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Old Debt with Santander
Hi I have an old debt on my credit file from a current account with Santander from 2012. Its approximately £600 I really want to clean up my credit score as I want to buy a house but I'm not sure who I contact to clear the debt and make sure it is update on my credit file. Any help would be appreciated! Thanks :)
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How to get out of this debt
Hello looking for advice. We are drowning in debt and dont know the best way to turn. Advice appreciated. SOA below Household Information[/b] Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 2 Monthly Income Details Monthly income after…
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CCJs after 6 years. Need help.
Hi, I have 2 CCJs from almost 6 years ago. The debt has been repaid but not the legal fees. Because it was so long ago, I don't know which solicitors hold the accounts now to be able to pay them. I know that debt gets sold on and that has happened several times with these 2 accounts. I have spoken to the County Court and…
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Paying back training costs
All, My partner has just got a new job but this means she is leaving her current employment within 12 months of receiving training. She had to sign a training agreement that she would need to repay back training costs if she left within 12 months of completing the training. Her employer wants her to pay £1000 a month for 3…
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Statute barred debt & received letter
Hi Hoping someone can advise. I have had to recently post on here regarding a seperate statue barred debt. A long time ago I took out a debt management plan, couldn't afford that and was advised if I didn't pay that due to my situation and circumstances there was nothing the people I had borrowed money from could do. This…
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CCJ for Statute Barred debt, have emigrated but it's my Mum's house, grr
Hello all! I am here because, I don't know what action to take. Today my mother informed me she has received a CCJ letter, mentioning bailiff's and that I should pay, for a debt I'm not sure of, that in any case is statute barred. I say it's statute barred because I nor anyone acting on my behalf has acknowledged this…
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What small DFW things will you do this week? Wc 17/10/16
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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Court Claim Form N9a
I have filled out the form, with my offer and including my income and expenditure. It says NOT to send a copy to the court, but I'm confused as I've done a search and some threads say to send the court a copy. The guidance notes expressly say not to send the paperwork to the courts, what should I do?
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Lowell debt collection
Can anyone help? I was contact by Lowell financial regarding an outstanding debt with Orange, i sent Lowell a letter asking them to prove the debt is mine (i has have no recollection of it) with the £1 cheque. Lowell sent the £1 back to me with not much in the letter, 2 weeks later i have received another stating here is…
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Debt Management
Dears, I need a plan for organize my expenses and my loans. Regards,
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Help with debt collection letter.
Hi guys. This is my first post about debts... Please be gentle! I'm not sure if this is the right section so apologies if it isn't... I'm just really worried.. I've never had debts or letters like this so slightly shook up. The background to my case is that I bought a leasehold flat in March. The service charges and…
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Drowning in debt
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... 0 Number of cars owned.................... 0 Monthly Income Details Monthly income after tax................ 1232 Partners monthly income after tax....... 0…
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Am I paying too much?
Hi all Just trying to scrutinise finances: 3 bed semi, early 30's. Energy £852 per year B&C Insurance- £250 per year Life Insurance - £387 per year Car Insurance - £200 per year Shopping - £280-£320 per month Anything look excessively high? Thanks !
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Help with SOA
Hi Long term lurker first time poster. We are currently managing to meet minimum debt repayments and are trying to overpay as much as we can to become debt free asap. Any pointers on the attached SOA would be lovely please :) Number of adults in household........... 2 Number of children in household......... 3 Number of…
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Housing Help
Hi Everyone, Im after advise please. I have recently started a DMP with Step Change to finally cope with mounting debts. I have also sold my house to free up the equity to clear some of the debts. However I am now faced with the predicament where my credit rating over the passed year has really been affected and I feel Im…
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Debt collection agency
Hi there, My gf received a letter from Advantis Credit (debt collection agency) stating that she owed a debt from student loans company for £2300. We're not in the position to afford this debt and wanted them to prove what the debt was for as we'd received nothing from student loans. We sent them the first letter of the 3…
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not paying back / delaying paying back money "sent to wrong payee"
My bank is HSBC, which has sent me a letter detailing a request from Lloyds for request of authorising a debit for money sent to "wrong payee from list". Am I allowed to simply write back to HSBC saying, "authorisation not given"? without giving a reason or explanation. What would happen next if I flat out refused to hand…
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Saturday confusion
As a newbie here, I've found this forum very useful and informative so no confusion there. My confusion comes from a letter received this morning from Amex, saying my account was being referred to external collections agency NCO. I'm currently on a DMP with StepChange and this Amex a/c is already with NCO and has been for…
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Ccj
Hi looking for some advice please... I own a flat which was leasehold and the flats in block now own the freehold. The previous man running the company set up to own the freehold was a con man. He took over £3,000 and pocketed it for himself. I refused to pay any more money into the pot which resulted in a ccj being…
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Barclaycard disaster
WARNING IDIOT ALERT Many moons ago I got a Barclaycard, and probably used it but not for much. I am also one of those people who doesn't bother with the finances leaving to my wife. Now I have suddenly taken note as I am struggling and have found years of Barclaycard statements which seem to be spiralling upwards into debt…
