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Debt Free Advise - Please!!!
Hi, I’m wondering if anyone can help me with some good advice about my debts. My situation is maybe a bit unusual. 10 years ago I was diagnosed with an illness that I never really came to terms with. Consequently I have over the last 10 years ran up a lot of debt and most recently I have developed a gambling problem. I am…
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advide needed on redundancy and debt :(
redundancy is ineviatable for my husband- possibly getting notice in july, maybe sooner :( we would be ok in the 12weeks notice period and also would live of his redundcay sensibly which would last @ 13 weeks if he was to get minimum redundancy my question is what would happen to our debt? of course i know it will need…
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Defaulted 2 months ago
Chances of getting it removed if I pay it off today? Gesture of goodwill and all that....
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an update
hi everyone, today i sent letter from cccs to qquid and another company telling them that all will be now through them.. i opened a standard co op account and will get the account number on wednesday. so i can move wages, child benifit etc to that and any d/d . i have just not been answering telephone as im sure they will…
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Debt Collection Letter - Out of the blue...
Hi All, I have had a letter from Arrow Global saying I owe £543.54 from 2004. I have no idea what this is for, is it still enforceable after this time ? Would you recommend I write/email or call these people to seek clarification ? Thanks in advance. Jay
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Estate agent mess up
Hi, I am hoping that one of you clever people out there can help me. I was recently living in a flat that I rented through a letting agent. The conditions were dreadful and the customer service I recieved was dreadful. They did not fulfill their obligations although they disagree, obviously. Anyway, I had to move out when…
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Wescot Spv - Statute Barred
I have just found out today that I have recently been given a CCJ for a littlewoods debt of £1191.13 that is over 10 years old, the CCJ was served on 15/02/2012. How do I stand with regards to applying for this debt to be Statute Barred? Thanks in advance
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DCA Chasing Old Debt
Hi there, I have recently been contacted by a DCA chasingan old debt I had with a store card. As I am now on the electoral roll theyhave written to me at my new address. I ran into trouble paying the card paymentsprobably a good 8 or 9 years ago. It then got passed to this DCA whocontiunuously chased me for payment ever…
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Removing a default
Hi All Will try cutting my long story very short I am a 25 year old male, always had good credit and never ever missed a payment for anything in my adult life. My partner is not so careful with money, she basically had a Avon account which was in my name (another long story), and somehow she ended up owing them money…
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No longer with CCCS should we self manage SOA or go bankrupt
Heres our SOA Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 5 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 0 Partners monthly income after tax....... 2219…
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Thursday 31st May - 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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Westcot - doorstep agents
I stumbled across this thread from a search on Westcot. They are chasing me for a sizeable credit card debt which I ran up after someone i did work for didn't pay me and then went out of business (limited company, no comeback etc) Anyway, I've paid nothing to this debt in 2 years and, rightly or wrongly, because I was…
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Default advice
Good Evening Looking for advice on the following situation. I took out a hire with Dell Financial Service CIT Group in 2007 for a laptop, which I messed around with payment's. On 19/03/2008 I received a letter from Moorfcroft who had been instucted by CIT Group (UK) Ltd to collect my overdue balance of £671. It came with…
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New job, sorting out budget and planning for future.
Hello, I am not sure if I should post this here or in budgeting, however I find that here people have a very good idea on expenses and acceptable amounts. I have just started a new job, should be permenant and have hopefully figured out my monthly income. I would like to start with making a proper budget to allow for all…
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Buchanan Clark & Wells
Bit of background first - split from ex last year, she is one of life`s bill horders and created a lot of debt without my knowledge.When we split I took my CC debt and am paying that, this is my only debt that I am aware of. Both moved on, new partners etc. Got a "verification" letter yesterday from Buchanan Clark & Wells…
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problems removing faults from credit report
Hi everyone, I'm currently having problems with getting faults removed from my credit report that are totally incorrect. I've contacted the guilty parties, Vodafone and Santander, via their customer services several times and been fobbed off or sent in circles. Anyone know where i stand legally with this and/or a quick and…
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Redetermination hearing - HELP!!
:( Hi, I am due to attend a redetermination hearing on 6th July at my local County Court - all thanks to Fiat (will never buy a car off them again)! I have been on a DMP since May 2011 with a charity organisation and all of my creditors have accepted the reduced payments very politely except for Fiat/FGA Capital Uk Ltd. I…
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** JUNE Make £10 a Day Challenge! All Welcome! **
:j:T:j Hello to all newbies and regulars and welcome to the June £10 a day Challenge of 2012. This challenge first started in September 2007, so this will be the 58th Month that this challenge has been going . So thanks Batgirl for starting it and SweetPeas, Aesop, Monkeynut, Purpleroses, JesaRose and MizMir, who also keep…
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Lowell Portfolio Ltd
Hi, Just wanted a bit of advice, ongoing situation over debts etc....i have just subscribed to credit expert to see how bad my credit file is. There is an unrecorded enquiry on the 18th May by Lowell Portfolio, i haven't applied for any credit/finance etc recently, then i found out they were a debt collection company. How…
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Equifax and Default Help please :o)
Hi all, I'm tidying up my credit report (or attempting to!!). I joined Equifax a couple of weeks ago and note that there are 6 defaulted accounts on there. Only one is valid - the other accounts I had full and final settlement figures agreed with DCAs. I sent off £1 to each asking them to remove the defaults as they were…
