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help with debt
My son has £5000 debt with credit cards, catologues and payday loans. He has tries his bank for help but they will not offer loans/overdraft and he has applied for loans elsewhere but has been refused
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Bailiff Question
I know the title is a bit vague. My fella wants me to move in with him. I have sorted all of my debts out (eventually) and have started to build up my collection again (eg TV, Comp that sort of thing) the thing is he has bailiffs chasing him, i don't want to move in with him if all of my gear is going to be taken by his…
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SRJ Debt and Advantis Credit
I received today a letter from both SRJ Debt and Advantis Credit for a Virgin Media Bill. I did previously have a Virgin account up until May of last year, but had been told it was settled. However when I spoke to Virgin today, they advised I'd been given wrong information and that in November the debt was bought by…
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CCCS overtime
Hi everyone, new poster here! I've recently sent all my paperwork off to the CCCS to setup a dmp, but they've emailed me wanting more proof of income, as it doesn't match whats on my original budget sheet. This is because of overtime which isn't guaranteed and more than likely is gonna stop now Xmas etc is over with. I'm…
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newbie needs help
hi my girlfriend and me have a £5000 barclaycard maxed out at 17.9 % and a virgin credit card at £2000 (about the same apr) maxed out too we tried doing a balance transfer but now the virgin card isnt 0% interest and is full. we just got an insurance payout of £3000 and not sure which is the best way to go about paying it…
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baliffs chasing debts that do not belong to me
Hi, parted company with someone who lived with me, and who seems to owe all and sundry money have asked them on several occassions to set up a mail forwarding service for their post. anyway, they have letters here from various bailiffs, one of whom I have informed on several occassions that he is not here they have now…
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a little help please :)
hello everyone! pleased to announce i have had my LBM! i am a 23 year old, dating a lovely girl and soon enough we should be doing adult stuff like mortgages etc :/ the past few years ive been very silly - i have an overdraft of 3100 (and it is always at -3100) and i owe a catalogue 2000 these debts were due to naivety; i…
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Need help please.
Any advice would be gratefully recieved. I want to pay my debts but i have found myself in serious financial trouble after my ex partner stopped paying regular maintenance because he became bankrupt. I am at my wits end and don't now where to turn. I have done the SOA form and seeing my finances like that is frightning.…
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Any advice appreciated
I am over the moon at becoming pregnant with my first baby at 36 but am now worrying myself sick, statutory maternity pay is approx £500.00 per month and after paying my household bills I will not have a lot left out of this, I have a loan and credit card and do not know how I will be able to pay these whilst on maternity,…
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Reducing Egg balance
I have had a credit card account with egg for a number of years which I have been paying only the minimum payment for about 24 months at least. I am now in a better position and have started to pay off bigger payments. I have some adverse credit on my file generally incurred over a six to nine month period about two years…
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2011 census and debt tracing
Hi newbi here. Maybe be a stupid question, but with the census looming, got my form today. I am hugely in debt, i have not long been found by one DCA, but there are other creditors out there probably looking for me. i am not on the electoral register, the only thing tying me to my current address is my work, council tax. i…
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CCJ help!
Hello everyone, i'm after a bit of advice please... I have a credit card debt (£416 on a Santander card) which I have stupidly forgotten to deal with (I have other credit cards and a loan which I am paying back via a self administered DMP). Anyway, I have been sent a County Court Claim Form, which has added costs of £30…
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In control, paying off. But want the monkey off my back?
Long story short I owed at one point £30,000 with HSBC via loans and credit cards. I got all the interest and PPI knocked off, I currently stand at just over £7000. I am paying it off at £165 a month, and of course it comes off the balance as there is no interest. I am doing via MCS ( metropolitan collection services )…
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Defaults with wrong dates on file! Help
Hi i am new to this site and apologise if it is in the wrong place. Well i have recently looked at my credit file as i suspected a bit of ID theft. Prior to looking i have seen that a company has placed a default on my account when i was on a Debt managment scheme and met the agreed payments. I have also rang the company…
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cash advice
Hi guys, I have a wee question that I would be grateful for a bit of advice about. I have finally lifted my head out of the sand re my debts and I have worked out that I can only really afford £10 a week on sundries - and I really should try and not spend all of that £tenner, so for the last week Ive been using my debit…
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Advice on 16 year old Lodger
I've just posted this on the up your income board, but thought it might be better placed on this one: Not sure where to post this. To cut a long story short I take on student teachers and rent them a room - I am on a universities list for landladies. I live in a small village and most people know I do this. A charity based…
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victim!Please Help! What should I do now!
Firstly, I must thanks for all peoples who take care of my case and told me what to do last few times. Please help me this time too. You can also found my case in victim on https://forums.moneysavingexpert.com/discussion/3061786 I received a letter from Lowell afte 18 days I sent them 'prove it'letter as you advised,…
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Redetermination - Thanks
Just wanted to say thank you for all the help and information on this site. To cut a long story short, basically i have a debt of 9000 which i was paying back £15.00 per month, the company were not happy with this and wanted it increased i offered £60 pounds per month which they declined and took me to court over (CCJ) i…
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Mckenzie Hall - F&F
Hi All, Has anyone had any luck offering reduced f&f to mckhall - i really want to try and get rid of some of our smaller debts this year!! Thanks
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Credit Search Query
As part of my debt management plan I had an arrangement to pay off a debt with Cahoot. This was was paid off two months ago - I've checked my Equifax credit file and although this is showing as settled it is showing a default/delinquent balance of £396. I definitely do not have a default on this account. Should this not be…
