-
Quick question about DMP
Hello, Just a quick question to anyone who knows, after sending all my paperwork off to StepChange via email how long does it take (roughly) for a DMP to be set up? Just wondering as I have payday loans due for repayment tomorrow which I cannot meet and I know I will be harrased by them non-stop after tomorrow even though…
-
Received a debt letter with the wrong sir name
So today I got a debt collection letter with the wrong sir name. I also found out their address is from a virtual room that they don't even rent and never have as I rung the company. There were also spelling mistakes everywhere. The company is registered with companys house but only from a few months ago. They are…
-
SpeedCredit/NDR
Hello all I have been going through some financial difficulty and I am now in process of having lawrence charlton act on my behalf who have been brilliant might I add. My main concern is from speed credit who have now passed my debt onto northern debt recovery - greg campbell. I have received a email from them today…
-
A little "whoo hoo"
I have been doing the sealed pot challenge for almost a year now and have got almost £3000 from it. I sent my debt a cheque of overpayment last week and today got a letter from them saying I've only got 29 payments left. That means I've cut about a year off it this year by doing the sealed pot challenge and I also cut a…
-
Default questions?
Can you get defaulted twice for the same account? Do creditors still have the right to send debt letters after 6 years of defaulting? Does a default happen after 3 months of non payment? then why is default date showing 2008 on my credit report when i defaulted in 2006? can a CCJ come anytime after default? Is there a…
-
Credit record help - Naughty Cabot
Hi all. I used to be a regular to get help with debts which I ran up years ago. I became unable to pay six years ago, so I decided to be brave and get my credit report. I'm hoping to apply for a mortgage in the next few months to a year so thought it would be time to start rebuilding. I don't really understand it all. In…
-
Unfair Default - how to remove?
Hi, I have seen there are other unfair default posts but most people seemed to have actually defaulted and knew about it so my question has not really been answered....also, not even sure if this is the right forum area to be posting this (sorry mods!) so here goes..... I have been looking to remortgage recently, found an…
-
Can't seem to escape this debt
Hi all, Been lurking on this forum for ages and its often such an inspirational read. I see posts from others and it gives me a positive boost to get debt free but I never seem to do it. All my available credit is maxed out, I pay the minimums on everything, i got paid this week and already £840 has left my account on its…
-
Confirmed Resident Card!!
Hi All, Ive received a yellow card in an envelope via the post, the title is CONFIRMED RESIDENT dated 22 Nov 2012. It says this account is seriously in arrears and you have failed to reply to correspondence or make a payment arrangement despite trace enquiries showing you as living at this address. If I dont contact them…
-
Is a new mobile contract possible
Both myself and partner are in the process of going onto an IVA (for which thanks to this site and the forums for guidance). A question that occurs though is once on it will there be any problem renewing a mobile contract or changing to a different network as the bills for the old one will have continued to be payed under…
-
Immediate Financial - Am I stuck with them?
Good afternoon all, I am currently in a debt management plan with Immediate financial and I feel that it is not progressing anywhere fast and want to know how and if I can get out of it and use another method! I started the plan 2 1/2 years ago, but just feel that they are doing very little to help out and say I have years…
-
Sold on debt and CCA
Hi all Hope you can offer some advice. My wife has a credit card that she took out years and years ago - probably 1990 ish. We've been on a repayment plan with it for three years now and the balance is going down ever so gradually. Suddenly, we get a letter to advise us that the debt has been sold on and the company (car…
-
Clearing our old debts and tidying up my credit record
Hi, I've got two credit agreements totalling ~£500 and a CCJ of £587. Credit agreements: I've attempted to clear the credit agreements off after checking my credit report. They're listed as Arrow Group but have been passed to Rossendales. I've got my case number for them both but Rossendales isn't accepting that number via…
-
Default liability question
(Text removed by MSE Forum Team) I was wondering that if you pay a default does it make you liable that you were aware of it? Even if you paid it off via debt recovery agency and only paid it off to stop letters. as stated here
-
really scared about my debts
I have been doing my own DMP for about 4 years now everything been going ok . I pay my creditors very small amounts considering how much i owe them so basically i cant see any end to my DMP . I scares me so much the thought of still being in debt in another 30 or 40 years time . It has been suggested to me that it may be…
-
Finally debt free
Reached the end of a very long journey after a second light bulb moment in the middle of the year. I have just paid the last £250 off a V%rg$n credit card which I have also just cut up. Now begins the more difficult part for me which is remaining debt free. It is all too tempting to start spending again and I need to…
-
Thursday 29th November - 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…
-
Statement of Affairs Question
Hiya, My friend is today going to court to provide financial information for a CCJ she has, she has completed a SOA which shows that if she offers £500 per month ( debt is £6000 ) then she will have a surplus at the end of the month of £369 My question is whether having that much of a surplus is deemed a negative and…
-
Can UK debt be recovered in Holland/Belgium?
Does anyone know if a UK credit card debt can be recovered in mainland Europe? About 4yrs ago I left the UK but before I did I paid my debts in full, the only money still owing in my name was about 3k which was my ex-girlfriends share of a joint credit card account, I was the main cardholder and she was the supplementary.…
-
Set aside CCJ
Evening all Had a CCJ issued to me back in December 2012 which has only come to light from recently looking at my credit report and was something for £123.I never received any paperwork or confirmation that the CCJ had been issued to me so upon taking advice from National Debtline I put an N244 application into the court…
