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Debt-free wannabe

Archives for November 2014

Old CCJ from Egg being chased by Wilkin Chapman
Hi everyone and thank you in advance for any advice given, and apologies if there is a similar thread! Back in 2005 i defaulted on a loan i had with EGG banking which was ccj'd and then secured on my house as a second charge. In 2006 i had a complete breakdown through debt and divorce problems and left the country for…
Jacobs Enforcement Agent not on Public register?
Hi, I would be grateful for a little advice. I had a £100 outstanding on a council tax arrangement and forgot to pay it (it was due 16 November) I have today had a REMOVAL 48 HR NOTICE put through my door. I have immediately paid the £100 owed direct to Jacobs. I was wondering if I needed to pay the additional £235 and on…
Friday 28 November - 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…
debt friday..
just watching Sky News reporting on Black Friday and they were interviewing a woman in the queue outside a store.. when asked about the cost of what she was going to buy she just said i don't think about that just getting the bargains.. says it all really! bet lots of credit card balances will be increasing a heck of a lot…
Debts i didnt know about help!!
I have recently completed a Equifax credit report because my bank stated I had no credit history after doing a quick check to see if I would be eligible for a small loan to support me getting a car. They advised me to do a Equifax credit report and when I ran it I got the shock of my life! It came up with multiple debts…
Old CCJ's
Advice needed please :) I have today formally entered a DMP with Stepchange to pay off my unsecured debt which would be a total of 6 years to pay off of which I would be officially debt free Having looked at my credit file I have 3 County Court Judgments totalling £16,500 which were done in 2009/2010. I know I should have…
BCW / Mackenzie hall question
Hi all, Looking for some help / opinions. Going to try and summarise this story into the salient points. On the 19th may totally out of the blue, I was given a letter saying I owe something like £380 to 'a client'. On it, the letter detailed an address I had when I lived with my parents 13 years ago. Not having a clue what…
£500,000 of debt - repay or go deeper?
Hi All, Long time stalker, first time poster. Essentially as the title suggests I have around half a million pounds of debt across a blend of credit and am now wondering whether to go further or begin to consolidate. If consolidating its also where to start repaying as I have thoughts on this. Just really interested in any…
Payplan - Direct Debit letter
Hi everyone, This is my first post on the forum so please accept my apologies if I'm not doing this properly! I would really welcome some advice on a DMP that I have with Payplan which has been running without a hitch for the past 7-8 years. I received a letter from Payplan this week telling me that they are closing the…
Letter to send to DCA for default within two years
Hi Guys, I have couple of threads recently regarding me being a victim of identity fraud. So long story short, i need to find out how Lowell has come up the figure of £3,800 and the advice i got here was to send them a letter in writing but all templates I could find are for debts that were incurred 6 years but the one on…
Thursday 27 November - 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…
Help - False past debt from T-mobile demanded by Lowell and affected credit report
Hi Everyone, Please help with the following trouble: About couple of months ago I have received letter from company called Lowell asking to pay debt of about 29 GBP, which I supposedly owe to T-mobile /EE. Since I am certain I do not owe anything I thought the letter is some kind of scam. However, recently after checking…
Feel let down by Stepchange. How can I help myself?
So I entered a plan with CCCS a few years ago and have never missed a payment. I had dozens of creditors, most of which froze interest and the balances have been dropping nicely. I've been doing the annual reviews which they expect religiously. My issue is, and always has been with Creation finance. I have FOUR accounts…
Freezing debt & improving credit rating
Hi all, New to this website the advice to join off my mum :) Two questions i need help with to get started..... 1. i have a £3000 overdraft with L***d's bank which i have had for about 3 years now. I have always paid £60 a month into that account to pay off the interest and fees but not paying any of it off. Today i…
What to do?
Hello, I am looking some advice on my situation. I have a number of defaulted debts which are due to drop off my credit file by November 2016 and a CCJ which will not be settled until 2018. I am looking to get married to my partner within the nxt 4-5 years and obviously don't want my poor credit history to catch up with us…
1st Credit harassment
1st credit are constantly hassling me by phone and letter even though I've wrote to them saying I'll only deal with them by letter. It's so bad that they've actually started calling my dads mobile! I have no idea where they got his number from and how they even connected us but I'm absolutely furious! How do I deal with…
Considering stopping my DMP through StepChange. Advice needed please
Hi there, I hope someone can help. I entered into a DMP with stepchange in June 2014. Made my first payment to them 1 July. Missed the August payment. Have made payments september, October and November and will be able to pay in December. I have had a few problems, probably because of the August missed payment (my fault I…
Out of Date debt - taken to court or not
Please ignore. Posted incorrectly
URGENT HELP REQUIRED! Final Notice from HM Courts & Tribunals...?
Hey there, This morning I received a final notice from HM Courts and & Tribunals Service, requesting that £438.38 is paid to Cabot Financial within 24 hours or the bailiffs are coming. As I have been living outside of Newcastle for approximately 2 and a half years, I am absolutely unaware of any notice or court order up…
Son going to uni parents on a DMP
Hi, does anyone have experience with their child going to uni whilst parents are on a DMP and whether this is taken into consideration with regards to loans, grants etc or whether they just take both parents annual salaries and work off that. Obviously we have little money left to help with his living costs each month etc.…

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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
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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
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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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