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Paying energy bills
Hello any advice please! I have had a couple of letters from edf saying energy bill is overdue and they will be taking further action if they don't receive payment soon etc. I do not have the money and won't until I get paid next week. I don't need a payment plan and can pay it off in full once I get paid. I don't want to…
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Closing accounts?
Hello, any advice please? I have two store accounts, one for Next and one for Littlewoods, I opened them years ago and my limit on each account is about 6k and I went a little silly and have ended up paying them off for years because I got stuck in the cycle of buying things I didn't really need or want that much just…
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Full and final working through debts
Hi first post Currently on a debt plan with CCCS but now our debts are getting lower paid nearly £34k but have £17k left but spead over a quite a few creditors. Is it acceptable to make my way though the list making offers to individual debts to settle that one debt at a time. Ie could get overtime and stretch hard to get…
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unsure where to ask-quick question please?
Hi, I need to get my 16 year old a pre paid cash card today if possible.. 1. can 16 year olds have them? 2.can we go to a bank today and "buy" one or do we have to apply/ wait for days etc etc? thanks in advance curly
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No address??
Hi, I've spent a considerable amount of time and money taking someone to the small claims court. Long story short, I won the full amount. I chose not to have a CCJ against the person (regrettably now) and the judge made the statement that if said person pays x amount until full amount has been paid, the case will be…
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Any help welcome
Hello , I hope someone can offer me some help , I have been treading water for the last 6 years since my divorce but I have realised that Im actually just making the minimum payments and slowly but surely skinning further and further into debt . I have read a few posts tonight , and I have seen that a SOA is essential…
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Does debt to income ratio matter?
Is there a point where unsecured debt to ratio reaches such a point that the debt become unmanageable? Our current unsecured debt to ratio is currently around 62% if we use our gross salaries but if we use take home pay its more like 95%!!!!!!!
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chances of getting 0% credit card with late payments
Hi, Has any one had success getting a 0% credit card with previous late payments on credit file. No late payments on credit cards but a couple on bank account. Debating weather to try and get a 0% card once default drops off in jan or as a last resort asking parents for a loan. Thanks
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Not my debt!
Not sure where to post this but would appreciate some advice. My ex lived with me for 4 months in early 2015. I have been receiving letters for him, some look like Government official letters, some are from the Council. I have been passing them on to him but I can see that they are for previous debts, something to do with…
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Cabot financial
Hello all - I'm not new to the forum as I have been lurking for many years and finally taken plunge and signed up! Nice to "meet" you all! In the last week I have been receiving almost daily calls from a company called CABOT. I have ignored the last few, as during the first conversation before disclosing the reason for her…
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It's really hard
We've got quite a lot on the go I won't take out two cars at the same time again and I've just put my debts all in one place and if I can stick to a budget they'll be cleared in 3 years and on paper be £400 p/m better off. I was just in my overdraft before so I just used to switch out what I needed etc, within reason. Now…
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Letter for enforcing debts
Hi, we are on a DMP and I'm reading a lot about some debts not being enforceable if creditors can't send copies of your signed agreements. If I send these are they likely to have a negative effect on my DMP? As in will I rile the creditors and them chose to no longer accept our DMP?
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In DMP and selling my company
Hi all, back on here again. I have been in a DMP for six years or there a-bouts. Total debt just shy of £300,000 all unsecured. Payments under £100 per month. Recovering alcoholic with Bipolar and other issues. I live and work in my business. but need to sell as I can't cope. This could be sold for £300,000. But then I…
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Acknowledgment of debt
Can email be counted as Acknowledgment of debt? It's in relation to debts that have fell off my credit file but i'm worried that they might give me a CCJ if they take an email as Acknowledgment of debt. The debts are about 8 years old not. I don't get threatening letters anymore but I have just received a financial…
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In need of advice please \ Josh
[FONT="]Ok, firstly I have read a lot of threads on this forum and I don't think my situation is that bad in comparison to others. However, I am now suffering from depression and would like some advice on how to proceed with my life and finances. I am a 24 year old male, currently living at home with my parents. Around…
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6 year credit history drop off
My predicament is I have two unsettled defaults on my credit file. They are both due to reach 6 years within the next 10 days leaving my credit history clean. I am trying to sort a mortgage within the next couple of weeks so these are of some concern. one is for £135, the other for £250, so relatively small I would say. My…
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court summons
Hi all, 1st time poster on these forums but do read them from time to time for advice. I'll try to keep this short, was stupid about 6/7 years ago and got myself into a fair bit of debt on credit cards and unsecured loans, couldn't keep up with payments for it all and defaulted on them. After that i've just buried my head…
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Confused about statute barred dates
I'm really confused and getting worried about a letter I received today from the county court on behalf of Lowell / BW Legal, and would be really grateful if someone could definitively answer when statute barring dates from? The issue date of the court letter is 30/9/16 and it's for about £5k on credit card. I believed it…
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Vodafone bill default nightmare
Hi all. After a nightmare service with Vodafone a 'manager' decided my contract could be cancelled with no termination fee around 1 year ago. Since then I received no correspondence and assumed all was well. 2 months ago I got a letter for outstanding balance of over £600. I called and spoke to several people and…
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overdraft or credit card ?
Hi looking for a bit of advise , currently got an over draft of £1900 which i pay £1 per day (so £30/£31 per month ) if i took a credit card and shifted the debt to that would it be cheaper than the £360 per year im paying to the bank ?? im not great on how credit cards work , any ideas would be helpful Thanks keigan
