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F.O.S. fees
hiya, anyone know how much the fos charge for bank charges claims going through them? thanks
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DMP questions
My credit cards are steadily increasing and the ability to pay them down is steadily decreasing - close to the point of having little left at the end of the month for essentials. From researching on the internet it looks like the best option is a DMP. I don't have much time on my hands due to working full time and a busy…
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Just been issued 2 ccj feel sick
Hi I have just set up a dmp and thought that woud be it. However, in the post this morning I have recevied 2 ccj one from Next and the other Santandar. It would seem that they have refused the offer from the dmp company. However, when filling in the amount I can afford to pay back I can only afford what the dmp company…
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Lloyds 'debt' sold to Lowell - advice please.
Quick background. I was made redundant late in 2005 and eventually lost my house (and some of my marbles) in the summer of 2007. A CCJ was issued, but I was able to sell the house and pay the remaining mortgage off - all clear. During this18 months Lloyds TSB continued to rack on charges and interest for bounced cheques,…
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Is a loan the best option?
Pretty new to this but just wanting a bit of advice as debts are starting to become hard to manage. I live with my husband and 2 children. We have the following debts: £5500 on a credit card (paying £125 per month) £5200 outstanding on a car loan (paying £165 per month) £1000 overdraft (approx £12 charges per month) £1470…
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Ex owes me £6-7k & we have a court case reg. commmon assault
Hello. I hope that maybe somebody can give me some constructive advice on how to handle my case. I was with my bf for 6 years, recently (3 months ago) we split up as i decided i no longer have feelings for him. during our relationship i lent him altogether around 13000-14000 and got more or less half of it back ( after…
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MBNA debts sold to Idem Servicing and Moorgate - advice please
Hello all, Haven't been on here for ages because things have been fairly quiet with regards to my DMP with the CCCS. But today i received two letters (identical except for company name, log and website) the upshot is both of my MBNA CC debts have been sold on to Moorgate and Idem Servicing. Has anyone had any dealings with…
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Demoralised- what's the point?
Hi all, am very fed up and just wondering if there's an alternative to the situation I'm in... I currently owe £11300 to HSBC, paying £432.11 a month. Most of the debt was from my idiot ex overspending on my account (I gave him a cashcard) and me paying the bills on our rented house even when I was working away and having…
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advice on idem servicing
hi i have just recieved letters regarding mbna selling my debt to idem servicing. has anyone had dealings with this firm as i carn't find out much about them please advise, big thanks
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Do I need to respond any further?
I have been living in my new home since April this year. Since then I have a lot of mail for the previous tenant. Even now, the most of mail is for them, despite my re posting them "not at this address". A few weeks ago there was a letter with no details on envelope apart from the previous tenants name, had no choice but…
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Made redundant while on a Debt Management Plan
Hello. I am on a Debt Management Plan with CCCS, and was recently told I am being made redundant at the end of November. Does anyone know what happens when you are on a DMP please? I have told CCCS and they just said let us know nearer the time which I wasn't really pleased with. I am due to get 10 weeks pay in my lump…
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Idem Servicing Partial Settlement / F&F?
Hi, I hope somebody can help! I have an old MBNA credit card that I am on an 'arrangement' with. I pay £90 a month and they have frozen the interest. This debt has now been sold to Idem Servicing on the same terms. My Father has offered to loan me some money so I can try to partially settle this debt. Has anybody made an…
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Who gave me a CCJ
Hi, I have a CCJ on my record I know the court that it was issued at and the case number from credit reports. However I am trying to find out Who the CCJ is from? It was issued to me on 05/2010 at an old address I have been at my new address since 05/2009 and on the electoral roll the entire time so I never received any…
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Help please! SOA attached.
Well basically, I've recently changed jobs and my first paycheck was lower than my previous job which meant that to get by i had to take out a payday loan to cover the difference so i can pay the bills. Below is an SOA of what my usual wage and outgoings would be on a month to month basis. My problem is now that i'm going…
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Help!
Hi all, and thanks in advance for taking the time to read this. Long story short (or as short as possible) I have recently been made redundant. I have debts amounting to approx £25000, including a loan, a car (not on HP) a credit card and an overdraft. I took PPI on one loan and credit card when I took it out, years ago,…
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Payday Loan - Debt
I was wondering if anyone could help me or give me some advice. I am going to default on 2 payday loans at the end of the month, as i haven't got the money to pay them. I have to pay my bills and living expenses and wont have any money left to pay the payday loan companies back. I owe £500 to Payday Express and £500 to…
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Debt Riddance
Hi, I wanted to ask if someone can provide me with information on how I can request CCAs etc in relation to debt I supposedly owe. The Breakdown of info is: - Barclaycard I took out a card in 2006 and apparently owe £800 on but they have produced no CCA at all. - British Gas say I owe £500 from a bill I disputed back in…
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Capital Credit Management Threatening Court Action
I received an email from a Neil Gilmore from Capital Credit Management Limited yesterday stating they have been trying to contact me regarding an outstanding balance of £250 from MEM Consumer Finance. I replied back stating that I do not deal with companies like these over the phones nor do I give my personal details over…
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Another Credit Report Question
1. If a current creditor hasn't registered a default on a experian and equifax does that mean that it's unlikely (5 months into my DMP now). 2. A lender could not produce a CCA but registered a default can they do this? thanks for any help.
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Loosing a battle! Debts and council tax
I am getting myself into a right state and I am not sure what to do , today I had a letter stating my local council are passing my council tax non payment onto bailiffs in the next 14 days unless I pay nearly £900. I did have a payment plan set up but the lady on the phone wouldn't let me do it for less that £120 a month…
