-
My SOA
Hi all. Newbie post. I've just done the CCCS Debt Remedy online form and below is a similar outcome. CCCS recommended an IVA or a DMP. Probably going down the DMP route. It has the repayment as £538 over 7 years for a DMP. Assuming the creditors agree of course. My concern is the liklihood of interest rate increases on the…
-
CDS ltd sending bailiff for disputed debt
Hi, a local company to me has sent an invoice of £4500 to me, they cannot explain exactly what it is for etc. I've telephoned numerous occasions to be told the woman I need is out, off today or at lunch. She will not return phone calls. After a few weeks of this I thought leave it, if she wants the money she will call me…
-
Friday 25th March - What small DFW things will you be 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…
-
Offering Token Payments to DCA's
Hi I have 4 arrangements set up with DCA's to repay existing debt, however my car needs £260 of work to keep it on the road, no car = no job = no money, what can they realistically do if i just give them say a fiver each this month and use the money i would normally pay them to fix my car? as i really cannot afford the…
-
One accidental default - implications?
Hi On my Virgin/ MBNA credit card, I was originally set up to pay the minimum payment by DD. When I was in a position to pay more than the minimum, I wanted to set up a new DD for higher amount but the Virgin online system does not provide for this. So I had to cancel the original DD and set up a Standing Order. What I did…
-
Informal overdraft woes - help!
Hi I had got us into a much more manageable situation where I had budgeted and stopped using credit cards for everyday spending, transferring all debts onto a 0% balance card. I don't know whats happened this month but I hadn't looked at the current account for about 2 weeks and I just checked and we are over £2,000…
-
Direct and Legal Collections Erroneous Letter
Hello Today i received a letter to my address with an incorrect forename but correct surname from DLC on behalf of Hillesden Securities Ltd with a "one time offer" to clear a debt to the tune of £10416 by paying 5k on a phone number. After picking myself up off the floor after opening the letter i began to wonder where the…
-
Yet another old debt story... please help
I recently got contacted (via redirected mail from my previous address) about an old debt. Wescott want to chase me for £6000+ from an old HSBC loan. The problem is that according to my credit file, this debt was 'last delinquent' in Oct 05.... making it very close to the 6 years limitations limit (when they can no longer…
-
Charging Order
I have had a charging order on my family home for about 9 years now. I just recieved a statement with the amount they claim I owe (they being TBI Financial Services) It says I am being charged 15 % annual interest. I have done a little digging and it appears to me that interest cannot be charged on a charging order for a…
-
Not sure how much more....
I originally posted in July last year worried about circa 13k - 15k of credit card debt - mostly run up during a really horrible bout of post natal depression. I had a "blip" with the PND around November (no excuse I know) and with end of 0% fees, stupid 0% teansfers (freeing up credit) and Christmas costs and only making…
-
Defaul on paid loan
Hi checked my credit rating and notice that mint who i paid of in 2008 had put a default on my account at some point which was unstood as did miss the odd few payments! now as i got a lump sum and paid them an offer in 2008 this is still on my credit rating with default and says its 6 years before things get wiped off, as…
-
Help needed over deceased husband's debts
Hi, I'm asking for help on behalf of a friend of the wife, who separated from her husband November 2009. He died a few weeks ago and has left a mountain of debt and unpaid fines. Some of the debt has his wife's address and some his address. Her home is in their joint names (mortgaged), his was rented. He had a well paid…
-
pregnant & suicidal has had a relapse... :(
Just when things were starting to pick up, Scum bag of an ex is once again insisting I lower the price on our house & has now said that if I dont he will take me to court to enforce sale of it! Can he do this? especially as its already up for sale? Hes been living there for next to nothing for the past 2 years on his own &…
-
debt
can i transfer overdraft to 0% cards:eek:
-
Wanting to repair credit history
Hi, I was wondering if you guys could offer me some advice please. A bad relationship which ended 2 years ago has left me in some debt. Part of it is the result of me being young and foolish, part of it was due to him knowing how to manipulate me. Over the years, he was financially controlling of me (he would take control…
-
Is it too late?
Hi All, One of our debts has been passed to a DCA, however, we have not acknowledged the debt with the DCA and the letter they wrote to us does not include whom the debt is for and the amount of the debt. We know which debt they are referring to because we have ceased making payments to a credit card company for over 8…
-
Trouble with Lloyds Overdraft
Hi The IT Company I was working for went bust 3 months ago and I have yet to find a job. My graduate overdraft limit with Lloyds TSB was £1500 but I had increased this by £500 for a year brining my total OD to £2000. The only income I'm getting at the moment is JSA and when my account went over the limit and they started…
-
Cabot Application Form
have cca`d Cabot they have sent me a clearly worded application form & sheets of conditions am i correct in thinking that what clearly is an application form will not suffice , they are saying they may choose to escalate the acoount ?
-
SOA - need help
Hi all. In a bit of a hole and need advice. We have about £32000 worth of debt, are £127 worse off a month than we were this time last year and have had a number of large unexpected bills to pay in the last few years. Any advice at all would be appreciated. It also seems like this computer is on its last legs (it keeps…
-
I am a beneficiary in a will
dddddddddddddddddddd
