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If I have only goods worth a small fraction of the debt can a bailiff seize them
I have been told that a bailiff should not take assets unless they are valuable enough to pay off a significant part of the bill. What they should do - I am told - in such a case is write to the creditor saying there are insufficient goods. Is that correct and if so what is the backing/law/legal case for it? A bailiff…
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Credit Rating Advice Please...
Hello, On credit expert I have an inexplicable score rated as poor. I have no missed payments in the last year, defaults etc and I have a good credit history so the 'Poor' is not due to lack of activity. The problem is that next to my rating of 'poor' is a box that says 'Factors Having a Negative Effect on your…
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Help or advice needed!!!
Hi to all, I'm new to the forum and need some help if possible. We had a large amount of debt which we have been able to reduce over the last few years. We had a credit card with Benefical with a balance of £2,521.57 in 2005. We agreed a monthly payment with them which was going well. In 2008 Beneficial passed the debt…
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Council Tax Arrears Scotland
Hi everyone I am looking for some help I am having some financially problems just now and I am behind in my council tax payments I have now received a letter saying they want the full years council tax I cannot afford to pay this and dont know what to do any advice ?
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Debt Advice, Mature Student No idea where to start
I am a mature student, just finished my first year and just turned 25. Basically i never thought about money or things like credit scores but only recently i have been starting to worry about it. I have defaults on my credit history and can only seem to get a basic bank account these days, but i finally want to turn this…
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Help! How to Communicate with Creditors
Hi everyone New to the forums. And desperately want to get my debt sorted out. Been in contact with CCCS to set up a DMP. Waiting on paperwork etc. However in the meantime how do I get the creditors to stop calling me at work. I have had a couple of calls at work and my boss cottoned on to what they are about from picking…
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Help to sell 2 pairs Everton Football tickets
Hi Does anyone know how I can sell two Everton v QPR tickets for this sats game, I'm running out of time and they were £72. If we could get £30 back it would make us feel better. Thanks:eek:
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Cheapest varifocals?
Evening everyone, This shoul probably be on some other board but as it is so linked up with lack of money I'm putting it on here. Does anyone know where can I get the cheapest varifocals from? I had a free eyetest at a big Tesco's 3 weeks ago but have been rather distracted by other things until now. Tescos own didnt have…
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Advice clearing debt
Hi all, Long time fan, first time poster. After months of reading all the great help you have all given each other i finally registered to seek some advice for myself. I got myself in a bit of a mess around 5 years ago when i was really ill with Chrons Disease. I was off work for a few years and had no earnings making me…
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Barclays Bank charges - refused payment from me
I owe Barclays £147 in bank charges which I feel wasn't my fault. I paid off an overdraft of £500 in full and they added a bank charge which made the account overdrawn again and so they kept adding bank charges until it got to this amount. I moved house straight after I paid the full amount off so obviously didn't get the…
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Default for £27.65
Hi there ;) less than a year ago I applied for a freedom card which is useful to build credit Unfortunatly there was a missunderstanding on what product I had as I had pay as you go which had no fee but when I upgraded to credit booster it stated it £2.00 change over fee and I never had £2.00 on my card so I didn't think…
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If I set out my situation, can you help?
Me: High earning professional - last tax year £55k gross (going up by about £10k per annum). Excellent credit rating (986 on Experian). Never missed a payment on anything, ever. Debt: CC1 - £4350/£4500 (23%) CLOSED CC2 - £3800/£4500 (20%) CLOSED (both closed recently by me) Approx. £100 min payment on both Loan1 -…
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Central Debt Recovery
Hi everyone Wondering if anyone can help. Its a long story but I think I have been 'scammed' at work with 'advertising' but this afternoon Mr Hudson from Central Debt Recovery rang me - I got rid of him but not before I was left very upset (not that I let him hear that) he threatened me personally eventhough this is…
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Constant phone calls from Moorcroft Debt Recovery
Advice please :- I'm getting phone calls from Moorcroft Debt Recovery on a daily basis at the moment who leave messages/voicemails etc.. Reading other posts on here, it sounds like I shouldn't talk to them (which i'm not) - they haven't written to me in ages since they took over a debt from someone else about 4 or so…
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Applying for Credit with PC World/Currys with Defaults
Advice please... Been turned down by Rentsmart which is PC World's rental scheme provider... Looking to get a new computer (worth £800) and want to put down £300 and either do Buy Now or spread cost for the rest... I've got defaults - been turned down for Argos card etc recently.... is there any point me going to PC World…
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Question about Defaults
Question which i hope someone will be able to shed some light on.... I've got a few defaults on my credit history at the moment... all of which i'm still paying off (slowly).... if the default was set back in say November 2005 - does that mean it will drop of in November 2011 - or will it stay on until the debt has been…
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Pre-1998 Student Loan Statute-Barred?
I know this has been aired here before but I need definitive advice on the topic. I am being approached by a company called Link Financial over pre-1998 Student Loans in the form of unsolicited phone calls. I have never paid any of the original loans back and submitted my last SLC deferrment form in 2003 (or perhaps 2002)…
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Capquest, seeking some advice
Hi everyone :) Hoping someone here may be able to offer some advice... I purchased a laptop on finance some years ago (jan 2008) from curries, with hfc bank.., long story short I lost my job and could no longer afford to make payments so I cancelled my direct debit. I know I shouldnt of done this really, but I did and so.…
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Letter template for bank - So I can speak on someone elses behalf
Hi Am helping a family friend, who is being bullied by a bank and needs some help. This is not power of attorny and purely helping on one matter. Is there some kind of letter (which bank requires) that I can send them, so I can speak on his behalf (he will sign it) This is not to have permission to touch, move, have…
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Finally trying to clear my debts but need some advice
Hello all, I've been on this site for quite a while, reading things to help me, but until now I have plodded along. My husband has gone away on a 4 month tour to Afghanistan and I've realised that with his op allowances I can finally make a dent in the debt, and if I really work at it get it all paid off by early next…
