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Jacobs..... where are you???
Hi guys, thought I'd share my experience with Jacobs Bailiffs with you... I owe £340 council tax from my last address, it's only from last year and I'm trying to sort it with the council, but on May 25th I received a notice from Jacobs saying I had 24 hours to respond blah, blah, blah. I initially panicked and phoned the…
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[Deleted - I think I posted this on the wrong board.]
[Deleted - I think I posted this on the wrong board. Sorry.]
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Credit card debt offer to reduce by 90%. Is it true?
Hi, A few years ago as a student I got a credit card, large overdraft etc. Things fell apart, became homeless etc then couldn't pay my debt, so ignored it as was having too many problems. Recently got a part time job barely enough to survive on. And now, they send letters all the time. I don't know what to do, as I don't…
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10 year old Council Tax Arrears I didn't know about???!!
Hi, i've just recently received a letter form Stirling Park looking for council tax arrears dating back 10 years that i had no knowledge of. This relates to a private rented property my ex partner had in 2002. I moved in with him for a week before moving back to my parents house where i have consistently stayed from…
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Glasgow City Council - Council Tax - Help
Hi (first time post) I am looking for some help, i share a private furnished flat with my brother and we haven't paid the council tax, we are in Glasgow, we thought we were up to date and then haven't paid for sometime, we had received demands for amounts we had thought we paid, this may not be the case, we are waiting on…
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What is a Monthly payment arrangement?
What is Monthly payment arrangement and how does it differ to a DMP? Do I have to deal with the companies or will CCCS do it on my behalf? I don't really know the difference >.<
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Phone Bill - disputed
In 2008 my phone bill was incorrectly calculated, I was supposed to have passport on my contract end they calculated it without. They went away and looked into it and presented me with another big bill. I was in France at the time doing a ski season at the time so it was very hard for me to look into it! Anyway by the time…
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Help with a complaints Letter please
Hi all I dont know if i am posting on the right bit but wasn't sure where else to put it, I need help with writing a complaints letter to Welcome finance about how i was treated by one of their local brance managers (People who have dealt with welcome will understand). basically ive been struggling to pay them due to OH…
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MBNA - who owns the debt
I had an MBNA card about 5 years ago & whilst I have a balance of about 3k on this, I did have an arrangement with them to pay off about £75 per month. then I missed one, they then cancelled the arrangement & passed it to AIC, I wrote to them, they were'nt very helpful, left it a while. Since all of this I then get letters…
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DMP & Claiming PPI
Hello everyone, Firstly please move this email to the PPI section if anyone feel this is the wrong place. I am looking to claim back my ppi payments as I am unaware of being asked about whether I wanted it or not. I am currently half way through a 6 year DMP and I know that if I get any refunds it would go to paying off…
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Defaults on credit file
Hi, i have a few defaults on my credit file and have been looking around at how long they are on there for and some people are saying 6 years.. but if they have still not been completely paid will they be removed?? Also i had a few items from the time i just turned 18 (im 27 now) and went credit crazy... mobile phone bill…
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Council Tax/Bristow & Sutor
Hi, Two things I want to try & get advice on is: Business rates; About 7 years ago, I had a small office of which I somehow did'nt pay business rates on, once I had the bill from the council, I started to make payments (£20 pm) as this was as much as I could afford at the time, anyway I managed to get it down to about £200…
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F&F settlements not being accepted!!!
have debts with HSBC, Halfax and MBNA, currently on a DMP (with a fee paying company, wrong move i know!!) however i have been given some money of which i can pay off around 70% of all of my debts!!! i have sent them letters (a template i got from the nationaldebtline website) and all have come back saying they will not…
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Being chased for council tax i do not owe
Desperately need some advice. I lived in a student house all full-time students exempt from council tax three years ago. Then at my present address out of the blue a bill arrived saying my council tax was overdue and I would be in court if I didnt pay it.It took three years to get this bill out of the blue. As soon as I…
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DMP or other options?
I may be entering a DMP. I have 6 creditors I owe money to.. 4 payday loan companies a CC and a Catalogue. The 4 payday loan companies are the ones I'm struggling to pay, I have always kept upto date with my cc and catalogue. My entering a DMP I will end up defaulting on this account. My original plan was to always keep…
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Newbe wanting tax advice
Hi all, Any advice would be greatly appreciated. I am self employed but took some employed work during hard times where I was rightly emergency taxed. Only the boss wasn't paying my tax correctly, if at all. I didn't know this until I received a tax bill for £2973 As I am self employed and too honest I declared all my self…
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Credit Reports - Updated How Often?
I want to apply for my credit reports from the various agencies to confirm my own records as to exactly who has defaulted us so far. I will only be paying for the statutory reports rather than monthly access, but I'm not sure when to apply for them as I would like the info to be as current as possible. Do they all update…
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There are sensible people out there!
I was speaking to a friend last night, who although she was laughing about her 19 year old son, is extremely proud of the fact that he is very careful about not getting into debt, to the point that he has a spreadsheet running and if the spreadsheet doesn't say yes, he doesn't buy. I know that many have learnt this leasson…
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Identity Fraud
Someone has been trying to buy things on credit from Littlewoods using my name and address. I got a letter from them saying that the credit has been refused and suggesting that I contact their credit reference agency, Equifax. I tried to get a "Free" credit report from Equifax but they insist on taking my Credit Card…
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Likelihood of a CCJ
If you enter into a DMP, what are the chances that a creditor may refuse and you end up with a CJ. I live with my parents, have a different surname but as it isn't legally my house can someone still put a charge on it. I don't know if I've misunderstood what happens with regards to a CCJ but would be grateful for any…
