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Creditor demanding my address
Hi everyone. I've got a few outstanding debts, and agreed to pay back my creditors in monthly installments. I've always paid on the 1st of each month and I have no plan to change this, as I want to clear off the debts. I've moved about three times since last contacting some of my creditors. I want to get in touch with them…
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Old Lloyds bank debt aggreement
Hi all, i'm have some questions regarding a debt agreement, i made a debt agreement with Lloyds bank a number of years ago (around 2002 roughly) to put all my loan debt with them into a 0% interest agreement and to pay a nominal amount back per month, this was after getting into financial trouble with them. Now it's 2014…
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responce from 'prove it' letter
hi I've been following the forum for some time for its useful help but am in need for of a little bit more. I sent Fredrickson International a standard 'prove it' letter from this site which they received on the 9th august. on the 13th august had another letter, this time from Bryan Carter Solicitors saying they were "to…
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Saturday/Sunday 16th/17th August: What small DFW things will you be doing this weeken
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…
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Drydensfairfax worrying letter
Hi, this is my first post. I have had a few letters from Drydensfairfax solicitors which are causing me some concern. I have read this forum for other things in the past and I've been impressed by the expertise you guys have, so I'm hoping someone can provide me with some advice on what I should do next. I received a…
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dhss debt
i have just today recieved notification from dhss that i owe £13.000 from 14 years ago, i believed the debt was settled as i have not heard anything from them for 10years 2 months , what is my standing on this matter, they are demanding settlement by 30th august, and as i say i thought this matter was dealt with when i was…
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credit report explained
Howdy I've got an Experian credit check report and one of the entries is for my mortgage account which I defaulted on and subsequently the house was repossessed.The current entry for it says 'satisfied',does anyone if that means they may try and recover it somehow?The default balance is/was over £100,000... Cheers M
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first source solutions?!
Hi, Does anyone know anything about First source solutions? They have been chasing Mr Hinge by phone for nearly 6 months now but have not made contact in writing as of yet so we have no contact details for them! Thanks Mrs H
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too scared to make a call
Hi all again!! Thanks for the advice from the last post that I did believe me I am trying so hard to take it..but I just feel so guilty about just leaving Gregory Pennington and not paying them I have cancelled the direct debit and now on the online account section they have it says card payment due on 3/9/14 of. £264…
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Trust Deed/Statute Barred Debt
Sorry if this isn't the most appropriate board, just wondering if anyone has had any experience of Statute Barred Debts. I have some debts which were defaulted almost 5 years ago now which under normal circumstance I know would be about to become statue barred (I am in Scotland) as I have had no contact with any of the…
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It's just never ending!!
After thinking I was down to my last £1000 of debts to repay, 2 more (and according to my credit report the last 2) have crept out the woodwork. ARGH. One is for 2101 and I've set up a repayment plan for 35 pcm to pay for this. The last one is £343.17 - Is it worth offering a full and final on this figure or just setting…
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I hate these tricky situations!!
Been invited out for drinks tomorrow with some friends. I feel like I have developed a split personality as part of me really wants to go and the other part if thinking "Can I justify the spending". Not been out for ages and have turned down lots of invites so I am going. It's always tricky though as my friends know…
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Drysden Fairfax - Erudio - Threatening to enforce CCJ Please help!
Hello everyone From glancing at the site, I can see there has been a lot of discussion regarding Erudio/ Drysden Fairfax. However, I can't see any posts relating to my particular problem...forgive me if has been answered somewhere else! Received a letter this morning, and has left me in a state of shock! Took out a student…
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Friday 15th August: What small DFW 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, we often feel that we are not making the same amount of progress, when…
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Can I ask for proof of contract from DCA?
I have been reading on other debt advice sites that there are ways to get the debt cancelled with DCA if you ask them for certain pieces of information which they (hopefully) are unable to provide. Obviously I trust MSE the most, hence I'm here, but wonder if anyone can tell me whether the information given on another site…
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Advice and Guidance
Hey All, New here! I have been reading through some threads and I can see that some of them get a little heated so before I go ahead with my story I would like to say that I know all of my debt is my fault and my problem. I do not defend the situation I have gotten myself into I only seek advice to aid getting out of it.…
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Struggling..
I'm in quite a bit of debt and not sure how I can go about things. I own a leasehold property but am only paying Interest. Because it is leasehold I have to pay service charges each month and and pay for any work they do. The council hit me for a bill of £8000 and although they first agreed an interest free loan they then…
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Trying to sort my debts out...
Hi everyone New to here so please be kind I'm in the middle of trying to get all my debts sorted out but I have a slight problem which I hope someone can help me with... A lot of my debt is built up of mobile phone contracts and some are multiple accounts with the same network for example; I have around 10 different orange…
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Link Financial CCA Request
Hi all, Got some great advice last time I was here, I hope you don't mind but I need some more! I have been paying link financial £10 a month for 6 months now, I was previously paying them £1 a month. They bought my c card debt from MBNA. They recently sent me the usual letter demanding full payment. They like to see if I…
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DMP and bank account change - advice please
Hi, I have just completed the StepChange DebtRemedy online. It has advised us that a DMP is the best course of action to manage our debts. We are very keen to proceed with this however I have £5500 on my Natwest overdraft and StepChange have stated that I need to open a new bank account and transfer all of my direct debits…
