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Notice of intention to commence legal proceedings....living abroad
Hi, was wondering if anyone could clear something up for me...... To cut a long story short, I live abroad now, but was recenetly contacted about some outstanding debt in the UK with an estate agent as a result of taking a house off the market (HIP - £468). I immediately informed said estate agents that I would have…
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Letters?
Hello everyone, Where did the letters go? I tried the links but I am getting reports that I have selected an invalid location: Unenforceability & Template Letters IV
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Question CCJ
Any help would be appreciated with this problem.I have been to court over a CCJ brought against me by my accountant from a business i used to run 2 years ago.I have attended but I am concerned that all my personal details have been sent to him also,I have never seen any books or returns from him.Stupidly I cannot find any…
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Saving Interest on Debt
Hi There I have the following debt £12000 loan 7.9% apr £6500 mortgage reserve ac - monthly interest of 0.42% £1100 credit card 18.9% apr I can afford to pay £450 a month out against these debts - I just wondered if I should change the way I pay my debt. I currently pay £253 on loan but its flexible so I could pay off…
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im 18 with an unhandleable debt :(
hi, im new to this forum. i was hoping i can get guidance and support for my problems ive been having for like 7 month now! im a student who is going university this academic year, i have a part time job (only on saturdays) getting £200+ a month for that and £30 a week from EMA (Education Mantaince Allowance). ive got a…
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Creditors wont acept my payment offer
Hiya I have just started my Debt Managment Plan with CCCS and have just been told MBNA will not acept my payment offer and they have sent me a default, please can you advise me what to do now which Im really worried
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LCS and data protection
A few posts here about collections agency, LCS. Long story about an alleged debt to Southern Electric - complicated but clearly been passed to LCS. After a tracing letter in mid January, today received one about the debt per se and a £200.00 admin fee which, they say, is from the utility co, not them. Anyway, I hadn't…
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Can i get my bank to settle a debt
I'm leaving for Australia at the end of the month and was wondering whether I could ask HSBC if they would settle my credit card for less. I currently owe them £500 and that is the limit on the credit card. Does anyone know if they are likely to settle for less, maybe around £250? and if so how do i do this? thanks
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Advice wanted on reduced payment arrangement
Hi Everyone I am in a lot of debt at the moment, mostly credit cards with very high interest rates. I would like to try and consolidate, but I am having trouble obtaining any credit of a decent interest rate, despite keeping up with all of my payments every month for a quite a long time now. Having looked at my credit file…
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Free credit report & Previous addresses
Hiya Can someone please clarify the situation regarding credit reports? I have applied for the free credit report for both me & my partner - we have lived at the same address me for 11 years and my partner has been here for 6 years but it didn't give me an option to enter any previous addresses. My partner in particular…
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Im confused! Whats the best way to pay off my debt?!
Ive been reading all the help and advice on here and im still not sure of the best way to go about paying my debt. I currently have: £2400 on a vigin credit card - the 0% offer is due to end £300 on a halifax card which im paying standard interest on £1550 overdraft with lloyds TSB which is costing me a small fortune in…
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DMP - do i have to include my overdraft into it?
quick question guys have joined DMP beginning of the year, i have one overdraft included in my DMP (HSBC £560) but i now bank with santander, of which i have an overdraft of £850 with and am quite close to it. As i am going to get a bonus at the end of the month (hopefully, touches wood quickly!!) i am hoping to use it to…
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Not being on the electoral roll = liable for £5k???
Hi all I'm new to this and need some advice. I am being chased by a solicitors for a debt which I don't think I should be liable for. I went on an open day at a college because I wanted to start a course in 2011. A representative of the college told me that if I applied for 2010 I would still be accepted (I have a witness…
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Can I build credit with overdrafts and creditcards?
Hi everyone, I am a first year University student and I am trying to build up my credit to be able to someday get a mortgage. I have £300 HSBC overdraft untouched and I am looking to apply for overdrafts on my Lloyd's student account. ( I refused to get one when opening the account) Will using up my overdraft and repaying…
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Capquest going to make me bankrupt??
Capquest have been frightening me with letters since October 2010 about sending in the baliffs.This £10000 debt from halifax they are chasing me for, i cant even remember the debt, last time i was with halifax was 2001, i thought after 6 yrs the debt expired? Now i have had another letter saying "they are going to do a…
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Welcome Finance (now with Wescot)
Hi all, hope you all well. I'm afraid I could do with some more advice. Back in 03/04 my hubby (wasn't married then) took out a secured loan with welcome finance for £20K. The property he took the secured loan out on was his and in his sole name. He paid every month without delay never missing a payment. In late 04/early…
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Full and Final Advice
Hi, This is my first time posting and I'm hoping someone could point me in the right direction. I have debts of 40K and I'm currently paying through CCCS and would be debt free in 2.5 years time. I have the chance to get a lump sum from a redundancy package of 20K and I have written to all of my creditors offering them…
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Request for CCA
Hi Everyone Can anyone offer some advise please, I am just about to send off requests for CCA from my creditors. Do I send them to the original creditor or the debt collection agency ? Thank you
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help with lowering monthly payments to littlewoods.
Hi all, i owe 700 on my littlewoods account and last month i did not pay as i had just enough cash to pay for my rent. the monthly payment for various items total £102 a month and this months is due shortly and im not going to be able to pay for this months either. Is there any way i can get some help off them for the next…
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Mortgage Arrears
Hi Everyone Been unemployed for a few months now had a few interviews but still no job. My debts are increasing and my mortgage is now in arrears too due to a £200 shortfall every month as my mortgage insurance will only pay £1000 a month. I am stuck in a fixed rate for another 11 months and the bank will only let me out…
