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Court Case Now Looming :{ And Advice Please
Hi all I’m quite new to this and need some urgent advice. Would like to know if you HAVE to sent off a CPR31.14 - I have been reading quite a few threads and have noticed that most replies from the solicitors are just fobbing everyone off by either saying that - you don’t need to know this as it isn’t irrelevant in this…
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Paying for exercise, what are your thoughts?
I've got a decision to make and wanted some other's opinions as you may think of something I haven't. I want to exercise more than I do now. The problem is, I don't like a lot of exercise so tend not to do it. I do, however, love to swim. So the question is, should I save that money (it is going to cost myself and my…
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Birthday money?
Hi all In a bit of a quandary at the mo so thought I would seek the opinions of the lovely DFWs on this site! It's my birthday this week and I usually get a bit of birthday money (generally in the region of £100) - in fact my dad popped up to see me on Saturday and left a card which he told me has some money in it (as yet…
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Previous Employer Over payment - Help!!
Hi All, I was told at the end of August last year after working with my last company for 8 months, that I didn't pass my probation period. I was informed that I would still be paid up until mid September. I was paid in September and October - as far as I was aware I was entitled to these salaries. At the end of November I…
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Letter out of the blue from Wescot
Good morning, I have received a letter out of the blue from a company called Westcot, on behalf of a company that I have never heard of called Idem Servicing. The letter is claiming that I owe £170, and need to contact Westcot within 10 days. There is no details of what it is for, how long ago it was, and who Idem Seriving…
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Thank you!
Hi Everyone, I don't post much on here but I have been reading for many years. I just wanted to say a huge thank you to all the positive people on this forum because you've helped me stay focussed in my debt free (change your life) quest. As of today, I am debt free from being more than £16000 in debt 2 years ago. I…
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Court Summons stayed since June 2012
Hi Everyone In June 2012 I got a court summons from a debt collector. I checked my credit report and there was no such debt on there, so I followed the CPR rules and requested information, nothing forthcoming and I defended. I have never heard anything back and we are now approaching 3 years since the summons was issued…
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Monday 13th April - 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 canceling 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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Restons - court form
hi,need some help,took a £10,000 loan from RBS about 5 years ago,was paying it off monthly until i was made redundant.Subsequently RBS started charging more money when i could not make a payment,it got nasty then they sold the debt on.It has now changed hands to about 5 different debt companies and we have been paying them…
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ccj and liquidised company.
Hi, would i still have to pay a ccj to a company that has since been liquidised?
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ccj
Hi, does anybody know if you have to pay a ccj to a company that has been liquidised?
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First timer with a long post and a question or two..
Hi all. Having been sitting on the sub benches for a LONG time, I have finally plucked up the courage to start my own debt free journey. (God only knows why it's taken me this long to do it - could of almost been debt free by now :( ). Time to stop ignoring the issue and start dealing with things head on. A little about…
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Natwest £90 charges & interest
So since my last thread here I've been in a better place. Two further debts paid off with two separate companies. I'm budgeting with YNAB and all is looking good. I'm paying £25-50 a month off on my graduate overdraft with Natwest until I get a phone call off my mum who resides in our family home which is the address I…
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New bank account/switching pre-DMP
Hey all, Before I officially start my DMP, SC recommended that I get another bank account so that I am no longer using my account with a high OD facility. I've looked into switching deals, particularly the one from First Direct as they offer £125 for switching to them. Am I able to take advantage of switching deal,…
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Moorcroft
Watch out folks - Moorcroft are recruiting doorstep collectors !!! SELF EMPLOYED COLLECTORS - Car And Telephone Required A Leading Debt Recovery Company Requires SELF EMPLOYED COLLECTORS Car and Telephone Required Payment is by way of a good commission rate Full training will be provided Contact us on xxxx-xxx-xxxx or…
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credit card debt advice please
originally posted on credit card forum but a helpful reader recommended posting here as well? hello, some years back we got into a pickle with a Capital One credit card. my wife left work following some mental health issues and because she left a job of her own accord we couldn't get any benefits so hoping this would be a…
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Paying off debt in one go
We have about £40000 debt, mostly from Credit Cards between us. However we are in the process of selling our home and buying a smaller property. As we have no mortgage on our current home, we can buy a new house outright. When we sell, and buy the new house, we will have more than £40000 left over, so that we can pay all…
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At what point must a default notice be issued?
Wondering if there is a legal deadline by which a default must be issued? The reason I ask is in early 2009, I ended up getting into huge debt difficulties which resulted in arrears and reduced payments being agreed. Having checked my credit file, I noticed that one of the Creditors (Barclaycard) held my account as being…
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HELP!! Natwest are closing my accounts in 60 days!
Please can someone help me! I received a letter yesterday from Natwest saying that they were going to be closing all of my banking facilities with them in 60 days time. I've done a bit if reading this evening and I'm terrified that they've suspected my of money laundering and have added a CIFAS marker in my name. I admit I…
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Capital One Default wrong address
Hi everyone I am a new member and I was hoping I could get some advice on a few different financial matters with regards to defaults etc. I took out a capital one credit card in 2012 and I had to leave a deposit of £100 to get the credit card. I thought it would be a good idea to help build my credit up. In the summer of…
