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Help Mercers Debt Collection Agency
After being unemployed for 12 months and using my savings to pay bills, I can no longer manage my minimum payments on my commitment. I contacted CCCS and they advised me to write to my creditors and offer a Temporary Payment Agreement over the short term to show willing. This I did and I heard from all of them except…
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Ccj satisfied ??
Firstly can I say hello to everyone, I have just got my credit report from Experian and am confused by an issue with a CCJ. The CCJ was issued 30/6/08, and a charging order put on my property. The amount owed was 8000 pounds. The debt was passed to Howard Cohen , I have been paying them approx 15 pounds a week off the…
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Notice of Intent from Local Council
Hopefully one of you can stop me panicing! I belong to a sports club and we have a regular booking for facilities at a local school which gets invoiced quarterly by the council. As I made the booking the invoices for payment are addressed to me personally at my home address. I'm not the club treasurere and for variuous…
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F&F Figures
Hi Guys, I thought it might be useful to share my F&F info for any of you ready to make the next step: Barclaycard CC (inhouse) balance £2521 - F&F £1850 Halifax OD (Blair, Oliver, Scott DCA) balance £685 - F&F £486 Halifax CC (Blair, Oliver, Scott DCA) balance £1321 - F&F £915 Halifax Loan (Blair, Oliver, Scott DCA)…
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Ruthbridge Ltd
Can anyone advise me on how to deal with a company called Ruthbridge Ltd. They have been sending me letters and calling my house demanding payment of what they claim is an outstanding debt from from around 2002/2003. They say the debt is from a credit agreement for a car that a had but could not keep up the payments for. I…
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HELP - Major screw up has taken place!
Deleted. Thanks for your comments
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Ugh! Payday Loan Companies and other debts
Hi, I'm new here, although I have lurked for a while. I am determined to get things sorted out starting this year. OH and I have cleared a huge amount in CTax arrears (very stupid to get into arrears in the first place - but all up to date now) in the past year, so it is now time to sort out our other debts. We have done…
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Large CC debt, Stuck on High rate, Help
Hi I have posted before, I am trying to help my brother sort out his finances. He is a head in the sand, not open his post kind of guy. So I have really had to start from the bottom up. I have organised his finances so we now know all his income and expenditure, and his debtors and creditors. I’ve got him to move his DDs…
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Allpay Card
I had a debt with the Prov that's been passed to C.K Edrupt, they sent me an income and expenditure form to fill out with the intention of me paying them weekly, one of the forms of payment is an allpay card that they will sort out for me, could someone explain what this would entail?
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Credit Unions?
Hi, just wanted to ask a quick question about credit unions. I am currently paying into one but looking to go for an IVA or DMP. Will I need to stop paying into it? The only reason I ask is because it comes straight out of my pay - so if I tell them I can no longer pay them they will probably just take it straight out of…
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Rockwell Debt Collection
Hi there, I took out a loan back in 1998 from HBOS however was not able to meet repayments which I defaulted on. 6 years later my default was removed but I have not heard anything from the creditors since. All of a sudden, I received a letter from Pace Forward saying I owed money. I can confirm the debt is now Statute…
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RBS/Natwest 'Alleged' Debt - NO CCA sent as requested.
Hi Folks. I recently got my credit report from Experian and noticed a default from Natwest (having been chased by Apex Credit Management - to no avail..) for around £360 pound. I sent the prove it letter to Apex as I have no outstanding debt with Natwest as far as I am aware - a loan I had a while back was settled in full.…
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Defaults
Hi I have a post open in the Mortgage & Endowment section at the moment about my husband's mortgage application. The issue is that I have a couple of blips on my credit file,namely 2 defaults from 2 creditors. I was paying them through a DMP (Payplan), they logged a couple of late/missed payments then defaulted me then the…
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£40K in Debt
I'm looking for some adive on myt next steps to tackle my debt. I'm roughly £37k in debt (£24k unsecured, £13k Secured) and have missed payments on a very regular basis, I was in a DAS (Scotland) but cancelled this as I felt I could pay off the debt far quicker than being tied to a DAS. Now I have found myself back in the…
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MSE News: 44% with mental health problems have crisis debts
This is the discussion thread for the following MSE News Story: "People suffering with mental health problems are five times as likely to suffer severe financial woe as everyone else ..." Read the full story: 44% with mental health problems have crisis debts
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mackenzie hall advise
Hi all, I have taken advise from the guys on this site after i received a letter from mackenzie hall, i was told to write a letter under the credit agreement act which freezes the account until they provide me with certain information as i dont want to pay money to a company who i dont know even has the right to get money…
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Equifax!
Wow how unhelpful are the people at Equifax? Got a copy of my report online, emailed them a couple of questions but got no response. Cancelled my account at the end of the month as I would of then had to pay a monthly fee which I did not feel was necessary as i had the information that i needed. Wanted the answers to my…
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Thu 24th Feb - what small DFW things are you doing 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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Hi an introduction
Hi there I thought I would say hi as a new member. I am a debt free wannabe and will be so by Sept 2013 when my largest loan expires. I ended up a load of debt because I was working a well paid job and therefore spent over my means and always paid the minimum on my credit card whilst still charging it. This was (or seemed…
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Barclays/Mercers?Calders-where next??
Hi Any advce would be helpful. Thanks I have a Barclays Goldcard and Mastercard. I have had an arrangement to pay £30 & £16 respectively since last Aug which I have maintained faithfully. I had no problems prior to this and had never missed a payment in over 15 years. My debt has been passed from Barclays via Mercers to…
