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Ex not contributing towards debts - help
Hi there As the title says, we have been separated for almost 2 years but ex is not contributing towards our joint debts. I have taken legal advice and they have said that as part of a divorce petition I would need to submit a financial statement and I'm presuming the courts would decide who has to pay what. Has anyone…
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Credit scoring issues
Hi there I wonder if you can help.....this is my financial situation, and I am not sure how to proceed... Bank Accounts- Santander- balance £250 (main current acc) Natwest ISA- £1030 Natwest e-savings £225 Barclays Overdraft (from being a student) - -£1600 Capital One credit card- balance £1560 (limit £1600) Defaulted…
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I&E Form for "Motoring" when car is on Motability?
For the purpose of debt management: Was chatting to someone the other day about I&E forms... when a person has a car on Motability, do they put own thier motoring costs as £54.05 per week plus what ever fuel they use? Most people with a private car include fuel, maintenence, insurance, MOT, VED etc... But when the car is…
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high court enforcement officer
hi i am after a bit of advice i had a bang on the door on thursday night about 8oclock and a bloke stood there he asked for my wife to which i rather stupidly said she dosnt live here he said he was a high court enforcement officer and that he had to speak to her urgently i said i didnt have any contact details and he kept…
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Moment of realisation
Here goes....finally accepted that things are pretty bad with my finances and the poor management of the past 5 yrs have finally caught up with me. Just hope I haven't left it too late:(
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Gothia/redcastle are they open tommorrow bank holiday monday
Just wondering if red castle/gothic are open tommorrow or bank holiday Monday. I have an urgent issue that needs to be resolved
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Welcome finance default
Hi all, another welcome finance question! Sent for and received an sar just within the 40 day limit. However there is no reference on any of the documentation of my default issued on the 28/04/2010 abbreviation or otherwise - should there be? I have read that I should also receive a copy there internally signed default…
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How do I repay my overdraft?
As you can see from my signature, I have a 2K overdraft with Halifax. I want to repay £50 pcm. I have heard that you cannot reduce the OD amount monthly because you are credit checked each time and you may not even be allowed the original amount (i.e. need to repay in full) Problem I struggle to keep the O/D below -2000, I…
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Dealing with someone else's debt, when debtor is mentally ill [Lowells]
This is a long post. The first half is for general context, whereas the second half relates to the actual problem - many thanks for reading. Background - my mum has had some serious issues with debt in the past, in terms of borrowing amounts that she knew could not be repaid, incurring utilities arrears, and so on.…
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Is there any help for money lost through a confidence trick?
Hi I am writing here anonymously on behalf of a friend, who has confided in me and who I would like to help, but has no knowledge of this posting. In order to protect the identity of my friend I have gone to reasonable security lengths to make this account anonymous and hard to identify - though would appreciate it if…
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Bank Accounts
Hi, I have been with HSBC for all of my banking life, and as a bank i dont mind them at all but i have had so many negative interactions and also human interactions that i imagine my account is riddled with notes and detrimental information and so i feel that the best way to progress may be to move banks so that they would…
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Financial Associates
Hi, I have 4 clean accounts and 4 defaulted, one about to drop off and one about to be marked settled, the other two defaulted will be marked settled in the coming weeks/months. When this happens i want to start building up my credit rating with a view to ultimately buying a house. I'm becoming cash rich but my credit is…
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HSBC Forced a Managed Loan
Hi All, Took out a personal loan with HSBC 11 years ago which (when i ran into trouble) was forceably turned into a 'Managed Loan'. As a result (though i dont have the totals yet) i will have paid a ridiculous amount of interest and i dont feel their handling of this account was fair, i feel that they forced me into a…
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Credit Report Advice
Hi, Trying to get things in order and i have a few CR related questions.. I just cleared a defaulted debt, so this will be marked as settled, this i understand, but can anyone advise on if this still takes 6 years to drop off my file and if so how bad will a settled default be perceived? I have another default which was…
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cca's how do you know if there enforceable debts?
Hi new tobthe forum but ive been reading about sending creditors ccas but how do you know if they are enforcable debts or not? and what do you do if the turn out to be unenforceable? been paying off.5 debts since 2009 and all but one is a default. TIA
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CCJ and Charging Order same day
I had a credit card debt with HSBC for £2399. I have been paying this since CAB agreed a figure with them on my behalf when I was ill I have never defaulted on the payment but over a year ago HSBC sold the debt to a collections agency. I set up a standing order to pay them and continued to pay HSBC. I have never been…
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Help with Everyday Loans
My son took out a loan with Everyday loand in September 2012. Unfortunately in November 2012 he lost his job and since then this company has been harassing us. As a result of this I have agreed to make the repayments on his loan as this company had my mobile number and wore me down. I an ill afford to repay this loan as…
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Threatened with prison/bankruptcy
I've received a letter today regarding outstanding council tax debt from a council in England, I live in Scotland now. They are threatening to commit me to prison or apply for bankruptcy. They say I must meet with a council representative at the court or pay the full amount before that date. As I now live nowhere near this…
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How to feed the animals? Eeekkk
Ok, so I have two dogs, one very large and one medium sized. The large dog eats a lot of course and the medium dog can only eat cheap food, he had problems and was put on Chappy, well I have moved him to WAGG now and he's fine. Anyway the big dog, she is a Lab X and has developed really bad skin/coat. So she needs…
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Capquest registered default
Hi everyone, I am hoping to get some clear advice as to how to deal with a situation. I have been reading lots of forums and I'm going round in circles!! Back in 2003 I had an account with Smile, for which I had an overdraft. Unfortunately I got into difficulties and overdraft fees kept piling on leading me to accumulate a…
