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Ideas, please help. Running out of hope fast.
I've got myself into a bit of a pickle basically. I know I am entirely responsible for this mess, and I am working to resolve it, but any extra help, support and ideas to make things easier are gratefully appreciated. I have (today) cleared two months arrears on my rent, only to get a court summons when I got in from work…
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Capquest Debt?
Hello i am new to the forum and i received a two letters this morning. The first has a black 'header' with white 'foreground' lettering saying: 'Shop Direct Finance Company Limited' Then my name and address Then something that looks like this: l.lll.i..ll.l.lll.ll.lll.ii.ll then one of those square barcode thingys you can…
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please help should i go bankrupt?
Please help should i go bankrupt or enter into a IVA? im scared of losing my home. Most of the debts are business debts but as a sole trader i know i am liable for them. My husband and i have just had a baby so that's why my earnings are low. Dont know where to start, the vat i owe is now going to court and i will be…
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CCJ form help
hello all, My wife has received a CCJ form to fill out and return. Its a long story as to why it has been issued but that is not why I am posting here. My question is regarding the admission form etc (N9). On it asks for expenditure and amounts of income etc - My wife has not worked for some years and so in the section for…
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requesting CCA advice
a debt of mine for lloyds was passed to the moorcroft group despite me being on an agreed payment plan, after reading a thread on here I followed the advice of sending a request for a CCA with no signature on the letter. I have received a letter back stating that all cca requests must be signed to ensure data is protected,…
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Letter from Scotcall Limited
Hi everyone, I've had some really helpful advice in the past from this site and I'm back again! Just had a letter through the door from Scotcall, they are saying I owe £1400 on an old credit card account - the account in question was one I took when i was about 20, so 8 years ago, I don't think i have had anything to do…
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Should i make them an offer ???
Should i make them an offer ??? Hi guys first time posting so please be gentle :) Ok in 2008 i took out a £13000 loan with hsbc it costs me £308 a month to pay back i have never missed a payment and im in the situation of paying it off fully due to a mixture of a payrise , backpay ,savings and a £1500 gift off my mum :) i…
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Old credit card debt
Hi, I have just received a county court claim for a credit card debt in 2006, i have not received any paperwork asking for payments to be made, and i have not got any of the original paperwork, i dont dispute the fact i took it out, but seeing as i have not had any notification i wonder where i stand.
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Can I get a CCJ without knowing about it?
I'm concerned about phone calls my ex father in law has been getting, chasing me for money I allegedly owe. It's not on my credit file, and I can't think what it could be. It sounds like it may be a scam, but I'm worried in case it's something genuine, and I can't find out who they are, and they're clearly not able to find…
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Thanks for all of the support...
Just to update quickly, when DH got home from work today we sat and looked at our finances and decided that if we pooled my PPI repayment and his together we could just wipe out my debts all together...which I have just finished doing....it's the fastest £9000 ever spent! :eek::eek: I will however be paying him back the…
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My SOA - Time To Take Action
Hi Folks, I joined this forum last year and have made a few contributions. I've encountered a few life changes and I need to start addressing the debts that I am carrying around whether these are my own or my partners. I have completed an SOA this morning and what an interesting eye opener it is once you see it all…
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help- old debt
i am being chased for a debt from capquest for £1750 for an old student over draft. they have sent me a letter saying they will reduce this to £1250 if i pay over 3 months. i only work part time, am a single parent. i just cant afford it. what can i do? can i ask them to send it back to natwest and deal with them instead…
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Spoke to pay plan . Right decision?
Hello , I hope that one of you kind people can help with my situation. My financial situation : Mortgage approx £88,000. Santander Whie label loan secured£20,000 approx 17 years left Property worth £250000 Credit card rbs. £7400 Credit card Santander £1100 Barclay loan £7500 approx Santander loan£10000 Barclays overdraft…
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council tax been passed on to equita bailiffs HELP!!!!
Hi I am in abit of a problem with the equita bailiffs, I payed late a few times and missed a payment with the council tax and they passed it on to equita and equita sent me a letter out stating how much i owe ect so i rang them up stateing i payed the council tax a day before the letter came to me to the amount on the…
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Moorcroft Settlement Figure - advice please
I have a debt being managed by Moorcroft which I was hoping to clear. I have been paying £60 per month since July 2011 and I have rung them this morning for a balance and a settlement figure. I still owe £701.98 they offered a settlement of £500 I told them the maximum I could settle in one go was £380, she went away and…
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Weekly Spend Challenge w/c 12 Feb 2012
Hello everyone. Welcome to the Weekly Spend Challenge. This challenge is open to anybody, no matter what financial place they are in. On this thread please post an amount of money you wish to stay below within the week (Sunday to end of working day on Friday). This can be pennies or thousands it depends on the individual.…
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Sat 11th/Sun 12th What Small DFW will you do this Weekend?
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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Wanting to clear debts
Hi - thanks for the taking the time to read this. Long story short - we are with a debt consolidation plan, have been for about 2 years. I work part time 30 hours a month term time in a school earning £740 a month. Hubby is currently working his 3 months notice for where he has been for 24 years. He is full time bringing…
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Advice on a Default & Non Enforcable Account Please
Company: Mint Amount: £4000 Default date: 02.06.08 Last payment made: July 2009 (approx) CCA: Couldnt produce a signed one so stopped paying Can someone please answer a few questions on the above? Account passed to several DCAs and I have been doing the CCA request with them all and they back off. When will this default…
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different levels of default
I am currently making token payments to my credit card of around one third of the minimum payment of £150. Apparently, this will lead me into a default situation later this year. I have no other debts or arrears, and I am currently living on Pension Credits and Housing Benefit, having given up work last year due to…
