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Order to attend court for questioning.
I am worried and confused and hope that some of you can make this a bit clearer for me as to what the outcomes will be. As it stands my other half was to attend courtnon the 5th of july with regards to his debt with Nemo finance. (20k with payback of 36k) he didnt go as he was intended in going bankrupt. (and is still…
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Completed SOA.....advice please!
OMG!!! When laid out it is scarrrrrrry, but we have done it! Some things we know we are spending too much on and we are going to discuss these now, but thought i would post on for your views. In my earlier post i was thinking about selling one or both of my properties to try and make a dent in this mess but i am more…
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Not sure what to do
Hi I wonder if anyone can help, ive got so many figures running round my head. Ok so basically myself and my husband live in military accommodation and own a house which we rent, when he leaves the military we plan to get a house but we would probably have to sell the other one to have enough money to pay a deposit. So…
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how much would you
budget for an Mot? my car is an 03 plate and will probably need a service too. I know an mot is about £40 but what about a service and possible repairs. Any ideas
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Bailiffs, council tax!
Hello I am after some advice please? I owe £243 council tax and it was passed onto a bailiff from when I had a serious accident. They have been non stop recently and I don't answer the door, never have and they have never been inside my property. My bill now stands at 409. My mother is going to lend me the money to pay it…
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Moving abroad but want closure
I am moving to the US to be with my wife in January. I currently have circa £10,000 of unsecured debt (credit cards, overdraft) and some outstanding mobile phone/broadband contracts. I am not going to be in a position to settle this before I leave as I'm struggling to pay this as it stands, however I don't want to just…
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Help and advice needed please
Hi there, I'm looking for some advice. I was debt free for a while until I was made redundant and carless. New job appeared, bought a car on credit cards thinking this was the smart decision. This was about 3 years ago and I've hardly made a dent into it although I've tried to credit card juggle I am still £9k in debt. I'm…
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Utility Bill Credit Agreement
Firstly my apologies if this is posted in the wrong forum and secondly this could be a complex story, so I apologise for that to! I am a joint tenant of a rented property. Unfortunately the other tenant passed away at the end of August. By law this of course makes me now liable for everything related to the property in…
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Differing Scores!
Haven't been on here for ages, (husband diagnosed with Terminal Cancer. kinda puts things in a different persepective) just having a quick browse check my score on both experian and equifax,; Experian is Excellent 980 the Equifax is 336 poor, both have same accounts, information etc, any ideas anyone? I dont suppose it…
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How to spend £100
I have just been given £100 worth of vouchers as a bonus (for me to choose) from working very hard! I am EXTREMELY tempted to get something fun but I need bringing back to earth, any suggestions on what to do with them? I am moving house in november so I am thinking using them for something to do with that? I dont think I…
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Best way to sort out my situation?
Over the last 12 months I have managed to wipe £10k off my existing debts and by the end of the year I should be able to find another £5k to get it down to £17k. Im very lucky in that I have a good job that pays well but I have had to make sacrifices. The plan is to get it down to around £5k but mid 2013, then reclaim my…
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Stupid Debts....
Afternoon all, first post here and a new member so could really do with loads of advice, and apologies if any of this is in the wrong place! Basically, i got into trouble with quite a few payday lenders, using one to pay off another (very stupid im aware) until eventually it got to a point where when i got paid, i would be…
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Confused with 1st Credit, asked for credit agreement, received statements?
Hi all, thanks for all the help you have all offered so far with this one. We received a letter from 1st Credit a while back, asking us to pay up on a debt which I have no knowledge of, as advised I sent them a 'prove it ' letter asking for the credit agreement. This morning, we have received a pile of statements, but…
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Santander CC passed to Wescott help!
Hi All I have a CC with Santander - the debt has been passed to Wescott. I was self employed for a year and I really struggled. im 5 month into a great new job, we have a little one on the way. I have made token payments of £50 to Santander and I called them this morning as they have put loads of charges onto and the…
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Dealings with Iqor?
Has anyone else has dealings with this company who can give me some info on how they work etc please? Bombarded with calls and no one talking! Thanks in advance.
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Arrangements with Credit Card Providers
I have been told by a work colleague that she was able to organise an arrangement with her credit card provider, for the interest to be zero rated, and that it didn't have any impact on her credit file. Is anyone aware of this happening to them? If you do get an arrangement, is it marked on your credit file, for 6 years?…
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I finally admit it - I need help!
Hi all, I'm in a spiral of debt and really need help. I'd like to say I don't know how I got here but I do really, I've basically been living on my credit cards. Food, fuel, clothes (not excessively) you name it if there wasn't cash in the Bank I just used to whack it on the card thinking i'd pay it off the next month or…
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BC unable to supply a credit agreement to CCA request
Hi Hoping someone may have some advice on the following matter? Background Debt incurred to Egg Card originally who were taken over sometime back by Barclay Card Debt registered as Default on: 22/11/2006 Current Outstanding amount: £8,167.18 Monthly payment by CCCS payment plan: £60.74 I sent a CCA request to Barclay Card…
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Monday 17th September - What Debt Free Wannabee Things will you be Doing Today?
Monday 17th - What Debt Free Wannabee Things Will You Be Doing 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,…
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Recovering Head-In-Sand debtor
Hi all, Thought I would post a quick message to say Hi, I'm a new member and after reading countless threads on MSE over the past few months I thought it prudent to introduce myself finally. A few years ago whilst I was living in rented accomodation, I started having financial problems, mainly as a result of losing my job…
