-
Wescot
Anyone else got a DMP with them? :mad: we pay online every month and today they've hounded us with calls asking where our payment was. We paid it on 7th march and they claim we haven't. Anyone else experienced this? I've emailed them a copy of our transaction online and a screen shot. I've also asked them if they want to…
-
Red debt collection services-letters received today!
Hi folks. I received 2 letters from Red Debt Collection Services today. They are collecting debt on behalf of Three Mobile (£95)but I havent had a Three Mobile account of any kind since 2005! So as you can imagine, I was really shocked when these letters came! I rang Red Debt Collection services straight away. The guy i…
-
Really important to check your bank a/c daily
at least...:( since my LBM I check at least once a day and balance with my spending diary. So, over the weekend worked out that I would be below £8, thus preventing me going into overdraft...so decided to check again earlier, and found I was 56 pence (yes, 56 pence!) over. Double checked everything and found that I was £8…
-
Red Debt Collection - help!
Hello, This is my first post on here but I really need some advice! A few weeks ago I got a letter from Red Debt Collection saying that I owe T-mobile £303.85.It was addressed to me in my maiden name and I have been married for nearly 4 years now. I ignored it because if I did have a T-mobile account it was when I was 18 (…
-
Help - Bailliff visit for council tax dating 10 yrs
Please can someone give me advice. In january I received a visit from the bailliffs for £190.93 (including costs) for council tax for 2001 I contacted the local council to inform them I felt I had already paid this. to cut a long story short after providing paperwork and many calls, I had another visit today with 7 days to…
-
Personal Challenge : Clear £42k in 6 months
I have a golden opportunity to try and clear all my debts (except my mortgage) with in 6 months, and I hope to keep a little diary on here. BACKGROUND: I have had a bury my head in the sand philosophy when it comes to my debt and I am now in a bit of a mess, but I have taken a stand and am ready to rumble! No CCJ’s yet but…
-
Creditor Calls stopped but now visits threatened
Hello again I have been working with CSSS and the people on here to try and get my debt under control and get my life back on track. I have started to work again and so I do have some money coming in but not enough to meet more than the essentials. I've sold my car and that money was spread betyween creditors as advised by…
-
Mbna
Hi Even though I am on a DMP with CCCS, MBNA are saying that they can't put me on a DMP unless I pay them more money. (they want more than double what they are currently getting through CCCS). They have now sent a letter saying that if I didn't respond to them before a certain date they could pass to a DCA. I sent them a…
-
Santander - request for information
Hi, I wrote to my creditors last month declaring myself to be in debt crisis and making token offers of £1 per month. I did this through the CCCS website and used their template letter and Statement of Affairs. Most creditors have accepted however Santander Credit Card are saying that I have not provided enough…
-
Would it be better to let debts default?
Hello everyone... I have about 80K debt and will take over 10 years to pay off. If my debts are not defaulted now, they will be sooner or later. I am thinking of letting the debt default so that I can then offer full and finals for less than the total. The way I see it is that it may be quicker to let the debts default and…
-
Please advise me on my Dept Problem. Thanks
Hi, I wonder if somebody can give me some advise as I am in a real mess right now. I am currently in about £12k worth of dept and I feel deeply ashamed and angry at my self. I am working and have been doing so with the same directors for the last 9 years and I have never been in this situation before. The problem started…
-
Debt collection agencies/ fredrickson international
Has anybody had any dealings with these people? How much power do they have?
-
Paying off ex's debts for last 12 years
Hi everyone Last resort - can anyone offer advice? I'll be brief. My ex-husband and I got into approximately £17,500 of joint debt 13 years ago and soon after we divorced. All the debts are in joint names. As part of the divorce, he agreed to pay me a lump sum, regular monthly debt payments and child support. The amount he…
-
CCJ Satisfactiory Certificate
Hi. I have a CCJ on my name for being a guarantor for a friend. I was sent to the court (without my knowledge [moved property]) and the CCJ was for unpaid rent. The rent was paid latter, and when asked the estate agency to send me any papers, they show the rent being paid in full, but is a outstanding fee for county fees,…
-
bank account
the cccs are dealing with my loan and said that i should move my bank count, which i did do about three months ago,i asked natwest to close the account but they said no,every month i get charges and every month i pay for them now the last one came to 60 pound is there any way i can close this account, thanks all
-
getting mortgage after defaults
Hi Several years ago I had another bank account. I stopped using it as it wasn't my main bank account and a few years ago I got a letter from a debt collection agency saying I owed them money for this account which had gone overdrawn. I paid up immediately and am now thinking about buying a house. After looking at my…
-
How much should be my Emergency fund?
Not sure if this is in the right place but I wanted to pay some debt off but wanted to know how much my Emergency fund should be
-
Moorcroft just knocked on my door
Afternoon all, I posted here a little while ago about DRO's - I am now filling in the paperwork to go ahead with this, as I am due to have my baby in 5 days time and with the little maternity money I am getting and my partners debts, there is little hope of me paying my debts off. I was sitting here filling out the…
-
Temprorary Arrangements - can only pay £1
Could anyone help me out here? My partner has a number of unsecured loans and cannot afford to make the minimum payment at the moment. So we decided that it would be best if we wrote to the individual companies together with a financial report from CCCS and a smaller payment. Can anyone suggest what to write in the letter?…
-
BCW Arrestment of bank account
Hi, I recieved a letter from BCW stating that they will be arresting my bank account for council tax arrears and have said my local council has agreed to this. I am a bit concerned about this and wondering if they can actually do this???
