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Enforcement Jurisdiction - cross country (England, Wales, Northern Ireland, Scotland)
Hi, I have spent most of the day trying to find information on how debts are enforced if you move from one part of the UK to another. For example, I have moved back to Northern Ireland and was wondering how council tax and some credit card debts are likely to be enforced. For those that are interested I have found a very…
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Chased for secured loan,mortgage not even in my name
Hi, Never been on one of these so fingers crossed I get some advise My husband and I have been split up since 2008 and at that time I moved out of his house as it was solely in his name and mortgage. We moved in the house in 2006. In 2007 my ex took out a secured loan on the house and I was asked to sign it. We were…
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My financial affairs - AKA Why am I always skint?
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 1 Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 1885 Partners monthly income after tax....... 1613…
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Need help with Debt and low income
Hi Love this WEBSITE!!! Q: We are a family of 3 and my wife is expecting a second child in Feb 2012! Im currently working and our earnings for the combined household is £1700pm. My wife is a housewife and my little boy is 4 years old. My out goings is £1400pm incl Bills and monthly Loan. Im currently getting child support…
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Loan company stole from my account!!
Hi guys. I recently enquired about some payday loans as my cars MOT was a lot more than I was expecting. After a few enquiries, I settled on Wonga which was quick easy and paid back in full the next week. Upon checking my bank it seemed that I was £180 into my overdraft and was confused as to why. I rang my bank and they…
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Too good to be true?
Hi I just wanted to know your thoughts.. I have a wonga loan of 1500 to be repayed on 30th nov. I am able to repay it but each month I end up borrowing the money again and am in a cycle. I emailed wonga to tell them this and asked to repay over 6months. They replied straight away and have set this arrangement up.I can see…
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Joint Debt
Hopefully someone can help and advise me on this ... My ex and I had some joint debts which we've both been paying off. I took one credit card, he a loan of approx the same amount and we both settled the overdraft. I thought we were getting things sorted when a bailiff served a notice on me because there was a debt to do…
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Debt help please
Hello Ive come here for a bit of help. We have just recieved 2 letters each are a seperate debt of my Husbands from 11 years ago he was only 18 at the time,he has rang one letter and he cant remember even having a debt with the company we have'nt accept that he ows the money on that letter either as he cant remeber having…
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Independant Financial Advisor?
Hi all, I'm new to this so please be gentle! Im 25 and after 4 years at uni studying Law I have come away with crippling debts. I have two loans, one of which is a Regular Student Loan which I am paying a nominal amount back on, the other a Professional Studies Loan which I am paying a staggering £365 a month back on. I…
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Fredrickson International Limited keep sending letters
Hello all Today i think ive made the mistake of phoneing these people and giving all my details and im afraid that the debt will mow be in my name. A quick run down of what has been happening.... Was getting letters from Fredrickson international limited and by accident opened one of them up. I called the number up to say…
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Duplicate Debt
Hi There We have recently had a letter from a company called Equidebt Ltd requesting payment on a £500.00 debt with a company called Aktiv Kapital UK Limited. The thing is my wife had an agreement with a company called Scotcall for an almost identical amount with the same company which we settled in full last year. I…
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Judgetmenet order/Debts
Help pse what should I do pay up or fight it out: Just had judgement debt/order place against me and my wife for none payment of ground rent for a flat we own. We bought the property in Dec 09. The property has been rented out and we have never lived there. I have never received any notification of the debt or any other…
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Council Tax taken from Wages
Hi all, I am behind on my council tax - in fact I used to pay it at the end of the month and not the beginning but after 3 reminders the council asked for the full amount which I obviously couldnt afford So after asking me what I could afford and refusing that (I offered to pay the monthly amount) they applied for a…
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Letter from Wescot Credit Services
Hi all, Out of the blue this morning I have received a Notice of Debt Collection from Wescot Credit Services Ltd on behalf of Santander UK Plc for £301.44. I called the number as I said I know for a fact I do not owe Santander anything and they said it's from an old Alliance & leicester account - Santander have now taken…
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Capquest loan - unknown debt?
So I've just checked my creditfile and a debt with capquest has been added to my file. The amount is £2112 and account type is bank, account opened Jun 2002. It What can I do? Can I request who this debt is with from Capquest? all debts are cleared through my DRO so even if it's been passed on 2 years after will it stay on…
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DHL are useless!
Hi, looking for some advice here. In July this year, I bought 10 LED light bulbs from a supplier in China. These were only samples, and I was looking at the possibility of importing large quantities to sell in this country. When these arrived, I did not have to pay any customs duty through DHL as they were samples. In…
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Monday 21st November What Small DFW Things Will You Do 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…
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Offsetting rule question
I understand the general advice is not to bank where you have debts as companies can take money from your current account to pay off your debts. My question is this: does this apply even if you are servicing your debts as per the credit agreement? The reason I ask is that I have 2 credit cards (with different providers to…
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Paying A Debt Off
hi everyone:) just wanted to ask what the best way to pay a debt off is i have a few small debts.. one is with Scotcall for about £60 and they have an online payment system is this safe to use? also have one with clarity will paying this is a post office be ok? £340.. just want these to go away now after living with debt…
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AAAGGGHHH Moorcroft!!!!!
So im STILL trying to sort out an old T-Mobile debt that had been passed over to moorcroft. I posted the other day as i didnt know who i was meant to pay as still receive letters from t-mobile with balance etc (its my boyfriends debt but i sort it!) anyway he spoke to them and asked for a statement of affairs as they said…
