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CCJ and Bryan Carter HELP
Hi all After some advice. I've had a CCJ filed against me in Feb 2014 which I was only made aware of 2 weeks ago as it was sent to old address. I never gave the creditor this address as I was only living their for a short period of time and the debt was very old. I have sent Bryan Carter the statute barred letters stating…
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So so stupid
well what can I say? In 2005 we entered an IVA thanks to a lot of advice received on here with debts of £114k :( The IVA was completed early in 2008 and of the £114k we paid back approx £68k through 3 years payments and a remortgage . Life was great BUT stupidly we started with credit cards again and today has be a real…
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can creditors insist on seeing your wage slips and bank statements
Im trying to help someone sort their debts out but at the moment the creditors are refusing their offer and wont send a standing order form, ive helped them provide an income and expenditure form and theyve sent it to them along with proposed payment. They are now asking for proof of income and bank statements - im just…
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compensation for cancelling court case - Scottish SB debt
Hi all im wondering if you can give me some advice on my situation i have for the last year or so been hassled by a debt collector and lawyers chasing me for a debt that is 6 years old i live in Scotland and the debt was taken in Scotland about a month and a half ago i revived court appearance papers from the lawyers…
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aps Couriers (DCA) - help!
Good morning, I have had a man at my house twice in the last couple of days. He left a card with a neighbour the first time - the card says that they are aps and that they tried to deliver an item but a signature was needed. I called the number on the card (I am expecting my passport so didn't think twice) to be told that…
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Statute Barred Help
I sent a Statute Barred letter to Aktiv Kapital for a debt they have been chasing which I believed was older than 6 years. I received a letter back saying the last payment made on the account was 22nd Dec 2008 please find statement enclosed. Just wondering if there is anything I can do next or just pay it? Thanks
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Sat 11th/Sun 12th Oct - What small DFW things will you do this weekend?
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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Help me improve my situation :-(
Hi guys just looking for some help :-( I'm starting a new job on Monday as a trainee Quantity Surveyor, after having 3 children in 3 years, being alone and in the benefits trap! I'm gonna do an SOA now with my new info as tax credits etc have changed! My partner has just moved in so tax credits have gone down a lot and he…
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Dmp help!?
finalizing paydayloan Hi ive had rediculous year off struggling with money and payday loans, not as bad as most people I must admit! I have had a DMP for 4 months and I decided to look at the debt on my payday loan accounts, the debt is alot lower than what harrington brooks is saying I have left to pay. Can I just forget…
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Urgent help required re bailiffs
Help, I need urgent advice for a friend. Just over two years ago he split up with his wife. A couple of weeks later they had a ppi repayment reclaim paid out for a couple of thousand pounds. He agreed she could have the money on condition she paid their council tax, water rates and mortgage arrears and payments until the…
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Scotcall good or bad
Hi all had a letter saying my Vodafone debt had been passed on to Scotcall...before I ring them I was wondering if someone could give me a heads up on these guys! Anyone know what sort of payments they accept etc? I dont wish to be paying in full Thanks
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Live in London and in debt?
The London Assembly Economy Committee is investigating personal problem debt in London. It wants to understand how and why people are in debt so it can recommend solutions to the Mayor on how he can better support those in debt. Questions it is asking individuals include:* What triggered going into debt? * Have you looked…
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DMP advice
I have got some queries regarding DMP's. I am with PayPlan and my case advisors have changed (I wasn't informed - I just had various people respond to me and now the 'case officer' section has changed) .I don't get replies once I've emailed them. Sometimes they take ages to respond too (a few days)- it just seems a bit…
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Advice needed on harassment from debt collection companies
Hi, I've just joined the forum in order to seek some advice. I have read many threads over the years and have always found advice given to others helpful and interesting. I currently have an on-going dispute with British Gas. I lived at my previous address for around 2 and a half years. During my first 6 months of living…
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Credit card debt help!
Hi, I am struggling with my credit card debts, and I was just hoping that someone from here could give me a bit of advice. These are the credit cards that I have: Tesco credit card: balance - £1,980, 0% interest until July 2015, then goes up to 18.9% interest. Minimum monthly repayment - £25. Lloyds credit card: balance -…
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Advantis keep ringing me
I get a phone call from advantis at least once a week using a different mobile number to ring me. I only know it's them as I've googled the numbers. I do have debts in the form of a loan and credit card but I have got my debts from 27,000 down to £10,000 in 2 years after a lot of hard work. All my debts are paid on time…
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Charge on property
I'm not familiar with exactly what things mean and wonder if someone could please explain to me? - If someone has a "charge" down on their Land Registry entry against their home (ie from a loan company), then what exactly does that mean? Does it mean what I think it means, ie that that person took out a loan with that…
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Friday 10th October - 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…
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Barclaycard Loophole
Hi All I have an outstanding balance of £7700 on a Barclaycard platinum and currently am just making the minimum payments. I saw on the MSE page about a loophpe where I can change the rate to 6.9% in order to pay off the card. I don't want another through them but not sure if this is still possible without another credit…
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Bristow & Sutor Bailiffs
Hi , My partner had a debt for council tax which he received a letter for from Bristow & Sutor .. My partner rang Bristow & Sutor to make up a payment plan for a debt of aprox £500 he set the plan up and kept to each payment agreed however a few months down the line without any warning I opened to door to a Bristow & Sutor…
