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Third Party Debt Order (Garnishee Order)
Has anybody been on the recieving end of this or even issued a garnishee order against someone in depth to you? I want to know how effective a garnishee order can be. This is where the debtors bank accounts are freezed and the court then decides whether to take out your money and transfer it to the deb claimaint's account.…
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MSE News: Unemployment hits 17-year high: how to limit the damage
This is the discussion thread for the following MSE News Story: "Unemployment has topped 2.5 million and youth joblessness is at record levels but you can ease the pain ..." Read the full story: Unemployment hits 17-year high: how to limit the damage
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Thames Water £700 bill
Hi and thanks to everyone who helped me last week. I now have a query for my sister. She has been divorced for 3 yrs and lives in family home with kids. When she separated from her husband he kept the waste water bill in his name and said he would keep paying it as well as the home insurance. He has now accrued a £700 bill…
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CCJ - Full & Final Offer
Hi I'm new to this and wondered if anyone can help. In the past I've been very stupid and consequently owe about £70K to about 7 companies. Within this there are 3 CCJs, I have made arrangements with all companies and for the past 2 years have been making affordable payments. In the next 6 months I will be in the position…
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debt letters keep coming and they are not mine.
hi there, posted before when i received letters for someone else and was told to mark them return to sender. I have been doing this,but they keep coming. The original ones were from O2 but now they are arriving from Lowells,(maybe should not have opened but felt i have the right to know what is being held under my address)…
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First Direct
Hi All Just wanted some advice , i owe a couple of hundred to FD and they set up a lower rate of interest agreement (CCA repayment agreement I think its called), If i pay this off do you think they will allow me to use the current account again or will this be closed ? If possible i would like to use the account again as…
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please help am on the edge
i have completed the SOA which is below i am struggling on top of this i alos have 70 pounds i owe every month to my parents for already paying a debt off for me and i also i owe 150 to housing benefit as they apparently over paid me and am now being threated with bailiffs Statement of Affairs and Personal Balance Sheet…
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Q on consolidation
hi all, So....currently have 28k of debt (loan and CC on long term balance transfer rates), and a mortgage of 100k (house value of 165k). Mortgage fix runs out soon, so I'm looking at remortgaging, and one thing i want to look at is adding the debt to the mortgage. What I'm looking for is a calculator or way to work out…
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Thought I was free of debt!
August 2010 I received a letter from a debt collector called Arrow Global who stated they had an account from Orange mobile from 2005 that I owed £83.84 on. I have absolutely no knowledge of this debt, don't remember having a previous Orange contract ( I have had an Orange contract continuously since about 2006 ) and…
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Wednesday 16th 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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dmp help
hiya just signed up to payplan. one question i would like to ask is i have an account with a bank who my partner banks with as well. can that bank take money out of her account? and also my childs savings account?
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CCA request and CCCS...
Posted an update on my old thread yesterday but it got swiftly buried with no replies, so rather than bump it I thought I'd use this thread as an addendum for now. https://forums.moneysavingexpert.com/discussion/3015846 Cliff notes; On DMP 4 years with CCCS CapQuest started charging interest so going to CCA them back in…
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payplan insurance
hiya. just signed up to payplan,but i had a phone call from them asking me to take out insurance with them. it will cost around £30 a month. what do people think?
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Should i... or should i not go bankrupt???
Hi I can not make the decision... I have approx £8k dept as it stands now, it is with a DMP that has been running for about 2 yrs or so, at the rate it is going i will be about 67 before it is clear. My biggest problem is that in the not too distant future, my 'top up' (as i call my working tax credit & fam allowance) will…
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1st Credit: CCJ + Charges. CCA?? Help!!
Sometime ago I got into financial difficulty and 1st credit acquired a debt in my name from Nat West. I understand that 1st Credit pay approx 8p in the £ for acquiring debts (eg: they would pay £800 for a £10,000 debt but would still chase for £10k plus charges and interest!!) They very swiftly managed to get a judgment…
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I need help!!!!!!!!!!!!!
Hi i need to pay my credit cards off.My husband has just finished work and has a small lump sum but we owe alot,Has anyone any good tips to pay pay less to the card companies.
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Help me Debt Collector just knocked on my door.
I have a debt with santander. Santander are not answering the letters i am writing to them. I wrote to them asking for a CCA. Thread here https://forums.moneysavingexpert.com/discussion/3037402 I decided to just wait for further written correspondance from them ie a CCA. I Have not heard from Santander or Moorcroft since…
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A bit of Lowells, Moorcroft and CCA
I'm really sorry if this has been asked a thousand times before as I didnt want to start a whole new thread but its been suggested i should... My gf has apparently received a few letters from various debt companies recently but she ignored them and hid at first until Moorcroft, and i use her words, sued her to death. Sadly…
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Wescot
Wescot have been sending me letters, looking for an old Mint debt which has been bought by arrow global. I ignored their letters and ignored the phone calls. Tonight however I broke and answered the call. They wanted me to verify my name addres and date of birth, which I didn't. I got very angry with them and told them…
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Help! I need somebody...
Current debts Bank overdraft @ around £2000 (£30 charge per month) Bank loan @ around £2000 (£125 per month) Mum & dad loan @ around £1000 (£300 per month) I am looking to clear my debts so I can finally move out with my girlfriend. My current salary doesn't clear my overdraft every month and I am finding it hard with…
