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Do I CCA request Wescot?
I sent CCA requests to my creditors on Monday as I have none of the original paperwork. On Tuesday the guy who usually collects for Scotcall shows up to find out why. Am I going bankrupt? No I say, I just want the paperwork. He says fine, he'll let them know. Today I received from Scotcall a letter (dated Wednesday)…
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**Weekend Chat 4&5 Sept - It may be grey outside but there's a warm welcome in here**
Good Morning DFWs :) The weekend is a good time to get some rest & do some sorting out. As we don't have Luc here setting us a challenge, how about: How might you spend less this weekend than you normally do? Why not post ideas and we can see what inspires us? I've got a parcel to collect, DH's car "needs" to go get new…
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Debtors taking DCA's to court?
I read with interest the thread about "DCA's taking to court"... So it got me thinking - are we seeing more instances of debtors taking DCA's to court? DCA's are powerless private companies at the end of the day & all they can do is threaten people for money. There were laws against that type of thing the last time i…
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Sat/Sun 4th/5th September - What small DFW things will you do today?
:D 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,…
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Money maximisation/clearing debt.
Hi, I need some advice, I have been putting in the overtime at work like no-ones business and at the end of this month (Sep) I should have between 3K and 4K which I am going to plough into getting shut of my debt on credit cards. My situation is; Barclaycard - Bal £3800 APR 27.90% MBNA - Bal £2200 APR 24.69% HSBC - Bal…
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Payday Loan Payment Question
I have gotten in trouble with loans and have to set up repayment plans.I have read that you need to cancel your card and get a new one as they will plunder your account. Can somebody tell me since my card expired and i have been sent a new one can they plunder my account in another way beside trying your card for payment…
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Feeling more positive
Hi Up until 2 days ago I was about to enter into a DMP (to be fair I just wanted the debts to go away) However, my husband and I have created a very strict (but do-able) budget. We are hoping to ebay our way through Xmas and 1st debt should be gone by Feb. We are then going to use a snowball effect and tackle the next one.…
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DCA's taking to court
Has anyone noticed the amount of dca's and companys now issuing CCJ action? The numbers seem to be going up, why do people think this is?
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Loans credit cards and trying to manage them best
Hi Guys, I sent a message here a while ago when debt was getting the better of me and I'm happy to say that a couple of years down the road I'm getting myself onto an almost even base again.... but I was wondering if I could have your help again! My situation was - 2k on credit cards a 6k loan and a £5k overdraft My…
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I need help with my wifes Court documents
Hi Everyone, I am hoping someone can help here. It's not my debt but my wife is getting some serious grief about a phone bill First off she did the usual ignored it etc. The situation is that It has been sold to a debt collection companies to collect but have independantly hired a solicitor to issue a county court claim.…
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new debt free wonnabe
well todays the day i finally own up to my debt i've read so many stories of other peoples debts and problems so figured it was about time mine was up there to , giving away so much money to companies that now i'm struggling to live a normal way of life i'm certain mines not the biggest of debts but it's way out of control…
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Help regarding telephone calls and people knocking at the door
Hi, (I hope this is in the right place) I'm sure I read on here a while ago that you can write to companies and request they only deal with things by letter, is this right? I can't find the thread I'm referring to as it was around 4 months ago, maybe more, when I read it. Is there any sort of template letter that I could…
