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debt management plan? ??
If i have a bank loan with the bank i bank with and have put my loan in the debt management plan how will this affect me?
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Telecommunications debt
Hi, new to the forum. I recently signed up with equifax in order to check my financial situation. I have 2 outstanding debts which are currently in default since 2012. EE - 131 pounds is from a sim only mobile contract which i entered into, i didn't even open the letter after the sim was sent out to me so it was unused.…
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Unmanaged Debt
Hi All, I have read through various forums regarding Statute barred debt and F&F settlements and cannot find an answer relevent to my situation, any help in clarifying this would be much appreciated. My situation is as follows... I moved back from university in 2008 and rented a flat alone and hadn't accounted for basic…
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Default Satisfaction Date
I have just looked at my credit file and one of my Santander accounts shows as zero and Default Satisfaction Date was over a year ago. I am paying a monthly amount to Santander so am not sure why if they have put that it is satisfied? Any advice on what to do next would be appreciated. Also on the same account (overdraft)…
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Court claims form - Santander / Howard Cohen loan
Hi everyone Many thanks for any help anyone can give me 10 plus days ago i received letter's from howard cohen asking for contact on a loan if not they would file a courts clams, which today i have got the letter for :( I was going to send a CCA request but due to family issues never got around to it (yes i know that…
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Terribly confused....?!
Hi everyone, So I had a payday loan with Uncle Buck. Obviously defaulted and it was passed to a debt collection agency (Plandeal collections). The outstanding amount was £146.99 and I had an arrangement set up with Plandeal to pay £10 per month. Last month was fine and paid, then during the month it was passed back to…
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SB query?
Good morning all :) I received a telephone call from a DCA last week (MKDP) regarding an old welcome loan I had. Now, I had thought this had been dealt with some time ago so I asked if she could be ever so helpful and send me some statements/original agreement from welcome. She could not - after going away for a few…
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Rossendales - income and expenditure details
Hi, I'm currently dealing with Rossendales in relation to a tax credits debt. I ended up with an overpayment which I completely accept was my fault and am happy to pay back. I've offered £100 a month and made the first payment. Rossendales have since set me a letter asking for me to list my income and expenditure details…
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Wednesday 29th 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 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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Overpaid Salary
My former employer from 2011 has sent a letter to my parents address stating that I was overpaid during my final salary payment. I'm not sure how they got that address as I haven't lived there for over 6 years. I now live in South Korea. The employer contacted me first in late 2012 to state that they had overpaid me, at…
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Do I have a legal position?
Ok, In 2011 I fell into financial difficulty and my business went to the wall over night with plenty of debt outstanding, I called the likes of step change for help and were very helpful and recommend this to anyone in trouble. For most of my creditors I called them and I went through a income and expenditure and it soon…
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CCA Requests
A quick question if you don't mind please. I've not long started a DMP, (first payment went this month) I didn't CCA any of the debts can/should I do this? I know the debt will still stand and I intend to pay them via my DMP but thought if I was ever in a position to do full and final then this may be useful? Thank you in…
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Mkdp - llyods tsb debt
Hello everyone About 5 years ago I got in a mess with wonga, I had a £600 loan and ended up switching my bank account for my salary to be pAid into so I could default on the wonga loan and set up a payment plan. Wonga couldn't agree to a payment plan at the time and after a couple of months took the money from my llyods…
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Friend in debt/ budgeting skills
I have a friend who has recently revealed that he has very large debts and rent arrears, partly due to suffering from depression and anxiety over a number of years which he had tried to manage without support. He was afraid he was about to get evicted. We have been to see a debt advisor, the landlord is holding off and he…
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CCJ and satisfied debts
Hi 2 questions really, hopefully someone can help 1. I have been charged for water at a property for 5 years after i moved out, i have eventually managed to persuade Anglia water that i haven't been living there but they have registered CCJ's for the years of debt, whats the best way to get these removed as i never owed…
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Not sure what to say back to Ruthbridge...
Hi all, After some advice. Ruthbridge recently got in contact about a debt that a) I have no knowledge of and b) is not showing on my credit file. So...I sent them the combined letter stating no knowledge/statute barred. I got asked for full name, DOB, address and previous address. I stated that I am not obliged to provide…
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Debt free at last after some luck
Since i graduated uni some 6 years ago i have had debt that just kept creeping up and up, interest rates starting out reasonable suddenly going up to levels that made reducing the debt hard. I was paying about £600 a month and only half touched the capital. At my peak i was around £10,000 in debt but from today i feel a…
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Dubai Debt Chase
Hi all, sorry you've probably come across this more than a few times already (which means you're all experts now :-)), but i need some advice please. I left Dubai in March 2012 with some debt (HSBC). This was mostly due to taking a loan to buy and flip a property which went south. I was recently contacted by phone (at…
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Final Notice and date deadline
Is it the case that before court papers can be issued a DCA must give you a final notice to pay by a specific date before they can go to court papers stage?
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Stop CCJ process after court papers?
Can you stop the CCJ process AFTER you receive court papers if at the point you receive them go back to the DCA and agree to settle/enter repayment arrangement?
