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Bailiff fees help please
I am hoping someone here can advise please. I have searched this on the internet and still cant make any sense of it. On the 11th April 2014, I received a Notice of Enforcement. This is for a debt I intend to dispute, Kind of!!. The same day I received the letter I emailed the enforcement agency offering a payment plan to…
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Please help £15k debt.
Hello, any advice would be much appreciated! I had a gambling problem which I've received counselling etc. this is no longer an issue, except the debt it has left me in. I'll get straight to the point. £5000 Personal Loan - £200 per month £2450 Credit Card 1 - £75 per month £2400 Credit Card 2 - £75 per month Pay Day…
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please help! i don't know where to turn!
Hi, my name is Emma. Please bear with me as it is quite a long winded story and i am at my wits end. This is the first time i have posted too, so, here goes; I bought a car on finance through carcraft and ended up in the same predicament as a lot of people from what i have read (wish i had done some research first!) with…
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Debt Gone missing!!
New to the forums so hello to you all My wife and I are halfway through a DMP, started at over £80k, now down to £34K so slowly, but surely getting rid of it all. We had 2 loans with Northern Rock, now NRAM. In Feb 2014 they apparently sold all unsecured loans onto Marlin Finance. We had a letter saying one loan is now…
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Full and Final settlement advice
Hi, Having got into financial difficulties around 2008, I have since been paying off my debts at a very slow rate with payplan on a debt management plan. At the current rate I can afford to commit to my debts will not be cleared until 2041! However, I am currently going through the process of PPI reclaim and have just had…
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CCA Reply how long does it take?
Hi There, I requested a CCA at the beginning of Feb, at the end of March they replied saying that they hadn't had a response from the creditor and the account was on hold-its now the end of April and I have heard nothing else? The reason I'm asking is i want to sort both accounts i have with this company with full and…
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Thursday 24th April - What small DFW things will you do today?
When we start out on the Debt-Free Wannabe 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…
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One off settlement offers
Hi I asked a debt recovery agency how much they would be willing to accept to clear the debt if I paid it off in a lump sum. They have said 'I confirm we could offer a one off settlement figure of £*** but this figure would only be valid for 21 days and would need to be paid in a one off payment. Please contact me to…
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Am I asking too much?
I am asking too much to hope that I can Settle my debts for around £9,000 to £10,000? The figures I owe are in my signature. It may be possible for me to get that kind of money from my family to pay off my debts. The £12998 and £7650 are with Mackenzie Hall (N-RAM and Marlin). The other is with Metropolitan collection…
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CCA act and agreements before 2007
hi guys long story short Lowell are taking me to court fot a crap one debt only supplied the bottom part of an application form from 2004 in response to a cca request. Im 99% sure ive not paid a penny towards this apart from the cca £1's as required anyway what part of the act tells them it has to have the terms as part of…
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What to do?!
Hi all, I am new here so apologise if this is posted in the wrong section! OK, I'm basically roughly 28K in debt which is just over my annual salary. I've pretty much come to the end of the line trying to pay back my debts so have currently been looking into contacting the Step Change debt charity in order to proceed with…
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Payplan, besides Income/expenditure, what else they require?
When phoning Payplan, and stepchange, and doing the 45 minute phone call, for the income and expenditure, what other figures/accounts/ numbers do they require from you, from your finances ? (eg savings/ student loans etc? - what else ? and is what paperwork is required for this additional income, to be posted to them ? (i…
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If currently in a DMP, can debts be included into it, in the future?
Including additional debts, into an 'already running' DMP which has been in place for months? - will they allow to include it, and alter the plan? Payplan or Stepchange. If a DMP was created months ago, with the income expenditure etc done, and 'certain' debts were Not included in the debt... as we wanted to manage these…
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Whats my best option I can pay off my debt NOW
I have savings, I am going to use to pay off all my debts, I want to get a buy to let mortgage as soon as possible, to rent out. If companies are not on my credit file should I pay them back? I was told after all my debts are paid off I can apply for a mortgage within 90 days is that correct, if not do I have to wait 6…
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Newlyn Bailiffs: Not accepting My repayment
Dear all, I have a large debt to Islington council, which has been passed through to Newlyn Bailffs, I am more than willing to pay this off: £2,304, I wrote to them on 27.03.2014, which they say they received on 1.04.2014. My repayment was £200.00 per month. They have written to me - a letter dated 17.04.2014, which I…
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Stepchange and reduced payment this month
Ive agreed with stepchange to pay a reduced payment this month as i e had a very reduced wage this month, should i contact my creditors or just leave it and assume stepchange will make a note of it when sending payment? Im back to full wages next month so it everything will be back on track again, this is my first time ive…
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Selling Diamond Jewellery
Hi. I have two rings that I am seriously considering selling. Does anybody have any ideas on the best and safest way of doing this? I live in Scotland and really don't want to post them for obvious reasons. I have spoken to one of the high street 'buy gold' shops and didn't really have much joy. I am also unsure of what I…
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Partial settlements
Hi, I have the opportunity to partially settle my debts but have been advised that they will show on my credit file as only partially settled. How much will this affect my credit rating? TIA x
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council tax chasing me for my dead fathers debt
Can anyone help me with my problem of my local council chasing me for my dead fathers debt? My father died recently leaving no will, no money in his bank account, and no money for his funeral, just lots of debts. He lived alone in a part-furnished rented flat which we emptied of his personal belongings (not a lot, and not…
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Myriad of Advice Need (CCJS, right to buy,saving)
Deleted too wordy.
