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Lowell - Red & Hamptons - Aqua & Vanquis Debts Advice Saught
Hello everyone, I am coming back after seeking previous advice pertaining to two debts I have outstanding. The first being a Vanquis debt and the second one which I resolved seperately. The Vanquis debt I was advised to ask for a copy of the credit agreement which I did. Lowell responded that they would get the agreement…
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Do you have a will?
I have been wondering whether it is worth creating a will? Slightly morbid question, what happens to your debts when you die? Is your partner responsible for it? Thank you
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How do you learn patience?
I've been 'trying' to sort my (well our) debts for some time now, and it's been a very stop-start process. I hope to be more committed this time round, but am finding my patience waning. Considering what a long term commitment it is, to become debt-free, how do you learn the patience to keep you going along the road?
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Mortgage Problems
Hi all, Has this happened to anyone else myself and my husband have been for a mortgage with halifax had everything done ready to get a completion date when we got a call from the bank saying that they could no longer give us the full amount only half the reason was because my credit rate had gone from a to c . I think…
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County Court Claim Form
Apologies for the length of this - this is something compeltely new to me so I would be extremely grateful for any assistance. My partner has received a 'Claim Form' which has been issued in the 'Country Court Business Centre'. This is for an agreement that she previously had with MBNA. The letter has stated that a…
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Debt Relief Order advice
Wrong forum sorry..
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Help statute barred claim received
I have received a claim form from Drydenfairfax Solictors in respect of an old Halifax credit card. The debt was sold to Capquest. It has been through numerous DLA'S . The debt has never been acknowledged. Last payment made was June 2008. Am I right this is statute barred. How to I tell the court
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When to make F&F offers on a DMP
Hi Again I have started to deal with my own DMP and the creditors are accepting my offer of payment as it is a lot more than the amount they used to receive from my DMC. I have claimed PPI and other charges from most of the creditors and paid it towards the DMP. I currently owe £12000 and can comfortably pay £150pm towards…
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entering a DMP but now concerned about risk of CCJs
Hi, I'm hoping you can help me. I've recently sent off the paperwork to enter into a DMP due to a reduction in salary/hours at work, my debt repayments are no longer manageable. On further reading, I've read on stepchange site I can get default letters, visits from debt collectors and CCJs. :eek: I'm very concerned about…
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Friday 21st 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…
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Robinson Way - Old Abbey National Loan
Hi Everybody, I'm looking for some help if someone would be so kind. This is my first time posting but I've referred to these forums a lot in the past and I'm sure one of you guys will be able to help me out. Back in 2004/5 (I'm not 100% sure of the year), I took out a loan with Abbey National for £5000. To cut a long…
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Old DEBT not sure what to do?
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Lowell debt help and advice appreciated
Hi everyone. I am new to this and posting for the first time. Very sorry if this post seems erratic, uneducated or longwinded! I have recently moved address and have just received a letter from Lowell. They bought a hsbc debt years ago, I haven't heard anything from them in a long time. The debt was a hsbc loan possibly…
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Enforcement Notice for former lodger - help!
Hi, have posted previously re. trying to get debt companies for former lodger to stop thinking he's here. Most of them have stopped except one. It's come to a big red "enforcement notice" hand delivered today, by an "enforcement agent". It says: "I have called tody to execute a Liability Order issued to us by our client…
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Why Would Collection Agency Stop Taking Money?
In 2007/2008 we set up our own arrangements with various collection agencies to make token payments after being told by CCCS that they couldn't help us as we had no available money to make debt payments. One of these agencies was CapQuest who were chasing money (over £20,000) owed to NatWest. We came to an agreement with…
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Basic bank acc and Barclays debt
Hope someone can advise me here please? I need to open a basic bank acc while I'm considering a DMP. Barclays seem to be one of the recommended ones but I already have a debt with Barclays that I will need to include in the DMP. The alternative is Co-Op but theres no branch near me. Any ideas where I could look to next?…
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What do you do when you have more going out than coming in?
I've been in a lot more debt than I am in currently, and through family help I've managed to reduce that greatly. However the problem I have now is that I'm slipping back into overdrafts and credit cards. I have £582 a month income, with two fixed loan payments of m&s loan - £113 and a tesco loan -£205. Fuel costs are…
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Will a mobile phone provider block phone if I don't pay?
Hi everyone. I have been conversing with StepChange as I am about to start a token payment plan next month. I am trying to cut my bills everywhere I can and StepChange have suggested witholding payments for my mobile phone contract and add it to my token payment plan. My question is, if I do this, will the mobile phone…
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Shall We stay or Should we go now?
My husband and I are in a very fortunate position as we met later in life and have no major money worries. We have saved hard since we meet and are lucky to have 3 houses 2 in the UK 1 we live in and the other we rent out. We have holiday home in Southern Italy which is paid for. All of our children are grown up and left…
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debt advice please
Hi all, I'm new here and would like to tell my story to see if anybody can help, my problem started couple of years ago when my grown up kids had some problems and I was helping them out with money,long story but my ex husband died suddenly and left no money to pay for his funeral and none of my kids had the spare cash to…
