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Robinson Way won't give up!
A long story short, when I was a teenager and into my early twenties I messed up with a credit card and it ended up being defaulted. The account was put out to debt collection agencies and sold between themselves repeatedly. Fast forward to today (I'm now 32) I have an excellent credit score on all my files these days, in…
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Worrying letter
From Studio it says im in breach of payment in terms of credit agreement,if I don't take action before the 29th of nov it says on or after the 29 nov 2014 a demand will be made for payment of £420 being the full balance owed (does this mean they will try take it straight from my bank?) if I have any difficulty paying this…
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Thursday 20 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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ccj I don't think is mine and wasn't aware of!!
Hi guys, I'm new to the site and have been searching for a situation similar to mine in the hope of not having to bother anyone but can't find one. I recently went to open a business account to start a new busines . I was rejected so joined experian and found out I had a ccj dated back to 2013. Couple of things. I wasn't…
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Determined to get out of debt - SOA
Hi, long time lurker, first time poster. DH and I are looking to get out of debt once and for all, we are 30 now and it's time to be sensible and save for the future. I've seen these SOAs on here before and I thought it would be helpful for me to see it all written down. I'd appreciate any feedback, because I'm clueless.…
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What's your 'comfortable' figure
Hi Guys, Now I know that we are all aiming to be debt free, hence our posts on here but I have been thinking about my debts and how I feel about the situation I am in. My debts are coming down by around £1300 per month from a starting point of over 40K!!! My immediate goal is to get them down to 30K. This is still a scary…
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CCJ Set Aside today
Hi everyone I have just been to court today as I requested a CCJ to be set aside as I never received the original paperwork and I believed the debt to be statutes barred. Bryan Carter solicitors did not attend and sent a letter stating that they don't object to the CCJ to be set aside. The outcome of the court hearing was…
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Jacobs Bailiffs - urgent :(
hi due to my own stupidity i broke an arrangement with Jacobs bailiffs to repay council tax arrears; (i thought id paid the last one but i hadn't - my own error totally admit that) They sent me a letter dated the 12th November stating that id broken the arrangement and that if i didn't ring them and pay or let them know…
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HMRC Debt passed to Akinika Debt Recovery
Hi, any advice much appreciated. I'll keep things as succinct as possible. Earlier this year (approx March) my wife received a letter from HMRC saying that she owed them outstanding tax credits of £380. No reference was made as to when this amount was applicable, nor why..... My wife phoned the tax office and asked for…
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New debt company chasing already settled account
Hi, I wonder if anyone can help me please? I had an egg credit card years ago which I defaulted on. The debt was brought by a debt company whose name I can't remember and I agreed to pay the settlement offer to close the account. A few months ago, moor croft debt recovery wrote to me chasing the full amount. I advised them…
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Attachment of earnings
Hi, can anyone tell me what happens when the county court send out an attachment of earnings order, but you don't earn anything? I've had a long standing CCJ, paying £10 per month, and it's lapsed as A) the company taking payment changed and I couldn't find how to pay online, I even asked them and their answer didn't…
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HMRC/rossendales help/urgent reply
Recieved wtc in 2008/09 after being made redundant in 2010 got a letter from HMRC to say there was an overpayment of 304.00. Got in touch straight away explained financial circumstances to them and they replied saying they would take the overpayment from any earnings from future employment. Now four years on i have…
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URGENT HELP with writing a complaint letter to solicitors
PLEASE I'm looking for someone that will be able to help me write a letter of complaint about high charges to a solicitor. Back in June I appointed a firm (text removed by MSE forum Team) to deal with my divorce. I'm quite distressed and vulnerable and feel I have been abused with high charges. I paid them a bill of £3300…
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NEw Borrowing after 6 year defaults with lenders???
I have 6 creditors with whom 4 i have settled, two as partially settled and two full and final. The other two are still ongoing Nationwide Credit Card £9800 CCJ and debt charged against my home. Santander Personal Loan £8800 Both of these are 6 years old next summer and drop off my credit file. However i will still keep…
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Newbie looking for debt advice
Hi I have approximately £25000 of debt across 7 credit cards. My head has been parked firmly in the sand but I'm now trying to do something about it. Step change have calculated I can afford at most £20 monthly to each card. However my parents are now trying to help out and have offered me £10000. I'm really looking for…
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Voluntary Termination or Repossession of Car on HP?
Hi all, Sorry for the long post, but I wondered if I could get some advice please. My wife and I are about to start a token payment plan with StepChange because our outgoings for priority bills are more than our current income, without even taking into account repayments for our debts. One of my priority bills is my car…
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CCS Random letter
Hi everyone, I wonder if you can help/advise. I am currently into my fourth month on a DMP with Stepchange. one of my debts is with the DWP but that was sold on to a local debt recover company but today I received a letter from ccscollect.co.uk who I've never had dealing with. Dear Miss ****** Our client reference: ****…
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Wednesday 19 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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Wednesday 19 November - What small DFW things will you do today?
Please use other thread - don't know how to delete!
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can i get car finance if in dmp
hi my car is playing up big time told to get shot of it , the thing is im in a dmp can i get car finance and if i can will the dmp be affected ??? need car for work, work shifts no public transport for early start
