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Threat of Statutory Demand
My company ceased trading about a year ago and when I informed one particular creditor, they began threatening a statutory demand on me personally (as I am a personal guarantee for the finance). We have been going back and forth trying to agree a suitable payment plan and due to the severity of the situation, I ignored…
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Easy Money from TCB
Hello fellow DFW's, Thanks to many of the good people posting on the thread 'What little money saving things will you be doing today' my interest in cashback sites has been renewed over the last couple of months. It's saved me approx £50 on Christmas shopping. I just wanted to let people know my experience of TCB and a…
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Step Change - Changes to your agreement
Has anyone else received a email from step change stating changes to there agreement?
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Charges applied
Hi, not sure if this is the right place? I owed £1250 council tax and my debt was passed to Jacobs. I paid £600 in October and agreed a payment plan but personal stuff happened and I broke it. Last night I paid £550, leaving £100. Today I phoned to pay the balance but apparently someone had been to my house this morning…
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Text from PDCS ?
My girlfriend has had a text message from a 'pdcs' saying to call a glasgow number 0141 951 6440 She doesnt owe anything for debts Any idea of what or who these people are? Her full name was at the top of the text message, and says she needs to call 're an important matter' there was a reference number to quote too.
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1st Credit/ Judge & Priestly chasing old debt
I hope someone can help me. I've had a letter today from both 1st credit and Judge and Priestly Solicitors about a old bank loan that I got out in 2003, which I stopped paying a year or so after. This is my only bad debt. I did start paying a small amount towards it a couple of years later and then stopped again due to…
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Consolidation Loan a good idea??
Hey all Just wanted to ask your advice on whether i should get a consolidation loan to pay off my credit cards.. Currently I have the following: Credit card 1: £3200 @ 17.5% APR Credit card 2: £1300 @ 34.9% APR Credit card 3: £1000 @ 34.9% APR Currently I pay off around £200 split between the 3 cards a month. I've just…
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Debt says settled on credit file but still being chased
I had a debt of 5k with the bank of Scotland it defaulted in 2008. I had been paying it off to cap quest over many years at 20 pounds a month. In October 2015 I decided to dispute the debt on mental health grounds and that they authorised my debit card for 2.5k worth of transactions over my agreed overdraft in a 24 hour…
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Thursday 14th January - 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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Debt Advice (DMP/F&F)
Hello, I would appreciate some advice. I've had a DMP since mid 2009 with the debt now down to ~£23000. I am 27 and have been unemployed since September 2014 (back to university) but my father has made the DMP contributions on my behalf, the DMP and creditors don't know that but I think I should tell them now to help with…
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Debt plan help
Hi all After receiving a demanding letter from the DWP for a over payment from years ago and been behind in other payments on top of having £1800 in payday loans i have contacted Greg Pennington for a DMP however i am unsure on some things. can a creditor refuse the plan and if so what happens? Can a creditor refuse…
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Received invoice for £6 after a decade
I really wasn't sure where to post this but I figured somebody here would have an idea of what best to do. A few months ago I received an invoice by email out of the blue dated three months previously and claiming that I owed this company the enormous sum of £6.00... I do actually know the company but haven't had any…
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Should I pay off a £5K loan with the proceeds of my house sale?
Hi folks I have just put my house on the market at the moment, and have decided to step off the housing market for a short time (as I'm relocating and want to be chain-free) I have 2 years left and an outstanding balance of £5K on a personal loan. I am wondering, once the house is sold and I have banked the proceeds for a…
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Cabot full and final offer
Hi Just wondering how much i should offer Cabot in full and final payment for a £1200 debt they have had for about 4 years and i am paying £11 a month through my dmp , as in about a month i will have funds to clear this and all my other debts , any input appreciated thanks
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Moorcroft Group Plc Letter - phishing scam?
Hi I received a letter yesterday from Moorcroft Group which states the following: "We are attempting to contact the above named person regarding a personal matter and we have been provided you addresses a possible address for our customer. If you are the person named above, please contact our office on .... However, if you…
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£10k in 12 months
Hello Everyone, I've joined MSE forum today to seek advise and also to make a log of my personal journey as I aim to become debt free in 2016. So let me start by listing my debts: Cabot Finance £8,960 (was a Lloyds TSB loan) default date Oct 2010 Cabot Finance £1,860 (was a Lloyds TSB Credit card) default date July 11 I'm…
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Few questions about insurance cancellation....
So... I bought an Rx-8 a few weeks ago and unfortunately my father's cancer has gotten considerably worse, which means he is now permanently in hospital, he is in his last weeks now unfortunately. During this sad time, I have had to sell my RX-8 for the sole reason of the costs involved regarding petrol and my huge 311.14…
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MSE News: A masterclass to cut the cost of ALL debts
Here's a masterclass from Martin on cutting different types of debt...Read the full story: 'A masterclass to cut the cost of ALL debts' 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 New to Forum? Intro Guide.
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Natwest Deafulted Current Account
Good morning, My girlfriend has an outstanding default on an account since 2012. Last year she rang Natwest to try and arrange a repayment plan. She is unsure of the details but believe that they would not take a payment or set up a plan as the debt was no longer with them. We will be ringing up again this Friday to try…
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Natwest Deafulted Current Account on Noddle
Good morning, My girlfriend has an outstanding default on an account since 2012. Last year she rang Natwest to try and arrange a repayment plan. She is unsure of the details but believe that they would not take a payment or set up a plan as the debt was no longer with them. We will be ringing up again this Friday to try…
