-
It's finally happened
I am now debt free for the first time since 2007. Although the last 2 years were just small debts. But after paying off the last £1,060 for Barclaycard and littlewoods this morning and knowing I don't owe anymore money to anyone feels great. I can now focus on saving. Although paying the last bit of debt off kinda felt…
-
TSB Collections
Hi, I know that I owe TSB a sum of money for a defaulted account and it is showing on my credit report. I haven't received any form of contact from them and wish to get it sorted asap. Does anyone have TSB collection address or contact details please? Thank you, Danielle
-
Summons incorrect
I have received a summons for non-payment of Council Tax. :( However, I've just moved around a month ago and paid my Council Tax at this address. On the Summons it states that the "Address Giving Rise To The Charge" is my current new address - I didn't live at the address on the Summons between the dates given. This is a…
-
Varying a final charging order
5 years ago my STBX had a FCO registered against our joint home as a restriction for £12k. He then went bankrupt and I purchased his BI from the TIB. The FCO has 8% interest attached to it and fees and now stands at £16500 and keeps going up because of the interest. This is eating into my equity since I purchased the…
-
SOA. I have ideas. Hoping u can find others
[ new]Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 0.00 Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 2,568.00 State Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .…
-
'Breathing space' bill to provide up to a year's respite from drivers of debt
People who are experiencing money troubles could soon benefit from up to a year's 'breathing space' from the drivers of worsening debt if new legal proposals are given the go-ahead...Read the full story: 'Breathing space' bill to provide up to a year's respite from drivers of debt ' Click reply below to discuss. If you…
-
Xercise4Less - Harlands - CRS - Zinc
Hi all, Very sorry for the long post, hope it makes sense. I have seen quite a few posts here regarding Xercise4Less but every case seems to be different and i just want to check what i have done is correct. I was with the gym for approx. 2 years, i changed jobs and could no longer attend the gym so i went into the gym and…
-
Current Status
May 2014 - total debt £31,900 over 7 credit cards * Took out a debt consolidation loan with Natwest of £25000. I know that these are not for everyone and we will have paid back £31k in total on this loan - but it worked for us. We also took out a credit card of £6900 to cover the remaining debt. We have paid £871 off the…
-
Advice regarding non responding Creditor
Hiya all, I have a debt for which I have been paying back what I can afford over the last 3 months and will continue onto this month and beyond. My contact has been with a solicitors who were originally responsive, I sent them a payment plan, this was rejected and they came back with an offer that was double what I could…
-
Checked credit file, What does this search mean and why is it there?
Hmrc (Cval) Hmrc (Cval Ml) Just checked my credit file & have no idea what this is or why? worrying be a bit. Any enlightenment would be greatly appreciated. Thanks.
-
Getting out of debt - advice on 'Plan' & 0% balance transfers
Hello, seeking advice on the below situation, I am very new to all this! I was hoping to move £8,500 debt (5,500 on the CC & 3,000 overdraft, TSB) onto a 0% BT card, and was on Monday, accepted for a virgin money (32 months @ 0.59% fee) card, however only for a balance of £2,200 (still something!). I am wondering if I…
-
Getting on track but appreciate input!
I've been in debt for most of my childrens lifes with a few spells of paying it all off only to slip back to where I was before. So here I am looking to sort this once and for all. My LBM occurred when I realised just how much I am paying Barclays for my overdraft each month; that £200+ would be much better in my own…
-
SOA Help
Been sticking my head in sand for too long... This is the situation laid bare.... Any advice??? Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 2 Monthly Income Details…
-
cca request next step - advice please
Hello, I requested cca's from my creditors back in March, one came back with a signed cca, two didn't. I sent the two dca's that couldn't provide ccas letters last week saying that as they have gone over the 12+30 day limit I wanted them to cease all contact and remove the defaults on my credit file, as they have not…
-
Put my wife's name on one of my accounts - now she has been refused a loan
OK, so just to set the scene; I've had a pretty chequered credit history with defaults and missed payments all over the place. However, in the past 6 years or so the defaults have fallen off my credit file and I'm just left with the odd missed payment/going over limit which has meant my credit file is improving, but not…
-
Removal Notice issued
I have returned home from work today and found that a Baliffe has been to my property to collect goods for unpaid council tax. And requesting that I pay £1,340.00 or goods will be taken from my property for resell I have rang the council and asked for the debt to be taken back they refused as no payments had been made. I…
-
Link financial outsourcing
I have been on a dmp with stepchange for around 8 years now, there are just over 12 months left but now this debt has been assigned to link financial I have never missed a payment and the light at the end of the tunnel is well within sight, I am a little worried now that this has been assigned to link, I really don't need…
-
Living alone, spending money question.
Hi i'm new here and this coming November i'll be moving out on my own for the first time ever, now im only slightly panicking about how much i'll have left to spend each month. So after EVERY outgoing i can think of (such as Mortgage, Food, bills, fuel for car, dog, credit card, home insurance, etc) i'll have about…
-
Forcing Defaults
Quick question to gather peoples thoughts I am currently on a DMP with StepChange, I've been looking at my Noddle file and some of the creditors have defaulted me around the same time. Some of the others however haven't defaulted me and have either marked my file as having missed payments/up to date or arrangement to pay…
-
app for tracking spending
Hi, can anyone recommend a simple mobile app for tracking spending? Preferably one that backs up automatically online and also exports to Excel if possible? Thanks!
