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Marston Group - Unpaid Fine
Hey everybody, Sorry to bother you all but the site was recommended regards to dealing with Marston Group. Here's my story, any help would be really greatly appreciated. Apologies in advance if my waffle doesn't make sense. I'm currently being pursued by the Marston Group in relation to a fine that is outstanding. I…
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council tax
in 2004 i became a single mum of 4 all my children were under 16 and still in school i received income support i have been charged over the years thousands in council tax which as far as i know i should not have had to pay i have now had bailiffs out saying i still owe council tax i have had deductions made from my…
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Newbie Signing Up
Hello, I am new to the site for posts, although have read the advice many times. 3 Years ago I had to leave a well paid job because of ill health. Don't think I will be able to work again. My husband lives with me and our two teenage girls. We have always worked and never worried about our debts as we could pay them.…
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Comparison websites - multiple credit searches?
Hi everyone, Just had a flurry of emails from various insurance providers now that my car and house insurance is coming up for renewal. Just putting 2&2 together i jumped onto credit expert and there are a fair few searches of my file. I am annoyed at myself if I will have missed a box that needed ticking to prevent an…
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A little help please
Hi I realise that my difficulties are nowhere near some on here, but I still need some advice so that I can kill my debts and start living a "Normal" life again. Firstly, I have been unemployed for some 3 years now due to ill health, I'm 48, so it's not easy getting a job. I had a loan that I had to default on, because it…
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Recorded signed for - Letters with token payments
Hi Last tuesday I posted 2 letters in one envelope for 2 different accounts with the same provider, and 1 to another creditor, Recorded signed for 1st class, and still nothing is showing up under track and trace service :( Its really disheartening because theres £15 worth of postal orders between those envelopes and if…
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Multiple Defaults
Hello, I'm not certain this is the correct board apologies if not, Im in need of some advice, I consider my self relatively clued up on CRAs and credit scoring however... Got my self into some stupid debt a few years back, it is now all entirely paid off, I have a good income, secure work in the military, have married and…
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O% Card at last!
I've just been offered a card by Nationwide at 0%, I waited a year before trying as I had quite a few knock-backs in the past, so this is good news. Unfortunately the credit limit they offered me is not enough to take everything from my hideous 18.8% apr virgin card, is it a good idea to transfer as much as I can to get…
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arghh please help... im so stupid need advice urgently on payday loans :(
[FONT="]Got myself into a huge mess and now im stressing so much can’t eat sleep I really don’t know what to do [/FONT]L [FONT="]My boyfriend of 4 years finished with me 3 weeks ago, I thought he was the one but clearly not as he dumped me on the phone. Anyway to make myself feel better I went out every night…
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Mackenzie Hall
Hi everyone, Just need a bit of advice regarding the above if possible. I am currently on a dmp which was set up about six weeks ago. Last week I received a letter from the above about sending doorstop collectors unless I call their number and quote the reference needed to pay what I owe them. Anyway, to cut a long story…
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Debt management: Token Payments?
Hi, I have got into a problem with my debt, particularly since I became unemployed. I have an appointment with the CAB later and I've been advised that 'token payments' could be an option by a friend. The problem is I'm concerned about my credit rating with regard to this... Will I be negatively affected credit wise after…
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Why am I so poor!
Thought i throw in a quick one here. When I go my first job at 21. I was so poor I didnt have the money to buy my travel card to go to work for the first month. Basically I went to my bank and asked them for a loan to cover the cost of expenses for the first month of my new job. I was quite surpise that the bank manager…
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Can I arrange for creditors to take payments from benefits?
Im doing a DMP at the moment but have been advised that I should be doing DIY debt management or using payplan or another debt charity to deal with my debts as DMP companys take a valuable chunk of your money for their "fees" whereas payplan etc are free. So at the moment, after valuable advice from some MSEers (thankyou…
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In a bit of a panic
I received a letter today from debt company / baliff. This is the first letter I have had from them, never heard of them before, all the quote is a couple of reference numbers and demand payment of £295 in 7 days (now 5 days due to the time it too the letter to arrive) Firstly, I have never heard of this company and am…
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Snowball Calculator
I have asked this question previously but didnt get any responses. Does anyone know how I will fill in the snowball calculator now repayments are changing? eg, Virgin CC are now making minimum payments at 1% outstanding balance + Interest + any default charges etc. On the snowball calculator I have the option of setting…
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Wed 23rd 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…
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Advice re CCA and F&F settlement
Hi I have a couple of queries so my story so far : I have a CC which i took out 16yrs ago and has a balance of just under 4k which i have been paying forever through a DM company i decided to take it in hand myself and as i knew my ex had had a secondary card decided to ask for the statements so i could take up with him…
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Harassing calls at work
I am new to the site and any advice would be grateful I am getting automated calls at work from a creditor, but they do not leave a number. Is there anyway I can find out who it is so I can complain. It is affecting my work and embarassing as any number of colleagues can answer the phone. Thanks claypath
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Advice needed regarding DCA and unpaid electricity bill
Hi Everyone, I need some help. I returned from work today to find 2 Formal Demand notices from pastdue Credit Solutions Debt Collection agency on behalf of Southern Electric. One for an unpaid gas bill totalling £121, the other an electricity bill for £638. The bills relate to a shared student house I lived last year. I…
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IS MY CCA enforceable?
Hi Guys , here is the CCA i received from Moorcrap , can you tell me where i stand and if it is enforceable not sure where i stand. help !!!!:eek: http://i1098.photobucket.com/albums/...1/bank3001.jpg http://i1098.photobucket.com/albums/...1/bank2001.jpg http://i1098.photobucket.com/albums/...1/bank1001.jpg Please use…
