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confused by CCJ's
Hi all, I was wondering if somebody would be able to help? Having got myself in a bit of a mess financially over the past few years I'm pleased to report I'm now making some headway with it. One thing I would like to do it make sure that everything is satisfied including CCJ's. I've checked my Equifax report which is…
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Problems With Lowell Financial (Help needed)
Hello I'm seething!:mad: The problem we have is LOWELL FINANCIAL My husband and myself recently became redundant and fell behind with the credit repayments. (my husband is now back in full time work and i have just set up my own business.) We called the above people to arrange a repayment plan and couldn't believe the the…
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Santander CCA Request Returned
Hello, Back to the only decent source of information I seem to be able to find. All of the usual 'advice lines', FOS etc, are a complete waste of time. I have been trying to obtain a copy of the terms and conditions of my loan for some time now. I'm not trying to wriggle out of paying for it or anything like that.…
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H m customs bailiff letter - for money i don't owe - help
I had a letter from the Bailiffs regarding a debt for H M Customs for a tax bill at a period of time that I was unemployed. It appears that my Accountant hadn't sent the forms to inform them that I was no longer self employed or had my business. I have rung HM Customs who are sending me the forms for me to fill out to…
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Getting loan interest reduced
Is there a template anywhere on site that i can send to Natwest requestin help with my loan.I am struyggling to keep up to date and want to send them soa nad requsdet they reduce instead of dmp or iva. Thx T
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Can a creditor do anything if I have no money?
I am making pro rata payments at the moment after redundancy, I have no assets etc no home, nothing of value, can they do anything to me?
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Default timing
Quick question - When should a default be registered? I was on a DMP through CCCS from 2004 through to 2010 and have now cleared all my debts. I had two defaults registered against me; while one was registered soon after I went on to the DMP, the other one was registered by Capital One at the same time the account was…
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Please help xx
Hi I am new here, have posted on the credit card and loans forum and was sent here as told that I will get some good advice from here! We have never been in this situation before and I feel physically sick! We have had a bad few months and things are just going from bad to worse. We have a credit card, the interest is high…
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Legal life of a debt
Hi Guys Just wondering, if i a owe a debt, say to sky or any other company, and the debt is sold onto a debt collection firm or is passed onto a firm which represents sky. And the debt is a number of years old, is the debt legally expired after an amount of time? Just thought i would ask as lot of clever people on these…
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Can the CAB do anything I can't do myself?
I was with CCCS but they said they can't help me as I don't have enough income although they worked out my budget, sent me template letters etc to send to creditors, I phoned the CAB to enquire about a debt relief order and they seem keen to set me up on a DMP, whats the pros and cons of them doing it V me doing it myself…
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Frederick International
Hi, For the last couple of weeks I have been receiving calls and texts from Frederickson International. I am used to dealing with DCA's so am not worrying about this. I inform them that I am not willing to provide them with my personal information unless they tell me what they are calling about and they say they cannot…
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Bank smart - avoid this company!!!
I would like everyone on this website to be made aware NOT to use claims management company called Bank Smart. I signed up with Bank Smart in November last year; big mistake!! They gave me a business address in Truro, Cornwall in order to send documentation too. I sent them 6 years worth of credit card statements, and…
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Can someone please help me!!!
I'm not sure where this goes or if there is anyone here that can help but its to do with income tax. I started a new job recently and have just had my first month payslip. My basic was £2,662 and the tax was £865. This is without national insurance. That seems a lot of income tax to pay on £2,662. I called payroll and they…
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Monday 5th March - 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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I'm at breaking point... Please help...
Hi everyone, I've decided to sign up to your site after looking for advice on some debt that I'm currently in. I'm about to reach breaking point, I feel like I can't cope any longer, and I'd appreciate it if you could possibly help me become debt free. I've been a complete idiot, and I've done the cardinal sin of borrowing…
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holiday/long term living abroad
I am planning on living in china for 6 months to a year maybe more, I have worked out how much it will cost for a year, including travel, room and board and its fully catered. i was just wondering if anyone had any advice in this area for how much I should take for spending money over there, to last me this long. any…
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motivation, help and advice needed please
My boyfriend and I have just bought our first house. It has turned out to be a nightmare and we have spent well over the amount we had saved to do it up. I have managed to rack up 6k on my credit card and need motivation and help to get it back to zero ASAP. We are also getting married in October and have a remaining…
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Fairfax - What powers do they have?
Hi All Its my first post, and I'm looking for some info on Fairfax Solicitors regarding money they're collecting for past child support. I've never had an issue paying child support, and this money came to be owed due to miscalculations by the CSA over a decade ago. I've been paying them over £500 a month direct from my…
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must I pay?
I've been getting into computers for the last couple of years, so I decided to get some web-space and create a website, just to see how difficult it would be. I paid about £20 for the web-space for a one-year contract. It turned out that web design wasn’t for me, so I didn’t even consider renewing my subscription. That was…
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PPI and OFF SET
Hi all, Just wondering, if my Natwest loan was sold to another company and I try to get my PPI back can they Off Set against any loss the incur from selling my debt?
