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council tax, please help!
Hi, hopefully someone can shed some light on my situation- we missed out on a few council tax installments and now our case has been reffered to a bailiff (Rossendales). When the "gentleman" visited the house, we were not in so he posted the notice of attendance through the door. I rang back on the same day several times…
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Attachment to earnings not being paid???
Hi there. This is a bit long winded so please bear with me. My husband died suddenly in 2010 and I have now received a letter for a debt dating back to 1996. I have checked that they can collect the debt (there is a ccj) ect. Well, they have sent me a copy of an attachment to earnings (attached to my husbands earnings) for…
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Council Tax Baliff Help - desperate please
Please help I moved property in January 2008 but my ex is in same house, for a short period in 2007 I had claimed council tax and housing benefit as I had 8 operations and was very ill, when I returned to work I stopped claiming (that was September 2007) In May 2008 (five months after I left the property) the benefits…
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desperate money situation
i posted this thread on student money saving but thought i'd also post it here as well. any help much appreciated! https://forums.moneysavingexpert.com/discussion/3099458
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Need Some Motivation
Hi I have been paying off my debt, sold stuff on Amazon, ebay etc but recently I have hit a bit of a wall. I am 10 wks preganant, tired all the time and I just don't have any energy left. I still have some things to sell on ebay/music magpie etc but need a (gentle!) kick up the bum... Help! Marie xx
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Unenforceability and old debts
Hi all Long time lurker and occasional poster here, but I really need some advice now. My mum is 67 and is on a DMP with CCCS (16 months into it), paying £350 per month. However we have just had to decrease this as my dad has been diagnosed with bowel cancer. However the signs all look good and he is awaiting surgery. To…
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Santander and credit file woes
Hi there Would someone be so kind as to read my letter to Santander below and tell me if I should add or change anything, it is my belief that they have added marks to my credit file 6 times in the course of last year due to me not being able to set up a Direct debit and as they wouldn't take the payments before they were…
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Debt free wannabe
This is my soa. My mortgage is currently on svr 3.5% With Halifax (int only) (no rep vehicle in place) and my cc are on 0% usually just do a bal transfer if can't pay off in 0% period... personal loan is 218 os bal 7500 is paid off in 36mths and won't have to pay childcare as of sept next year.. (but what we have or don't…
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Just paid off two debts..
Hi everyone, I have just paid off two debts of £445 and £451. Three more to go and these are bigger and higher interest so I know I should have paid against these but I wanted to have 3 debts rather than 5 if that makes sense!! So, left to pay are: Barclaycard, 6.9% on balance of £2111 Capitalone, 34.9% on balance of £855…
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Payment Review Question
Good Morning I am after some advice please. Before my LBM in the darkest day, MBNA took me to court, I ignored it, they got a payment order and a voluntary charging order against my house. I didn't sign the order, or get my OH to, but I did start the payments. I should point out at this point that I have been making…
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debt management company
hi guys im new to this and have a quick question for you, has anyone had experience with the company fresh start financial, are the any good, cant seem to find much on the web about them. they have been in contact with me about clearing my debts. any advice is appreciated
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Wednesday 9th March - What small DFW things have you done 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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Over payment by employer
Over Payment By Employer I signed a contract where my employer agreed to pay me at a certain rate for a period of 4 years after which the salary would be reduced by approximately a third. I forgot about the date to which the reduction related to. Apparently my employer did too. Consequently they have overpaid me for the…
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Equifax vs Experian - Why so different?
Hiya, So I subscribe to both Equifax and Experian and have two completely different credit reports and now, ratings, for both. My Experian is looking pretty tidy. No searches, no defaults no nothing. Credit score of 846 out of 999. Not on the electoral register (due to a muck up in my local office but soon to be rectified)…
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tjs in trouble
Just been told that tj hughes shops are in trouble. They are looking for 20million pound loan. This was from the mouth of someone who works there. Hope it survives as its a great shop and employs lots of local people.:(
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please help...payday loan!!!
hi, i have recently taken out a few payday loans and am managing to pay them off so far, but i have one from payday uk due to be taken out in 2 weeks time and i know i wont have the money in my account to pay them off, i have read many different things on here saying if i cancel my debit card or report it lost or stolen…
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keeping track
Hi, Well, DMP all set up and first payment has been recieved so I supose this is the start of our journey to being DF.:j I was wondering how people keep track of payments to creditors? Do you run your own spreadsheets or just rely on the DMC? Would you share what you do and how you keep check? Thanks MrsD
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HFO Services
Hi all. Apologies in advance if this sort of post has already been answered but I am new here and have tried to find a similar request in the forum but cant. At 7.45 tonight, I received a telephone call from HFO Services about a debt they alledge that I took out in 2000. To say that they were a bit bolshy would be an…
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not feeling the love
Ive been a lurker on here for a good year and last week i plucked up the courage and posted my first thread was all rather exciting and i had some lovely replies have since posted a few more times and have recieved a few comments that i felt are a bit harsh and have left me feeling a bit stupid:( maybe its me being naive…
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bailiff action help pleae
I have been looking at all the bailiff advice on the site and it has been very informative and I want to thank all that have contributed as it has really put my mind at ease, but I do have a few questions. I will tell you a bit about my situation. I was living at a house about 5 years ago and at the time I was receiving…
