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Newbie here ... help please
Hi everyone well after months of saying i am going to do something about my debts and nothing happening i have decided i need to take a more structured approach and in my search for debt advice came across this site Any tips and advice greatfully received, i have a husband and my little boy who is 2.5 years and am looking…
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Starting my journey to become debt free
Just wanted to say how relieved I am feeling at writing to my creditors and starting a DMP to pay off my debts. So far, two have been agreeable but the other two have not responded to my letter in regards to suggested payment at all. Should I just make the payment direct to them or write again - although I dont know what…
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Please help me
I am struggling to understand the courts response to a ccj against me, basically low income so offered £5. IT IS ORDERED THAT 1) JUDGEMENT FOR THE CLAIMANT FOR THE AMOUNT CLAIMED AND ADMITTED BY THE DEFENDANT TOGETHER WITH FIXED COSTS PAYABLE FORWITH 2) ENFORCEMENT OF THE JUDGEMENT IS ALLOWED BY THE ISSUE OF AN APPLICATION…
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Little bit of advice?
Hi, A few years ago I got into debt (when credit was easy to get hold off - and i was young :( ) So I entered into a debt management plan - a few months ago stopped this plan and contacted all of my crediters too setup direct debits ect.... all is going to plan so far. (Why pay a % to the debt management company! :D ) When…
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Debt management,can i leave and approach creditors?
Hi im new here looking for some advice. We have been with a debt management plan for around 5 years and seem to have got nowhere with our debt.Is it possible to leave the debt management company and approach our creditors ourselves? Are our creditors likely to allow us to pay over a few years to clear the debt?i just feel…
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Fresh start ahead
After having my LBM moment i had seeked advice from the wonderful CAP regarding my finances my DMP was set up and after early three sucessful months i have managed to pay into my account and the threat of telephone calls have eased and letters to. The problem i suffer with now is DEPRESSION i am strugging and my past has…
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help with 6 years limitation Act [merged]
Hi all...I need help with the Limitation Act. Debt collecting agency issued County Court summon against me in October 2006 for the two accounts in my name amount £18000. I reply back to the court with this statement “ I HAD PAYMENT PROTETION INSURANCE BY THE CREDIT CARDS COMPANIES IN QUESTION. I FILLED THE CLIM FORMS AND…
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Very Confusing Situation With Halifax/BoS Loan Repayment
OK, this is my situation, back in late 2009 I had 2 missed payments on a Joint loan with Halifax for £12,000, I had standard default letters and then switched to Albion in house collections, by the time it switched I had got back into better financial straits and able to make the agreed loan repayment of £160 per month…
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Can an attachment of earnings be lifted by the creditor
Hello... Can a creditor lift an attachment to earnings order that a court has put in place. i.e. if I come to an agreement directly with the creditor can they ask the court to not take this action. Thanks Nick
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Mackenzie hall dept 13 years old
today i received a letter for Makenzie hall asking me to contact them as they are attempting to contact this person regarding a personal matter that they have been given this address as being the possible person concerned so after a good think i think its n old dept unpaid the last time i had any contact with the finance…
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help please im really baffled now ?
hi I have an ongoing dispute with ccs/lloyds tsb and i have cca'd ltsb and have just been sent this letter by them thankyou for contacting us recently I am in receipt of your request section 78 documentation. however I am returning your letter to you as the card number is not stated on your letter, therefore we can not…
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Come on, sock it to me! S.O.A
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 1 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 667.51 Partners monthly income after tax....... 281.67 (Job…
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Credit Resource Solutions - I need help!
Hi - I need some advice asap so would be grateful if you could help! This is quite long so please bare with me! My car insurance with Hastings Insurance was cancelled last year due to a missed payment. I was in hospital at the time and I know that was my fault but to be honest paying bills was the last thing on my mind.…
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S.o.a.
Not sure if the amount left on the creditcards is accurate as paid £1800 off one and havent had a new statment but this is a start will update soon Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars…
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Bankruptcy and Arrow Global
Hi, Here's the long and the short of it....... I had a debt of £3500 with virgin credit card this debt was pasted to arrow global in 2009 I received one letter stating that the debt had been transferred to Arrow Global. I immediately contacted Arrow Global "sept 2009" and set up a payment of £100 a month and a charging…
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soa?????
how do i do an soa
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Natwest visa debt -serious illness no ppi
Heya My OH has debt of 11000 on Natwest visa card taken out July 1994. when I spoke to them about freezing interest for 12 months but paying monthy amounts around 2% of balance until OH is better (he has Stage 4 throat cancer and cannot work) they will only freeze interest for 6 weeks and then put defult notice. I have…
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Got a letter saying I owe money.....
Hi all, Im new to this so bear with me. But Id like some advice on some letters I keep getting. Accordingly I owe £498 to a Vodafone (which I did have one in 2006) But Im sure this was paid - so I thought Id sign up to one of these free trial credit reports for 14 days to have a look at when this is supposedly…
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Asking a creditor to cease contact by telephone...?
Hi all. I am looking for a letter template to ask a creditor (Lloyds TSB) to stop all contact by telephone because I am fed up with them calling me everyday as I've entered a DMP and there is nothing more I can tell them! I have managed to find it on here before, but I have been searching this morning without any luck.…
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Statute barred
Hi All, Further to the other posts in this thread I was hoping someone could give me some advice. I had a credit account back in 2002 that I personally have not paid anything to for over 6 years but I have just found out that my mother has been paying £10 per month to them after the collection agency bullied her into it.…
