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Car Hire CCJ - Ridiculous
Hi All I'm new here so please forgive me if this is in the wrong place i tried to find one, i'm in a little bit of a tizzy right now but really need some advice. Earlier this year my mother turned 60, for her birthday I decided i'd get a quote to hire a lamborghini from Friday-Monday to take her to her surprise party. I…
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Debt collection letter offering discount - legally binding?
EDIT: full letter is here. Make sure to delete the space between ht tp: ht tp://tinypic.com/view.php?pic=125jta8&s=9#.V8CcsjX-jSZ Hi, A couple of years ago I got into financial difficulties and ended up defaulting on a number of my accounts. Lowells (the debt collectors) have written to me today, offering a 75% discount if…
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SOA Please take a look.
Please take a look. We are wanting to pay off our debts as fast as possible. Any advice would be greatly appreciated. A lot of debt but good news is that so there is no interest on any of it so far. Any suggestions on budget and attack strategy? TY so much. Statement of Affairs and Personal Balance Sheet Household…
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Nationwide unable to provide statements?
Hi all, Not sure if this is the best forum to post in but I'm hoping someone can help. Basically, I am trying to get a full statement of my Nationwide current account. I don't use the account any more but am still paying off the overdraft. It's currently with their Collections department. I spoke to someone earlier in the…
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Help! Potentially getting myself in a pickle
I've recently had to walk out my job due to health reasons (long story). I am a single home owner and applying like no tomorrow for jobs but getting nothing back. I'm starting to panic now. I hardly have any savings to cover my mortgage and bills each month. My property has been on the market for a few months now but no…
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DLC debt collectors
Hi My husband has had letter today regards a Statue Barred debt, We know for a fact this is so but they have pulled payments on the account from the sky, We have checked bank accounts for the dates they say they had cheques but no cheques have been issued to the, This debt is going back to 2008.. I sent statue barred…
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Help me help my neighbour - debt solutions sought.
Help! I need some pointers to assist an elderly neighbour TODAY on how to deal with a debt mess..... Long story short, pensioner, asset rich (owns home outright etc.), cash extremely poor... (not enough to meet outgoings) She has turned to me for help as she has been quietly accruing debts and they have now overwhelmed her…
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The Best Way To Pay Off Debts?
This is a long story so I do apologise to anyone who stumbles across this and is bored to tears but I would appreciate any advice or guidance on the above matter. Back in 2013 I had a business that failed. I defaulted on several debts. The complete amount on my credit file showed as owing was £13,701.00 I buried my head in…
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Littlewoods chasing me
Hello, I ordered a product last year via Littlewoods because it was cheaper than most other websites and offered next day delivery. I went on a 12 months no interest plan... Because why not ;) I am very careful with things like this and will only spend the amounts I can pay back, The item was £279, I made a payment via…
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Hearing on 26th Sept for repossession
Hi this is a long tail but to cut it short - I am no longer able to work due to various medical conditions such as depression, thyroid disease, fibromyalgia and CFS. I was dismissed from my last job on medical grounds. Since then we have struggled with a mortgage but have made most of the payments since we agreed a payment…
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DAS/DPP - F&R test - anyone been here?
Anyone any experience of this part? That's me now officially awaiting this. 15 creditors, approx 11.7k debts, 16 installments proposed. 7 of the creditors actually responded. Six accepted, including one that makes up the biggest % (roughly 1/3 is owed to them). The one which rejected is worth about 1.5% of the total. All…
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Need help
Hello Everyone , So I have got a bit of debt , around 7,000 euros on a credit card, it has been driving me crazy with very little sleep and making my colitis much more worse with the stress. I have not told my wife but have written a letter about it to her today, but I have now hidden it like every credit card bill I get…
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Dealing with Lowell... Help :)
Hi, So I completed my DMP with StepChange in September last year and thought I had managed to clear off all my debts. Big thanks to StepChange either way! Come Jan this year I have been changed by Lowell for two debts. After challenging them with the prove it letter one of the debts was removed as presumably it had already…
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Proving debt DCA claims I owe
Hi all, I sent off a prove it letter to a DCA a while ago ( I think about two months ago) as they were chasing me for an alleged debt which I asked them to prove. Today I received a response from them and a copy of a credit agreement that I had signed - however, they have sent me an agreement for a company I do not recall…
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Soa
Hello, I was just wanting some help with my SOA. I'm currently on ESA support group and living with parents and they only want £50 a month to cover my share of bills which includes some food but if want anything over that i have to pay for it myself. I do have a car but my parents have taken over the running costs as we…
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£130K in debt: advice needed
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Restons....arrow global....hsbc confused now a step further HELP
So after having a letter from restons a couple months ago i sent the prove it letter....i didnt hear anything didnt think much of it.....today that changed i have had court papers land on the door mat....what do i do?
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help please - adding additional debt to a DMP!
hello and thanks to all that reply and help i have been in a DMP for 2 years now paying at least 20k off! (yay!) however just recently a old gambling habit returned and lending from pay day lenders - i know this is completely against my DMP rules and i know very stupid of me!!! im very disaapointed in my self! i an with…
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Question about defaults
Hi all, I have 6 defaults in the last 6 years and by january 2017 4 will be 6 years old and off my file but i still have 2 left from 2012 and 2013 ( £71 and £146, small amounts but i was very sick at the time ) I have never been chased and i cant even find who i now owe the money too as i called one ( EE who said it would…
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Council tax debt (Bristow & Sutor)
Hi everyone, was wondering if anyone had advice on this; there have been older threads along similar lines, but I wasn't sure if the information in them was up to date or not. Basically, I defaulted on the current financial years' council tax; I know it sounds naive, I just didn't realise they'd get quite so demanding…
