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BT chasing me for payments after I moved out of address.
I recently recieved a letter from a debt collector stating that I owe them £529 on behalf of BT. I have contacted BT asking them to send me any details they hold on this debt (payments made / missed etc) and I recieved a reply from them today. It shows a list of all payments made by myself for the address I lived at. Then…
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HELP -Moorcroft Debt - Just when I thought I was home and dry....
Run of events this morning to Moorcroft Debt Recovery 18/02/2012 I received two letters to the address I am now living at, regarding a gas and electric account which I was not aware of. I called immediately on my mobile phone. at 11:11am to clear the accounts. The first account was for £588 and after some data protection…
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Best way to clear debt - card or loan?
Hi Just wanted some advice really please. I have a combined debt of £17,500 from mine and my partner's credit cards (she is not working as she has been suffering from long time illness). I am in full time employment earning a good salary but the debts seem to have got carried away. I have been looking at the best way to…
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Struggling :(
Hi all, first time posting on here! I'm Beth - a 29yr old staff nurse who's working full time and really struggling to make ends meet. I have two children who live with me aged 3 and 5. I'm going through a divorce at the min and am currently paying a rent on my current house, and half the mortgage on the 'marital home' as…
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Mine and ex partners joint account in debt.
Hello! Me and my partner broke up 6 months ago and he moved out of our joint mortgaged house. Since then the joint bank account we have with Lloyds has gone into 2k of debt. Around £350 of this is charges as there was not enough money in there for my bills as I have been struggling alone. He refuses to pay anything for the…
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Please can you help me with £0.00 leftover!
Hi Everyone, my first post, I have two credit cards and two loans and two overdrafts and a mortgage. Each month we have enough coming in for bills and debt repayment. I've taken a part-time second job, have sold things on Ebay, used MusicMagpie, do online surveys and research etc. To be honest nothing else really left to…
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Newbie help to be able to have enough money.
Hi Everyone, my first post, I have two credit cards and two loans and two overdrafts and a mortgage. Each month we have enough coming in for bills and debt repayment. I've taken a part-time second job, have sold things on Ebay, used MusicMagpie, do online surveys and research etc. To be honest nothing else really left to…
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Default Removal
A drama with Barclaycard is dragging on. Account taken out between 2002-2004. Short story. CCA requested. Nothing provided by Barclaycard SAR Made; No CCA present, just copy of old application form with no real relevant terms http://i26.tinypic.com/1zppq44.jpg Account in Dispute Due No CCA Mercers defaulted me;…
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Saturday/Sunday 18th/19th February - What small DFW things will you be doing this wee
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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rent owing to council???
hello this is my first post here just after a bit of advice as searching the forums i cant find anything that matches my problem many thanks in advance for any help you can give to me i left a council house back in 2001 as far as i was aware all the rent and other charges they decided at the time was payed in full…
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Please help
Hiya all. im realy stuck and a novice on all this debt problems, i was young and dumb but now facing reality i regret screwing up.. i need ppl to help me tell me when will the defaults below be removed from my account. i heared after 6 years they just gi paid or even unpaid Capquest Opening balance £ 446 Date of default…
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I owe 15k and need some advice..
Hi, can anyone give me some advice as to what the best options you think are in my situation. I have a loan of about 9k plus I owe 6k in credit cards. I get paid £1800 p/month after tax and I pay about £400 a month for loan + cards. After child maintenance, rent, travelling, I'm left with nothing and very often I'm having…
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Civil case
Company X is a travel agency person A has booked tickets with. Person A owes money to person B and so person B comes to know of the booking and phones up company X to cancel the ticket by impersonating person A. Tickets are cancelled. Person B was given a caution by the police after person A reported the incident. Person A…
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Sold Debt for Bank Charges
I'm aware that it's possible to reclaim charges for going overdrawn etc and this is what I plan to do (due to going 80pence overdrawn, and mounting charges, now owe over 200quid!!) BUT, the bank appears to have sold the debt to a recovery agency... will this mean I can no longer try and reclaim the charges? o_O
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wonga help plzzzzzzzzz
Hi, im sure you probably already know whats coming as i have read so many posts on wonga it untrue lol. Basically I have got myself into a pickle with them (which is really easily done) and im struggling to get out of it. Basically i owe them roughly £300 which is due to come out on the 24th (friday) and I simply cant…
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Money Shop - Bounced Cheque
Hi, Just looking for a bit of advice for the other half :) He currently has a debt with the Money Shop for almost 900 quid, though it appears this has been sold to several debt collectors. The issue surrounding this is that when working for his previous employers, he cashed his paychecks with the Money Shop only for the…
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Wonga (now passed to Gothia) Pay Day Loan Debt
Hi - just looking to see if anyone has advice regarding a payday loan from over a year ago that has been passed to Gothia from Wonga. I had been reading that you should ask for the debt to be reduced to the original amount advanced plus one month's interest. Wonga had added £1344 of interest and charges to the original…
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Sell house to clear debt??
Advice needed please! But first.... My Wife and I started a DMP with CCCS 5 years ago. We owed £100000. Not a typo, a hundred grand! About 70k of it on credit cards!!!:mad: We've managed to pay off half of the debt by now. Oh, and had two kids, and paid for a new kitchen and a new roof... The DMP has saved our lives - we…
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Anyone with experience of freezing interest with LLoyds?
We've got a personal loan with them (on our DMP naturally) but they're refusing to budge when it comes to interest. I have no issues that they want SOME interest on the loan, but right now the interest is more than the payment they're getting. So it's a waste of time and it's only delaying the inevitable. Has anyone had…
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Monument & my credit file
Hello, I had a debt with Monument which was sold onto the wonderful Arrow Global & then managed by Marlin Financial Services in 2007. I have since cleared all debts last year. I regularly checked Experian to ensure all was well, then found through another credit reference agency that Monument via Raphael & sons there…
