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help? never dealt with bailiffs before
Hi all, I fell behind on some council tax a couple of years ago but have managed to pay it correctly for the last couple of years. Ive just recieved 3 letters in the same envelope from ross and roberts bailiffs demanding payment for the time i was behind. There are 3 letters in this envelope one dated 25/02.2011 saying i…
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DCA has admitted no CCA, now for a F&F letter
Hi My DCA (£9000) has admitted having no CCA but i'm still paying £25 per month. I would like an end with them and am thinking of offering a Full and Final, approx £1500. Should i do this as ive heard it may then mean i acknowledge the debt, but i want it of my files asap. Also can anyone help me with the wording of the…
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i am now debt free :)
i first started on here 2005and under a different user name, and with a lot of debt (me and ex husband owed nearly 27k) i dont use here nearly as oftern as i used to due mainly to time and 3 kids keeps me on my toes i am proud to say i am now debt free, aside for my next account but thats not debt yet and will be paid off…
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Capital Finance One - help with contacting them please
I borrowed from CFO at the end of Dec, then just before it was due to be paid back my circumstances changed and I was unable to pay it back in full. I came to an agreement(I have all correspondance) to pay £35 a month. THe staff member who confirmed this also assured me in an email that no other amount than the £35 would…
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cheap car to run
hey, as you may or may not know, I am still on my debt-free journey, which will be ending this April! :j:j The reason for my LBM ws that I am going to university this year to study to become a midwife... I need to save as MUCH as possible for this, and was wondering if anyone had any advice on what the best car would be to…
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Jd Williams
Hi everyone, So i have do so well to clear my outstanding debts, I have 3 left debts left. One is currently being paid off weekly and the other 2 i am having a night mare trying to find out who the debt is with. Originally the 2 debts were with Jd Williams, I rang them Last year and they told me the debts were sold to…
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Help, I'm loosing it!!
I’m getting married in 25 days and the bills have all started to come in. It’s prompted my fianc! and I to sit down and go over the finances to make sure we can pay for everything. In doing this I have discovered that other half hasn’t been totally straight with me about how much money he has been putting away to pay for…
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Need help to get out of debt!
Hello all! This is my first post post on here, please be nice to me as I am a newbie :) :) I am currently trying to get out of my £750 overdraft:mad:. I am the full £750 into my overdraft. I know this is not an awful lot in terms of things but it is still getting me down, as I am sure you all can relate to. I am working…
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Just an update on my LBM...
which was a little over 2 weeks ago, when I posted here and got so much support. :T It's baby steps, but I feel I am making some progress. I check my bank account EVERY day now (used to be terrified to look and could go weeks not looking or opening post from bank:eek:) I am doing a spending diary, which is brilliant, as it…
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Help test new pensions calculator
Hi folks, We are launching a new state pension boosting calculator tomorrow. Please follow link if you have time to help us test it. Thanks Guy https://forums.moneysavingexpert.com/discussion/comment/41624058#Comment_41624058
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Desperate
I'm in a mess. Have got huge debts £14500 on a loan and 3 credit cards costing me £385 per month. i have £1300 salary. Problems now because my partner is leaving and can only afford to pay me his half of a joint loan we have - £196 per month as he has accumlated more debts I was not aware of. One of the reasons he is…
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Credit Card Debit - Court Order
Been in an DMP with Payplan for a few years, all going well apart from MBNA who have moved the debt on to a company called Hillesden (£4.5K). They have now issued a Court Order which I have 19 days to respond to. Payplan told me I should probably admit this but I am not so sure..... I can post the letter if required? Any…
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Remove default (an account that is almost statute barred) - what to do next?
Dear All, I have been reading many useful threads on this forum and would like to ask for some advice on what to do next. My goal is to have default free credit files. Here is a short summary of what happened. 1. A default (£150) registered in 2007 by Aktiv Capital regarding a store card account opened in 2006. 2. There…
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CCJ help!
Hi there Hope someone can offer some advise. OH has an Argos card which he owes a couple of hundred on, he has been making regular payments to them using their automated service but they dont have his up to date address. He tried to update it in the store but they couldnt help so he got through to the right department and…
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Feel Like a fraud
Hi, I feel like a bit of a fraud on here because I do potentially have the means to pay off my debt, have just been careless with my cash this last year. I was close to financial ruin twice in 2009 after a long period of unemployment - I got a 'get out of jail card' just in time and have been contracting for a year now. I…
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Do you have mental health & debt problems? Please help Mind
Mental health charity Mind is running a survey on mental health and debt. The results will help it campaign on issues relating to debt, poverty and mental distress. It ran this survey three years ago and wants to update its findings and see how things have changed. How you can help If you have experienced debt and mental…
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DLC debt collectors - do I have to pay now
I asked for a copy of the credit agreement for a flexiloan I had with HSBC and they have sent me a copy of the flexiloan account statements but nothing with any signature or actual agreement. They now say failure to contact within 7 days will result in "further action". Do I have to start paying the debt back or does…
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rossendales collect letter
hi, i've just received a letter from this co but i've no idea what it is for. having read some posts on here it appears they chase council tax arrears or parking ticket fees. they seem to be bullies and give a lot of hassle which i can do without. the letter is asking if i am the person named on the letter, which i am but…
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Do i have a default??
This may be a daft question but I was wondering do I now have default against my name? The history is that I ran up a bill of £650 on my phone with O2 August/September 2010 however I couldn’t afford to pay it off. I then set up a 6 month payment plan with O2 and started paying them back. I then missed a payment on Jan 1st…
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1 step forward, 2 steps back
I had been doing soo well with trying to work our money out, getting other half to agree to things, me cutting down spending and stuff. Seems departments forget what they verbally agree! As just before weekend i got another snotty letter from housing association stating they intend to start notice to seek possession, so i…
