-
Partner moved out - cash shortfall
Hi there, I guess this is about as good a place as anywhere for this - if not apologies. Anyway, basically I have recently split from my partner who has now moved out leaving me £500 a month short from her contribution. I can just about make up the difference from my wages to meet bill payments etc, but it leaves me…
-
Bailiffs for previous occupants
Can anyone help? We moved into this house and brought it in October. Since then we have had numerous bailiffs here either in person or letters chasing the previous owner for unpaid water bills/parking tickets/speeding fines. Now this is extremely unpleasant when the appear at the door a 7.30am!! When they realise we have…
-
Original Creditor vs Collection Agency
Having buried my head in the sand for a few months (financially went to ruin again after a year of good paying!) - I am trying again to deal with outstanding debts. I had been paying creditors such as barclaycard, argos, etc but in the months that I hadn't paid, they have referred accounts to collection agencies such as…
-
Final Settlements
Hi more advice needed. I have an outstanding debt with Blair Oliver Scott which shows on my credit report as 3 late payments. I am keen to clear my report as looking to apply for a mortgage. I am on a DMP with CCCS and just wanted to check what the correct process would be to settling this debt. This is the one I wish to…
-
Illegible loan agreement
I have posted about this before and im going through replies and a link seems to be broken pointing me to another site for further help. So I am sorry to repeat this one but i am going round in circles and not sure of my next move! I have a secured loan with Welcome finance, they are unable to provide me with a legible…
-
gym membership?
hi there, any advice? i had a gym membership which was cancelled last june and think i only had a couple of months left. Cancelled the dd with the intention of paying when i was more flush however forgot, and received a letter yesterday saying i owe £82 within 7 days, which is 3 months payment. can they really demand this…
-
How long for a CCJ to show as Satisfied?
I sent proof of a large debt (£23k!) as having been satisfied 4 years ago to the County Court as soon as I discovered it on my file. That was 2 weeks ago, and it hasn't been updated yet. Does anyone know how long it should take to be updated on Equifax?
-
3 - insisting on telephone contact for F&F settlement
Hello, I recently obtained a copy of my credit report to find that I have 2 bills outstanding for 3 mobile that I had paid directly to DCA Wescot in 2006. Unfortunately I don't have my account numbers with Wescot anymore so they unable to track my old accounts!! I have previously called 3 and explained all this and didn't…
-
DLC - Notice of sums in arrears
Hi I posted here last September (with the title "DLC are sending me letters saying I owe them money", I cant post a link here cause I havent been here enough) and you guys were really helpful, so hopefully you'll be able to help me again! As I said in the attached link, I sent them the "prove it" letter and I didnt hear…
-
Benefits and DCA's.
Hello everyone. I've been browsing this site for a good few months, and decided it was time to post something. I'm terribly sorry if this has been posted in the wrong place, but I haven't figured my way around the site properly yet :/ Anyway, my situation: I'm currently on benefits, and have been recently approached by 2…
-
Confused about other EA calling now our house is up for sale
We finally put our house up for sale on Monday just gone (was supposed to be earlier) and since Monday we have had 2 other estate agents call us up and ask why we choose the agent we went with. I have also not long ago closed the front door to another EA, which is just around the corner asking why we chose not to call them…
-
Capquest for unknown debt
I received a letter from Capquest telling me I owed over £2000.00 for a dept I know nothing about, it was then followed up by telephone calls from them, both times asking for my date of birth which I refused to give, the first telephone call told me it was for a dept for a purchase I made at Curry's, the second, I was told…
-
Remortgaging with Charging Order...Help!
Hi, As I'm confused on this issue, any advice on remortgaging with a Charging Order would be greatly appreciated. As interest rates look likely to rise within the next 12 months, the consensus at the moment is to get a new fixed rate deal on your mortgage a.s.a.p. I'm looking to follow this advice, but unfortunately, I…
-
Bankruptcy and Baliffs
About a year ago my wife was diagnosed with a serious illness and just afterwards I was made redundant. This meant a huge drop in our joint income which resulted in us being repossessed. my wife (who is receiving high rate DLA) and cannot and will never work again is being hounded for the shortfall in the mortgage and the…
-
Please Help!
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 3020 Partners monthly income after tax....... 0…
-
Car Loan
What is everyone's opinion on a car loan? Do you see this as debt or so you see this as a neccesary evil. The reason I ask is that I will be free of all unsecured debt in April (credit card), leaving only my mortgage and the car loan, which is now about the same owed as the value of the car. So in my mind I will be debt…
-
HFO sent me a form after I submitted a CCA
Hi, I hoep someone can help me. I have posted an earlier thread here about HFO services harrasing me for an old credit card debt dating back to 2007. I do owe the money but they have slapped around £3k of their own interest and fees. I requested a CCA and they have sent me an Information Request Form that they want me to…
-
First time user
Hi All I was looking for something else this morning and I came across this forum. This is what I need in my life. I need to keep on top of this every day and if I post, this will keep me motivated. Very briefly,my husband run up 110k debt. over the next 4 years I paid off 72K but had to go without so much. Left husband as…
-
Why so much prejudice against those in debt?
I've lurked around this forum for years and dip into most areas on it and it amazes me the amount of flack those in debt get on the other boards. I don't post in some of them because of the figures I keep in my signature and I know the response I would get. Where do such negative attitudes come from? Am I blamed for the…
-
Newbie accepting this needs to be sorted...
Newbie accepting this needs to be sorted... I have credit cards of nearly 5k, an overdraft of £1.6k (which im constantly in) rent arrears of £2800, we are 50% shared ownership. My credit has got bad so a personal loan is not an option. But with 3 CC the interest each month is sickening, so I NEED to clear as much as I can.…
