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Lowell - T-Mobile - Second Letter Does NOT Deliver What I Asked?!
Hello Everyone :) I received a letter on the 20th Aug from Lowell stating that a debt of £275.92 had been sold to them by t mobile from a contract I had with them 5 years ago. I had also received a letter from "EE - once t mobile" stating the exact same thing and that the account was sold to Lowell. First let me say this…
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Giving creditor (Westcot) my NDL or Stepchange Ref no??
Hi all Just a quick question. Westcot have asked me to provide them my StepChange or NationalDebline reference numbers to them. Am I right in thinking I shouldn't do this? I don't have to do I???? Thanks Worried mamma x
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Any ideas..
All sorted now
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Record numbers seek debt help in 2016, warns charity
Over 300,000 owing an average of £14,000 each turned to StepChange for help between January and June...Read the full story: 'Record numbers seek debt help in 2016, warns charity' 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…
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Full and final
Hi! I would love some advice about dealing with settling some old credit card/phone/overdraft debt that I stupidly accrued when I was younger. I have £577 and £369 with Lowell that both defaulted in 2012. £1600 with Hoist from a default in 2011 and £1600 with PR from a default in 2012. I haven’t made any payments against…
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old debts
As a new comer to the forum I am seeking advice. 10 years ago I managed to get myself in a financial mess which resulted in the use of a debt management agency. After a number of years I realised I could do the same job myself without the ever increasing management fees. Over the years I paid my creditors on a monthly…
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Marston - Notice of Enforcement
Brief background - I'm up to my eyes in debt however I'm beginning to get priority debts paid off gradually. One of these 'priority debts' is Council Tax, which is being paid back to Marston. I'm paying them back £107.00 a month which to be honest is a strain but I felt quite pressured into paying this as they were…
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High debts
Hi, A first post on here and looking for some advice. I am full time employed and a homeowner of four years. After a little number crunching I have realised that I am nearly 70,000 in debt (not including a mortgage). I am more than shocked with myself but I am not sure where to start with trying to sort this out. I have…
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Bailiffs help
I had a guy in a suit with an iPad turn up at my house today- he said he had a warrant to enter my premises. I asked to see the warrant and he said 'when you confirm who you are and let me in'. I wouldn't and shut the door. He then shouted through the window that he was calling the police so he could gain access to my…
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Capquest
Hi Hope someone will be able to advise, back in 2011 Capquest issed a statatory demand (I think thats what it was it definitely wasn't a CCJ) regarding a Natwest account that was not mine. Long story short I turned up in court they did not and I was awarded £120 in costs, the demand was set aside and the cheque arrived…
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Nram f&f
Hi all I made Northern Rock (now sold to Landmark) a full and final offer on £23k unsecured loan I owe them. Am considering bankruptcy so have offered them a very low amount to clear the debt, but it's all I can offer. I made this by phone and went through detailed income and expenditure with their agent who was very…
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Looking for consolidation advice
I am looking for advice on managing my debt to stop it spiralling any further out of control. Here is my current situation with all outstanding debts: - 2 balance transfer credit cards with £3k outstanding (both at their limit) paying 0% for 2 years - Overdraft of £1k paying £1 per day, usually in the overdraft for 3 weeks…
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42k of debt but feeling good!
I've been a frequent lurker on these boards for a couple of years now and had my *real* LBM about 9 months ago. Despite genuinely having great intentions to pay the debt back more quickly a house move a year ago saw the debt rise. I always assumed because we earn a decent amount that we'd be okay. Our joint income is…
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How can I help my 40yo daughter?
About 2 years ago I paid my daughter's mortgage off (even though it was only £400 a month )when she was struggling to keep it up after returning to work on reduced hours from maternity leave after 2nd kid. I'm guessing the family income is around £30k. Naively thinking without a mortgage she would then start saving at…
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Nationwide f and f
Hi peeps :T I have 3 debts with nationwide and have called them today for full and final settlements and they have offered me these figures. I would just be glad of some advice as to what people think do I accept or push for lower. 12836 = 7702 to settle 5926 = 3057 to settle 4627 = 2776 to settle They have all defaulted…
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Poundstopocket and Steapchange
Good afternoon everyone, I have recently entered a DMP with Stepchange and one of the creditors is Poundstopocket. I have received an email from them today asking for for full repayment of my loan which is £1045. I am assuming they have rejected Stepchanges offer. Is this common practice during a DMP or should I be…
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Question about direct debits
Hello everyone, if you set up a direct debit with a company and on the date agreed upon for the debit you have a zero balance, will your bank account go into debt ? Does it matter if its a current account or savings ? If it does go into debt, how long before the bank blocks anymore out going payments. Thank you
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credit agency repayments after 6 years
Hi, Just a quick query. Does anybody know if I am paying Apex £2 a month, but the debt is so old that it has gone off my credit profile, do I still need to carry on paying it? Thank you.
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Hire Purchase Contract finished!
It's taken since July 2014 about 150 phone calls, 20 emails and 20 complaints finally I have had my Hire Purchase contract terminated on grounds their breached the Sales & Goods Act. I purchased a car back in June 2014 for £3995 with a HP Company (Hire Purchase) and literally within 2 weeks the car was back in the garage…
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What small DFW things will you do this week - 5 Sept.
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…
