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Debt-free wannabe

Archives for November 2014

Dmp &ppi
I am helping somebody come out of a debt management plan and encouraging them to deal with their debts themselves. I notice that he has been paying £11.49 per month PPI to the debt management company. Can we claim this back?
Wanting to make a start of being in control
Hi Historically I have always been very poor with money management which was highlighted by being declared bankrupt a few years back. We have however managed to rack up almost £29,000 in unsectured debts since we were made bankrupt - not something that I am at all proud of. I have itemised everything we owe and just want…
Is Written Off Debt Still Collectable?
Mods please move if appropriate. I'm looking for some advice re an accounting debt which I'm now being chased for in a personal capacity by a retired ex businees partner and don't know what to do. I left a partnership of 3 of us on 31/03/13. All accounts were submitted and signed off in June 2013 and the capital account…
Ex wifes credit card debt letters coming to my address still
Hi, My ex has cleverly managed to run up a 5k credit card bill since she moved out, but her correspondences have always come to my address, our family home. I spent a while giving her the letters and she did sweet FA about calling the company to change them. Now her letters state that she has a black mark on her credit and…
Worried by British Gas/Resolvecall Debt Collection
Hi, I'm new and really worried. I'm not sure if this is the right place to put this, but hopefully someone can help. A landlord issue seems to have led to debt collectors holding me responsible for a bill I didn't know about. I have lived in a rented flat for three years in which the rent I was paying included the heating…
ccj /cca
hi,started a dmp with cccs/stepchange in 2009,mbna via restons issued me with ccj in 2010 ,credit card taken out pre 2007 should the ccj [which is now on my property] stand ? ps didnt know about cca/2003 then.thanks
Bailiffs Fees
I have received a bailiffs letter (Rossendales) and it states: FINAL REMINDER - DO NOT IGNORE. Outstanding amount: £200 (£75 of this is Rossendales initial charge) Enforcement Costs incurred £235 Total amount outstanding: £435 It says'Despite previous correspondence you have not made payment to clear the over due balance…
First time posting.. I need help please!
Hey everyone, I just registered today, but have read a lot of posts on here through querying my own debts via the google search bar so thought I'd give it a go. Basically I have gotten myself into an awful pickle via BNPL's on Very. I owe £2000 between 3 accounts.. I know that doesn't seem a lot but we were in a better…
Tax credits overpayments/Rossendale Debt collectors.
We have a tax credits overpayment of £1800. This is from a couple of years ago. Anyway, whilst I was busy arguing the toss of how they could have overpaid this amount, HMRC handed the debt over to Rossendale and we was told we would have to deal with them, there is where I need some advice please. We contacted Rossendal…
New and needing a little advice
Hello, I've been on and around this site for a little while and really want to get on top of debt we have. Thought the best way to go about it is to join the forum as I find it useful to have motivation and from reading what I have read, it seems to be really positive and informative on this site. So background info: we…
Saturday 29 and Sunday 30 November - 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…
Advice needed please on default account
I defaulted on an Alliance and Leicester loan in 2011, a relative helped us to clear our debts and they were settled or partially settled in full as final payment. Since then Santander have taken over the Alliance and Leicester account (we bank with Santander) and every 6 months they send a default notice and add interest…
It's all gone
My debt. Just dropping in to say my battle with debt is over. I am debt free.
Lowell/Bryan Carter CCJ application for statute barred debt
Morning all My partner received a letter from Northampton County Court stating that Bryan Carter have applied for a CCJ on behalf of Lowells for a debt we are sure is Statute barred. We have not paid any monies or signed anything stating acknowledgement of this debt for well over 7 years. We have just purchased our house…
Fredrickson International/Vodafone
So I took out a contract with Vodafone a couple of years ago for 24 months. After the 24 months was up I simply cancelled the Direct Debit and thought nothing of it (presuming that the contract would end). I got a letter from vodafone around a month ago saying that I owed them money and another letter a while after saying…
Moorgate and Excel Counselling
We stupidly have a secured loan with Moorgate and when I lost my job got into arrears. My main Mortgage company were great (Coventry) and that one is sorted. Since I started work, I have been paying the arrears off slowly but surely at around £40 on top of the standard payment. Last month I paid £70 over the normal…
Worrying
Evening everyone, I'm not so much "in trouble" to start, but please hear me out. I've been skimming over the MSE forums for a while, having posted earlier on in the year but losing touch. I gained a valuable bit of knowledge in what all this finance and money lark is about, but like i say, i lost touch and ended up very…
Head buried under the sand for too long. Need help.
Hello, I've posted here before regarding a debt and you guys helped. I was in a better position than I was before I joined and had DD's set up with all my outstanding debts, and then all of a sudden I'm made redundant from my job and then of course to top this off I was told I had to leave my home from my private landlord.…
Lowell CCJ - Statute Barred?
Hi there, I've never posted here before but I'm going out of my mind over a CCJ court form I received yesterday. Bit of background here: I foolishly took out a credit card with Capital One in 2005, my first and only credit card. Basically I went hell for leather on it being young and naive and maxed it out within about 6…
Experian/exquifax free trial
Does anyone know if you're eligible for the free trial if you've used the free trial in the past? I used my free trial a few years ago, but a lot has changed in my finances since then so I'd like to know what my credit score/file looks like now. But I don't want to try and use the free trial again and then find out in…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Debt-free wannabe

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