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Employer Claiming the over paid redundancy
Hi, I am hoping for a little advice. Following my redundancy from my part time TTO role. I received a redundancy statement from my employer, which stated two elements statutory and local authority. Based on this, I decided not to appeal my redundancy and accept a lower paid job else ware, on the understanding that I could…
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Interest Charges on debts with a DMP
Hi I was wondering if anyone can help? I started a DMP with Payplan in 2004 for debts totalling £19.6k. I have paid them since then and was told my repayment plan would probably clear the debts in 2012. As of today the current balance still outstanding is £3347.51 even though to date I have paid £20.8k. I have been told by…
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Extenuating Circumstances
Hello, I have known of a person who has completed a Mental Health Evidence declaration form and submitted it to his creditors and had most of his debt written off. Fortunately I do not have such an issue. However I do have physical issues that are preventing me from working and the amount of debt I am in it is unlikely…
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Reply from Lowell
After some advice from this site i sent a Statue Barred letter to Lowell. They sent a letter a few weeks ago stating that they: Purchased the debt in Ocrober 2013 Sent me a letter confirming this on 12th November 2013 They then said the account was on hold until they had recieved a copy of the agreement and statements of…
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Debt sold advice please
Advice please? Had Credit card from Lloyds. Last spent anything on it June 2007. Got behind. They stopped charging me interest August 2010. Made agreement and paid fixed amount since 2009. Stopped paying them about Oct 2014. Lloyds sold account to Lowell late 2016. Court threatened "we intend to take legal action". My…
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Fine request from 2013
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Parking Fine form 2013 request.
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Iva
Hi. I am in the process of setting up an iva. Current situation is : application is on hold for 1 week while negotiating with a debitor. The company I am dealing with told me during initial discussions that when my car is paid off in October... I will be better off by £200 and they will renegotiate terms so I keep the…
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Joint Tenancy (J&S liability question)
I hope someone might be able to offer some advice on this. The situation: Student house of 5 - all signed up to the joint tenancy agreement - one student has left course and is not able to pay their rent. Landlord has rejected that student's offer to pay down the debt in instalments of £25 per week. It seems pretty…
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DMP - paying creditors early
Hi All, We are currently in the middle of a DMP, but we are starting to get letters through from creditors offering us to pay half and the account will be settled. However as I understand it, our records will show that the debt was settled, but partially paid. Seems too good to be true, if we are fortunate enough to be in…
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SOA/ budget
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... 8 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 0 Partners monthly income after tax....... 0…
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Howard Cohen court papers
This morning I received court claim papers from Howard Cohen for an old abbey national overdraft to the value of £1500. I honestly can't even remember when this was from,I can't see it on my credit file I don't think either,unless I'm looking in the wrong place . What do I do from here? Would really appreciate any advice…
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Credit rating up with Clearscore but down with Experian
Heya, wasn't sure if this is the right section for this post but wasn't sure where else it'd fit. As the title says, my credit score has gone up with Clearscore but down with Experian. Has anyone come across this before? To add a bit of context, between being a student and hopping between temp jobs and unemployment, I was…
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Received two identical settlement figures despite having made a payment.
Good morning all, I'm trying to pay off my extortionate career development loan from the Co-Op. I requested a settlement figure two weeks ago which came to £9333. Since then I have made a scheduled payment of £208 and requested a new settlement figure, which came to the same amount. I haven't asked Co-Op for an explanation…
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Debt collector doesn't allow me to setting debt
I would really appreciate any advice. Back in 2012 I got myself in a lot of debt after my business didn't work out. In early 2013 I started paying off my debt through a debt management company. By then, two lenders defaulted my accounts. Fast forward to 2017, I'm now in position to settle my debts. I've managed to get in…
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Dro and fluctuations in pay
Hi all. Just in the process of completing my dro paperwork. Looking at my income it fluctuats week by week dependent on hours worked. I don't have set hours as I'm a truck driver. I have basic hours which matches my stated income of 400 pounds per week. But if I send them the last 2 months of bank statements it doesn't…
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Help Please
Hi All, Wondering if I could have some advice please on my debt and what the next steps I should take. Just under 5 years ago I defaulted on my Very, Littlewoods and Additions Direct (Credit all under Shop Direct Group). Back then I was only on £600 a month approx when I got these catalogues (I was young) and went daft as…
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In need of a fresh start
I have been very silly with money over the past 3 years and I have racked up £11,000+ in debt. :( I have kept things from my OH which has killed me inside. I have been battling depression which has mostly been caused by this debt. I am wanting to get my life sorted. I have been on the Step to Change website and started my…
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second hand selling - suggestions?
HiYa, I've got some quite rare bitsNbobs for classic motorcycles but I really don't want to put them on eBay - does anyone have any suggestions for a good place to advertise them for sale? I've looked everywhere to try to find a suitable specialist website but can't find anything - does anyone know of a website dedicated…
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Settlement confusion
I sent a letter to Wescot to offer f&f settlement on a debt they are managing on behalf of HBOS. They wrote back saying yes, and agreed to mark as partially satisfied, not to pursue the remaining balance and not to pass it on for anyone else to pursue. All fine - I paid up, debt settled. A day later I then received…
