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Bailiff
Hi I hope you don't mind me messaging but I am really worried. I have today had a bailiff from the courts knock and ask for me ,my husband panicked and said I didn't live here. Anyway she left a contact slip and says to contact them immediately if I don't live here. I suffer with anxiety and panic attacks and I can't talk…
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CCJs - Statute Barred - Troubling wording on some sites...
Hi all, This is concerning CCJs, court claims and the 6 year rule...... If you read the criteria on Moneyaware.co.uk to satisfy being stature barred, besides the other two criteria (Not admitting liability and no payments in 6 years), they have the following regarding CCJs: The creditor has not registered a County Court…
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Massive jump in credit score?
Hey all, I just got my latest clearscore report and I've jumped from 186 to 349 - which puts me just below the UK average. It says 'No Changes available' for February so I can't see what's caused this. I've had 2 defaults forgiven, and paid another one off since my last report but this was done in the last week so I doubt…
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Advice on over paying
Hi, I've been doing a fair amount of browsing and feel confident about posting now. Me and my partner have a small loan approx £5K left, paying £330 a month as we wanted to reduce the term substantially, it currently has just over 12 months left. We have just this January started saving very harshly putting away £900 a…
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Cabot, Mobile Phone
I had a letter through this morning for £622 from cabot for EE now I don't recall having a phone contract with EE. There has been £2500 made in payments from the period of 2010 to 2014 on the account between those dates I had severe mental health issues so I am having a job remembering what phone provider I was with at the…
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Baines & Ernst
My wife and I completed our DMP with Baines & Ernst. Other than a couple of minor grumbles everything went fine! We are now debt free and rebuilding our credit score. However the good feeling has now been lost. I received an email from B&E today. Here is that email. My question is, can we expect anything from B&E in terms…
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Direct debit mandate live. Payment not taken this month. Claim for CCJ.
I have a £10 monthly direct debit set up to repay a Capital One CC. This was set up with Fredericksons in April 2014. The debt was around £300. Fredericksons was taken over by Lowell portfolio last year and everything continued as normal. Payments are always taken on the first of the month but no payment was taken in…
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Husband is fuming but I don't understand why
I am a long time lurker of this site so decided to come here for advice. I have been married for 10 years and we have 2 young children. I have a decent job taking home just over 3K per month. My husband works part time ( long story) earning about 1k per month. It actually works out ok as he is able to do school drop offs…
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First Default Notice and panicking
Hi All, I have just received a 'Termination Notice' from Barclaycard saying that because I've made reduced payments and this doesn't meet my contractual payment they are closing my account on the 17th April 2017. It also says that once the default is registered, I will be required to repay the full balance on my account…
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in debt reality check! Help Please?
Hi everyone Ive had a bit of reality check today need to face facts and the fact is im in debt and lots of it! Both my husband and i work full time and have 2 children one in full time nursery and one in wrap around. We are struggling to make ends meet at the moment and im unsure how to start fixing the issue. I have done…
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Making changes (added SOA)
Hi everyone Been reading and posting a little bit for about a week now but now introduced myself yet. I am here because I am sick of each month writing out my budget and thinking "crikey I should be loaded!" on paper I should have £££s left in the bank at the end of the month however in reality I just dont and am sick of…
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Overdraft to Pay Off Credit Cards
Working out partner’s finances. Im trying to work out if an overdraft works out the cheapest way to pay off two credit cards. Two credit cards. Barclay Card £649.08 debt. 29.90% APR Nationwide £700.39 debt 27.90% APR If I pay off both cards within 12 months the interest i’ll pay will be Barclay Card £194.07 Nationwide…
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Re Park Hampers
Hi just a quick question wondering if anybody could help me:D I've started a dmp and I'm getting back on track....to avoid the disastrous xmas I've just had I've started saving with park...only thing is i gave the cheque to cover the first payment weeks ago and didn't realise it hadn't gone out...its due to bounce today…
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Full and final settlement question
I have put in a F&F settlement figure with stepchange. Have been asked to supply a doctors letter regarding my husbands mental health status. What do i need to ask the doctor to include? Thanks for reading L2B.x
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Feeling miserable and stuck- big debts
Hi there My debt is getting bad and it seems to be getting a bit out of control. My current debts are: Nationwide -450 od 600 Natwest -1100 od 1350 Nationwide credit card -1950 cl 2100 So in total around £3500. My current income is £1300 per month My bills are as follows Housing 300 Gas/electricity 17.50 Water 9 Food 70…
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Chased for almost a Decade for £3,800 Debt I didn't owe!
I've read many inspiring stories on this sub-forum of people choosing to resolve their debt problems, and more inspiringly I've come across the unwavering support that other members offer to virtual strangers in their pursuits - so I've decided I wanted to share my problems, in a bid to help others. My problem concerns the…
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To tell or not to tell parents?
I am not really sure whether or not I need to speak to my parents about my debt. I know that I am 36, however we are close and I see them several times a week. They are not in a position to help financially so this wouldn't be my motivation for telling them, They did help us out a lot when we first got out house and also…
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Debt free but in Constant anxiety
Became debt free in January of this year after 4 years of paying off debts. After struggling for 4 years you'd think I'd feel a massive relief however I now feel the opposite. I still have a tight budget due to a change in circumstances however am better off than I was but I still feel constantly anxious about my budget…
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How does one make offer to creditors?
Hi all, I have a total outstanding debt figure of 4000 pounds. I have been able to raise a lump sum which I'll hopefully be able to use to make an offer to the creditors. The rough breakdown is: £2400 to Hoist Finance (old credit card) and £1600 to Cabot (old loan). A couple of years ago I ran into some financial…
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Wescot
Hi, I received a letter from wescot regarding an account review and availability of a settlement offer. I pay a set amount off the debt every month and after reading bits and pieces on this forum need advice wether to contact them or just keep paying as normal. I cannot pay any more than I am currently doing and have no…
