-
Good news
Well a bit of good news a cheque for five hundred pounds has been paid off our mortgage arrears by a charity on behalf of a company oh worked for. :D It has cheered me up no end. Hate having to rely on handouts but if it gets the arrears off our heads then so be it. Sounds a bit like boasting dont mean to. Its just that it…
-
Worried about the future
Morning everyone. Newbie here! I stumbled across this site after checking my bank balance and discoverying that I am once again £1,500 overdrawn with two weeks till payday. I know this might not seem like a lot of debt to some of you (I've already read some pretty scary strories :eek:) and I'm not all that savy in the…
-
LCS and advice needed please
MSE was the first result coming back when I searched for “LCS” on google, so think I shall post my queries here. Summary of the story: 1) I paid the utility bill for my tenant after she left 2) My energy supplier somehow mistakenly issued a *duplicated* bill to my tenant and sent it to my current address (not the letting…
-
MicroCredit (minicredit.co.uk) Big No No!!!
Has anyone had previous problems with Microcredit Ltd or Minicredit.co.uk in the past? If So could you please tell me how you found your experience with them and also how it got resolved in the end. I am dealing with them at present and they really are scum of the earth, They have charged me over £450 in a month on a £100…
-
Full and Final offers
Hi there! I'm new to this site although i've been on a Debt Management Plan for about 3 years. I've been offered a redundancy package at work, but i wouldn't want to use ALL of it to pay off my existing debt as that would leave me with next to nothing to live on until i find another job. My questions are: - if i wanted to…
-
ccj
If a cj has been paid for 3 years and the person has missed 2 payments does the claimant have to go back to court in order for the court to sanction the bailiff to attend???
-
Being Chased for Old Debts
Hi All, was just after some advice and see what anyones knows about certain DCA and where they get there information from.. Got myself into serious amounts of debt going back to 2003/2004 at the time I had to sell the flat I owned and paid off all the debt that I could. Having not heard a thing since probably 2005 from any…
-
MBNA credit card & DMP help and advise please
Hi - sorry I have never used this before and not sure if I am posting on the right site etc. My husband and I have previously looked on line at a DMP with CCCS and roughly filled in the forms on line but wanted to wait till the start of the tax year with review of benefits etc before going down this line. In the meantime I…
-
On Payplan but now ill
Not sure if this is the best place to post this. My husband currently pays through payplan but has recently been diagnosed with a cronic illness (psoriatic arthritis). He has reduced his monthly payment as he's off sick untill his medication is sorted and as yet is unsure when he will get back to work. What I want to ask…
-
Thurs 7th April 2011 - 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…
-
Fed up
Hi feel like Im going to scream. After putting the mortgage money in oh account he has now addmitted it will need topping up. He failed to tell me of dd that go out and insists he told me about them:mad:. It makes me so mad as Im really trying to sort things out and he is making out as if Its my fault. Said I just steamed…
-
Opinions please
Hi This is my first post although, I've been a lurker for a good while. My O/H and me have lived in the same 4 bed house for 29 years. It's an (ex-council house.) We're both in our mid 50's with only one grown son left at home. :T For the last 2 years, I've been a full time Carer for my O/H. She's been poorly since her…
-
debt advice network have let me down
Been waiting for them to get back to me, it's been 3 weeks since i sent off paperwork and i was wondering if they're legit. Found them on a brochure produced by GMB, my husbands union, so thought they were ok. Having done a little digging tonight found that they're not very good at all. As other people have had a similiar…
-
Capquest for someone else's debt - Now statutory demand
hi, i'm new to this so please bear with me!! We 1st received a letter from Capquest at the end of January, right address, wrong name (although same surname), to start with i just sent it back saying R.T.S. addressee not known at this address, got another letter in February again sent back, had 3rd letter on Monday so…
-
Help Needed - SOA is negative
Hi, I've been loitering on MSE forum for a while now and have finally had the courage to prepare a SOA. Its showing with not enough income to cover my expenses. Has anyone got any tips or advice to help with this? Household Information[/b] Number of adults in household........... 2 Number of children in household.........…
-
Car Insurance Installments With Bad Credit?
My renewal has just landed and they want an extra £20pm off of me despite nothing changing and no claims being made :( What I would normally do is say 'kiss my ar*e' and move my business BUT now I have entered a DMP with Payplan I've noticed that most insurance company installments are a credit agreement requiring a credit…
-
Moorcroft
Just had a letter from these guys regarding an outstanding EON debt. They are wanting more than the debt is for. What are peoples experiences of them? Would they accept a reduced full and final offer? Many Thanks
-
Advice RE: temp payment arrangement
Hi, I have recently been experiencing financial difficulties. I contacted CCCS and they suggested a temp payment arrangement and so i offered £1 a month to my credit card lenders. I sent letters to this effect. I received letters back from 2 of them to say this was fine etc and i am in contact with the other, which i…
-
what to look for on credit report
Hi there, looking for a bit of advice. I've just received my statutory credit report that I ordered as I am in the process of applying for a mortgage and thought it would be a good idea to check this. Could someone point me in the right direction of what I should be looking for on the report / what is considered a 'bad'…
-
experian
I want to check my credit score etc, but a year ago or more I used the free trial for experian, so now they want me to pay £14.99 Is there anyway around this? Ive checked equifax, but one of my cards isnt listed on there so must be on experian? Thanks
