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County Court Summons
Just received a summons for a 'debt' which I am pretty sure is Statute Barred. The problem is I can't find proof of this. Do I simply file a defence to the effect that it is Statute barred and leave it to the Plaintiff to prove the details? Many thanks.
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Sat 21/Sun 22 February - What small DFW things will you do this wkend?
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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Advice please!!!!
Thank you in advance for taking time to read this post, not sure if this is the correct section to post under but looking for some advice please. My partner and I bought a house in early December 2014 and are wanting to extend. We were recommended 2 architects , one from a family friend and the other by someone who cuts my…
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struggling to find a solution...
I hoping someone can come up with an ingenious idea of how to help me?! (I'm not holding my breath though- I'm utterly stumped!)I also apologise in advance for the long post! Briefly put, my current situation is I live with my partner and our daughter and my step daughter in a bungalow which belongs to my partners aunt…
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In a DMP but increasing arrears with barclaycard
Ive been in a DMP for almost 5 years now, one of my creditors being Barclaycard. They insist the monthly payment due is £91, however throught eh DMP they are getting £32, so the arrears is growing by £60 a month, currently up near £700. My concern is that even after all this time in the DMP they will slap a default on…
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Can I get defaults removed because of an illness?
I just wanted to ask. Is it possible to get debt agents and companies that I have a defaulted with on the past to remove it? I was diagnosed with a serious illness that is degenerative and has left me disabled. For a while I didn't handle it well mentally. I consequently just dropped out of life. I ended up defaulting on…
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Council Tax debt
Hi, I'm currently in arrears with my council tax and I received an enforcement notice today. The debt is £129.76, plus the £75 compliance fee and £235 enforcement notice, totalling £439.76. I've been advised that if I don't call the enforcement agent within 24 hours they'll visit my address to begin removing goods. I just…
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Used no knowledge of debt letter
I have used the no knowledge of debt letter. The company have acknowledged receipt of the letter and said they will not contact me again but told me all future communication must be made to their client Lowell-Lloyds. What do I do now?
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Loan guarantor
Hi all Thanks for reading, I'm pleased too say this is not about me but really is for a friend. She is guarantor for an Am--- loan for her son, yes I would have told her not to if I'd known but I didnt know. Anyways she is in financial trouble herself as she has been off sick for a while, of course he hasn't been paying…
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Query with change of ownership of debt
Afternoon All. Just a quick question; I wish to raise a query in relation to an account I have with Provident. It has since been passed to DCA, Cabot Financial who have advised that they are the legal owners. Do I query it straight with them and they have to do the chasing or do I query it direct with Provident? Many…
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'Mortgage Quo' Showing on credit report - is this Sainsbury's?
Hey all, Had a credit report alert regarding addition / deletion of an account by 'Mortgage Quo'. I've googled and can't find any companies called Mortgage Quo and credit expert have no linked companies to them either. The dates tie in with a personal load I had from Sainsbury's but I'm very confused! Has anyone else had…
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Not looking forward to DMP process
So, afyer being made redundant and having to rake a job with a 10k drop in salary, I've been finding it a little harsh financially. It's got to the point now that I now ill have to do a DMP. IVA is out of the question because I'll lose my job if I go down that route. Anyway. I'm feeling pretty rubbish because I was easily…
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Credit Rating
Hi All I had a bit of a tough time in 2011 and fell into bit of debt £600 Argos card - ended up being a CCJ cleared in 2013 £1200 Tesco Credit Card - Defaulted will be cleared March 2015 £3000 Lloyds TSB card - Defaulted £1200 Remaining £300 Cabot financial From Overdraft Cleared Feb 2014 Debt at time £5,100 - Debt today…
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Mental Health, Money & Me (And maybe you, too)
Prepare yourself for a lengthy post of about 2,200 words; if you or anyone you know or care for is mentally ill, you might find it useful. If you're not, you might glean some insight into the additional challenges of both a carer and a sufferer of mental health problems. Hi all, This post is long, and I'm not going to…
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help with Cabot ccj
Hi I have received a ccj claim this morning for a old welcome finance secured loan taken out in 2007 we have since lost our house. Now the second charge was passed on to Cabot which is what I need information about. I have never received a default notice for this debt which is £36308.5. The particulars of this claim read…
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Friday 20th Feb. 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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Clearing debt
I haven't posted on here for a while but am feeling fed with the level of debt I still owe and wondering if i will ever be debt free? I do realise that the debt is my own fault and wish I had gotten a grip on my spending years ago but still need and want to repay this money. Despite owing £45,000 to various credit cards in…
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Capquest
Hi Everyone, HELP, 1st of all--I have NEVER had any dealings with Capquest, no mail, emails or phone calls, nothing, yet they have managed to remove 25GBP from my TSB account. When I queried this with Capquest by email they stated they have no record of me because I did not include an Account Number !!! so they could be of…
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Use my EF to pay off my OD?
I have a quick question.... At the moment I have £631 in my Emergency Fund. I also have a £437 Overdraft. Should I use most of my EF to pay it off and then start to pay back into it? Or, should I leave it alone and just cut back on spends to get rid of the OD which is costing £6 a month. Cutting back on spends to get my…
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not my debt
So I recently started cleaning up my credit. I have this account on there that is not mine it's from 2010. So I disputed the dedt online telling them it's not mine. I have no proof that it's not mine so I didn't send them any documents. They did not remove it they only updated it to say it closed in 2015. How can I get…
