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Mortimer Clarke Solicitors
I have received a letter from these Solicitors referring to a CCJ against me for their Client Marlin Europe I Ltd. This is the first I have known about this and I have never heard of Marlin Europe! They are asking for all my financial details to try to make an arrangement for payment - failing which they will apply for an…
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help wanted about default
hello need advice about a debt I got a default notice but this was never registered to the credit ref agencies this debt was sold to a 3rd party debt collector I was checking my credit file and things were not right as the new debt collector was putting wrong information on my credit file. I made a complaint to cra and…
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Advice required re. old debt
I wonder if anyone can help with my current situation. Many years back I had a joint loan with my then partner with RBS. Unable to pay the current contributons we chose to take out trust deeds which included this particular loan. This was in January 2009. Unfortunately due to a change in personal circumstances, within 18…
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Partially settled status
I have a creditor I have written to make a settlement offer, a company called moorgate. I used a template from the national debtline website. Having spoke to them on the phone before they suggested that as the interest is frozen they would not take an offer and would want the full balance of £1800. I wrote a letter…
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Renting credit checks
Hello, I'm new to the forums and not 100% sure I'm posting in the right place so please point me in the right direction if I'm not! I've been on a DMP for a couple of years now and have two defaults on my credit file. My boyfriend and I are looking to move out in the next couple of months. We have been living with my mum…
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hello checkmy file question
hello back here after few years away and back to square one .Not in a huge amount of debt but at 35 years old i need to take charge .Ive done a budget via step change so know what i have available.My question is ive got my credit file from checkmyfile as it said it :mad:as it say it check all three can i take that as there…
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CCJ - Claim Form received - HELP!!
:mad: Ladies and Gents, Bit of history..... Black Horse agreement. The car was handed back. The amount Black Horse requested to settle after they auctioned the car was in dispute and never resolved. Black Horse issued and then applied a default notice to my credit file dated XX/XX/2010. The debt was then sold to Lowell.…
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I'M in desperate need of help
Hello, I only joined MSE today in the hope that someone can help me with my debt. Long story short going through depression I managed to rack up alot of debt through gambling, I know it was a stupid thing to do looking back, and i have potentially ruined my life. It started with losing my wages and getting a few payday…
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Will £2613 default dropping off improve score?
Got a default that is going to drop off my credit file in July from overdraft charges on an old Account. The amount was £2.613. Will this dropping off my report make much difference do you think? The are some other defaults, again really old. I have started to be approved for more credit again now. Score is currently 582…
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Sat/Sun 16th/17th May 2015 - What small DFW things will you do this weekend?
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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Protected earnings amount in relation to Attachment of Earnings
I have a debt (not sure of amount) and have received a letter from Mortimer Clarke Solicitors saying their Client has a CCJ against me and if I don't pay in full or provide details of my financial circumstances then they will make an application for and attachment of earnings. Someone has mentioned that there is a…
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Default can we get it moved
Hi a little advice please, we started a DMP in 2008 after checking out credit file Barclaycard have only defaulted the debt in Sept 2013. Can we get this moved back either to 2008 or just a couple of years? Do we write and ask Barclaycard to do this? Thanks guys x
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Starting over...
Here I go again... After a bad few months (kinda still going through it) not sure if I was full on depressed on just massively fed up with my lot but I am back on the horse to start making a dent and get rid of the debt hanging over me. Need to update the signature but it currently stands as; Loan - £3,826.40 (£313.91pm…
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A full, fun and free DFW month!
OK, most of us on our debt free journey are skint. Now this can present challenges as to how to entertain ourselves and our families. It was no problem when we were in our spendy ways as we did what we wanted and simply stuck it on the card if we couldnt afford it! No More. But i am determined that we cant all just mope…
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MSE News: Guest Comment: You can tackle debt and stress at the same time
As it's Mental Health Awareness Week, the chief executive of StepChange explains what it's doing to help people... Read the full story: Guest Comment: You can tackle debt and stress at the same time Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our…
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Friday 15th May - 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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Any leverage against BW Legal due to what I see as breach of DPA?
Hi all, BW Legal have an old Lloyds account - balance of £958 - I am in the process of getting a settlement figure. I've just remembered that they attempted to apply for a CCJ, I applied for a Tomlin order and the action was stayed, however they sent me paperwork which had my details on the covering letter but the actual…
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Cabot advice
Hi all, I had a loan originally from Welcome finance some 10 or 12 years ago for an amount I cannot even remember, but approx £1500. I was making the normal payments until I got into financial difficulty and they let me pay a small amount of £20 a month and they said interest would be frozen. Some time later I moved house…
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My revelation
Hello everyone, Having read through what must be hundreds of posts over the past week on this board (alongside the MFW board) I finally thought I'd register and declare war against my debt! Up until last month I was ignorant towards my finances and as a result was falling behind with numerous payments. I do not have an…
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Confused over part-settling some accounts?
Right, If anyone could clear this up for me I would greatly appreciate it. I have some old Lloyds accounts which went into default in 2009/2010. I've managed to agree F&F figures with the two companies for about 50% of the balances. They will mark the accounts as partially settled. These accounts will have been marked as…
