-
Lost Savings AC passbook
I have £5.00 in a Nationwide cash ISA account but I've mislaid the passbook. I want to withdraw it. Previously I could have transferred online to my Nationwide current ac and got to it that way, but as I'm on a DMP and Nationwide is one of my creditors with a £500 o/d as soon as I transfer into that they'll grab it, plus I…
-
car insurance.is this effecting my credit score
hi this is a busy site , even if its not quite in the right thread/ section i have a small issue in that i keep getting mail in someone elses name at my address , they do not live at my address and i have never heard of them . however they set up car insurance based on my address. of course after the insurer never got any…
-
Lloyds TSB late Marker
Late last summer I opened up a Lloyds TSB basic account to put my benefits it to and to use it as my paypal funding source. I did not like the account so I stopped using it and after a while I contacted their head office to close it and they told me it was already closed due to it being over drawn for a month. When I got…
-
I have a 'get out of jail' 10K. How can I spend it to pay off debt?
Hello, My 1st post :j I am 26 and after stupid car purchases (2 blew up) and some sporadic spending I got into 30k debt. I sorted myself out 2 years ago and consolidated all my credit cards (thank god - would have been 50yrs old before paid off). I am now married with a 1 yr old boy and a desire to bve debt free in 2 yrs.…
-
Old Debt & CCJ Help
I was wondering if anyone could help me. I was issued with a CCJ back in 2004 for a debt of approx £1000.00. I have never paid the debt and recently I have been contacted by Legal Recoveries regarding the same debt, which has now increased to £1800.00 I have sent the prove it letter to them on 10/02/2011. Which they…
-
Advice Please re old uni debt
Hi all, Just wondering if anyone can help me? Started a post grad course in 2005 but left after a term as it just wasn't for me. Anyway I agreed to pay back the fees via monthly payments of £20 which was fine until I lost my job in 2008 so I wrote to them and said I would have to reduce the monthly payment- heard nothing…
-
Money stolen from bank account - bank won't help
Hi My husband discovered today that over £1400 has been stolen from his bank account over the last few weeks. Unfortunately, he does not check is statements and does not do internet banking. The bank (HSBC) say that as he can't prove it was not him, they won't help. He's asked for a full statement of all the transactions,…
-
One big loan slowing me down.
Hi, My husband I were pretty awful with money a few years back and owe a total of £16,000 now. We are really careful with money now and budget very well. All our debts are in a repayment plan and we are slowly getting into the position where we can pay one of the smaller ones of every month and are starting to work on the…
-
United Utuilities Water Debt
Hi All, I'm back again! We've been getting letters recently from the water board for a Ms X, either way we've put them back in the post "not known at address". The other day we got one addressed to Ms X/The Occupier, so naturally I opened it. It seems Ms X (who i've never heard of!) is in debt with the water company.…
-
newbie in need of help with debts
hi, im new to here. really in need of advice and help with debts i have .. so here goes. my wife has just started maternity leave so income has decreased .. but all bills are covered every month just not much left over for food and other things ... we have a mortgage which is with Halifax that is at £139,000 outstanding.…
-
whats on the credit file answered
Ok the guy I have been helping with his debts applied for his credit file from 3 credit reference agency's. The reason I asked him to apply is I wanted to see what info they held on him as many of his debts are statued barred etc or in default or a CJ has been served. The info we got was as follows ON Electrol roll…
-
Moorcroft Debt Recovery and Halifax
Hi, Have a credit card balance with the Halifax of over 3K. Was out of work for 6 months last year which meant I was unable to meet the repayments. Contacted them and agreed token payments of £1 a month, with the interest frozen - "an informal arrangement which will be reviewed in 6 months time" "Our current fixed payment…
-
Wow - love the debt-free feeling!
Well that's it, i paid off the last of my debts this morning!!! After nearly 2 years of buying next to nothing and saving everything I have finally made it to my debt free day!!! My LBM was May 2009 when i realised i wanted to become a midwife, but that meant quitting work and no income! Plus i had £16k plus in debts!!! So…
-
aktiv kapital debt
Hi guys, looking for some advice. i received a letter from aktiv kapital 3 days ago stating i owed over £10000 for a loan which i took out in 2003 with an ex partner. we split up in 2005 and the proceeds from the sale of our house was used to pay off any debts including this one. i stupidly left it up to her to repay the…
-
Help with unenforceable debt
Hi I have know idea what constitutes unenforceable but I have been on a DMP for four years and paid as agreed every month on the button,I am trying to make f&f offers to my creditors without too much success,just wondered A:how i find out if debts are unenforceable and B: if so could i use this as a negotiating tool to…
-
Should I re mortgage to pay my debts off!
Hi, This is my first post here, so apologies if it's in the wrong place. I am retired & my wife & I both live off my pension from my previous employer, I should point out that I took early retirement at 50 & I am now 60. I should also mention that I paid my outstanding mortgage off when I retired 10 years ago. I've also…
-
Debt Company Chasing
Hi Everyone. My Partner is being chased by a company called EOS solutions who are working for one of the water companies. This debt goes back a couple of years and she was a single mother etc and just couldnt afford to pay etc Over the past few months we have she has received 3-4 letters from EOS Solutions. She is…
-
Spurious charges from C/Tax bailiffs.
I have posted before on this issue but my girlfriend is continuing to have difficulty with Ross & Roberts. After contacting Ross & Roberts head office we obtained a complete breakdown of the money that was owed and it turned out to be more than £150 less than the figure being asked for by the bailiff, the account was then…
-
Family ruining our credit
Just wondering if anyone had any advice. OH had a car which was surplas to requirements. His uncle (by marriage, not blood relative) wanted it so we gave it to him for nothing under the agreement that he would pay the finance on it until the balance was clear. Unfortunately things with this uncle and OHs aunt have since…
-
Loansathome4u
Hi , my wife has a few loans with these people who took over the original loan company last year. We are currently unable to pay more than £1.00 / month on each account due to long term illness but after a telephone call she received this week they are wanting full payments or they will start legal proceedings. If i sent…
