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I am going to sort things this time round
After a failed attempt at clearing my overdrafts last year (I did clear them and went back into them again) I really want to do this. I feel really silly posting as it's not a massive amount of debt but it stresses me out everyday as I want to save for my own house (currently living with parents - this is a complicated…
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CCJ advice
Can anyone please advise how long do creditors take before they send you a ccj thanks claypath
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Feeling very down
Have done an SOA an seen areas I can improve on but am now 54years old, due to work till I'm 66. In order to improve my SOA I need to seriously up my income. Also my maintenance for my daughter runs out in two years and even wiv snowballing my major debts are still in place, due to run out on 2015 if my maintenance was…
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challenging a CCJ
For soem years I have been reducing our debts and have now got it down to a couple of "biggies" One of these is a long standing debt with Lloyds TSB. In 2002 I took out a loan with LTSB and also a credit card. I soon got into trouble and ran up an overdraft of £4000 and maxed out the credit card. At this point LTSB stopped…
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My SOA- your thoughts please :)
Hi All please find my SOA I am currently on a DMP paying 271 a month. I am really looking for anything I may have missed that I can make a saving on. All thoughts and advice will be greatly appreciated. I have written in pink any additional info Household Information Number of adults in household........... 2 the other…
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HFO Help please
Hi Guys, HFO again i'm afraid. So A month or so ago, I received a call at work from them about an old Barclaycard debt. I asked them at that point to do all communication in writing as I was at work (no idea how they got that number) They then called my mobile number, my husbands mobile number and my mum & dads home…
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Newbie - take a look at my SOA, please :)
Hi my name is Elinore, I am 37 as is my partner. We have been together for 10 years. sadly we have had some set back so we are not where we expected to be at this late stage in our careers/lives For example we did not get married or buy a house as we never had the funds…. we need to change and I wondered if you could look…
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B/T or not??
Hi, I have the following debts: NWB c/c £966 0% 16 months Cap 1 1048 34.9% Barclaycard 2091 6.9% for life of balance I should be able to pay all wages from both jobs, say 1k off this month. Should I pay off Cap 1? Or should I transfer Cap 1 to 0%, (2.9% transfer fee) and pay 1k off barclaycard? Dumb question I suppose but…
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Bayliff Visit Regarding Council Tax
We have received a visit from a bayliff today who has demanded £652 for and the balance we owe the local council is £342. They have levied a £200 charge for vehicle removal and are saying we have to pay this even if the vehicle is not removed and we pay outstanding balance I should add the Car is worth well over £7k even…
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First time getting court claim - what do i do?
Help please......... MINT CC taken out before 2007. Stopped payments May 2010 Occasional token payments to stop the phone calls. Current balance 7600 inc court fees. What can i do and by when.... I have 12 days to return the forms but thinking of asking for the CCA as its pre 2007. Can I ask for more time? Should I dispute…
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Any help appreciated...
I received a letter a year or so ago (2010) from a debt collection company requesting payment for a credit card debt. I replied with a template letter which I found requesting more information and a copy of the credit agreement. I did not receive a reply despite the letter being signed for by recorded delivery. I have just…
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Not on the electoral roll.
not sure where i should post this but any help would be great! i currently share a house with my friend and i am registered and pay coucil tax.howevever i am not on the electoral roll.i have avoided this due to a couple of debts that i have been shying away from! i recently checked my credit report and my score is ok even…
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Do i have time to get a cca?
Hi, MINT CC debt 7600. Token payments since last summer I have now received a Court Claim from Mint and have 12 days to return forms. I took out this card BEFORE 2007 so it may be unenforceable. Trouble is, do I have time to request a CCA from Mint before the court date?? Would the court date be delayed if I ask for a CCA?…
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Credit report-Equifax "not updated"?
Hi there I've recently accessed by credit report from equifax. On several of my cards and bank accounts there is a U under some months. When I looked a bit further at the report it said these months were "not updated". I know that I have no late payments, defaults ect. Does this just me the lender hasn't updated Equifax?…
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Lloyds TSB High Jinks
So today is my first payday since my lightbulb moment, I have been looking forward to this for weeks, as it will be the first time I will be making inroads into my debt. I have also got a healthy chunk of overtime money to spend on clearing some debt. However, it seems call centres are intent on destroying my soul! I have…
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welcome finance help
I defaulted on an agreement and a company is seeking the debt with over £700 charges added on, I have read that there has to be certain information entered onto the agreement to make it enforcable, i.e total amount signatures and so on. I have attached the credit agreement for someone hopefully to give me some advise, the…
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Please help with SOA thanks in advance.
I am just about managing to service my debit however the problem I have is that I keep on having emergencies that are costing me money. I feel quite unlucky and so I dont really have much left over. Even though It show a surplus of £273.33 This seems to get quickly swallowed up with a number of my small emergencies. e.g…
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Making Progress
Hi Everyone , just wanted to share my progress so far. I spoke to cccs today (really lovely people) and my first payment to them will be next month, I have a new bank account which actually has REAL money in it and I am now budgeting and paying for groceries and petrol with cash instead of using cards. I have also changed…
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What can a mother do?
My daughter, 22, and living at home, has run up several debts, largely with a phone company, her student loan, and also a bank overdraft. She is very rarely in during 'office hours' so I have to deal with the phone calls (and one doorstep visit) from debt collection agencies. Some of them just leave cryptic, automated…
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How to shift my debt?
Hi. I am looking for some advice. I have £2038.75 of a loan paying £116.18 a month. I want these repayments lowered but they won't do it for me. Is there a way of paying this off with an interest free credit card? Thanks
