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Any tips/pointers on my SOA welcome!!...
Removed my SOA on this account. Closing account now.
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Missed Deadline on CCJ Claim??!
I have received a CCJ claim form today (15/09/2017) this had been posted out to my previous address at which a relative now lives and they only dropped it off today. The issue date on the claim for is 23rd August 2017, so I thought I may have missed the deadline of 14days (plus 5 days)...Does this time exclude or include…
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When should a default be added to a credit record
The loan for £100 taken out by me on 14/03/2013 and which remains unpaid. The balance presently stands at £218.00. The loan was made by TxtLoan Limited and that company transferred the debt to MYJAR Limited on 28/02/2015. My account is still not in default. That makes sense for me to put complain why this account is not…
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Debt Collection Process
Quick Background( :Scots Law) - Hired a company to produce a "<something>". No T &C nor contract signed. - Paid £600 out of £900 ( and have an email stating outstanding balance £300). Paid via Bank transfer( so audited). - Company later resigned before finishing ( have letter stating that) - I have never been invoiced for…
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Unenforceable debt - no default so what happens
Hi, I have an IDEM Servicing account for an old MBNA credit card. They have written to advise the debt is currently unenforceable as they dont have the CCA. What happens now? There is no default on the account but there is 10,000 of arrears on a balance of 10100. (They didnt issue default due to extenuating circumstances…
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Help! Drowning!
Evening, I've never posted before but have been reading the posts from people all seeking advice and guidance and I'm hoping that you can help guide me in the right direction. So we purchased our own home 2 years ago and since then our debts have spiralled. We've always lived in army accommodation so paying low rent and…
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Help with court payment
Hi not sure if I'm on the right forum but here goes. My husband had a debt with Mnba who passed it to Arrow Global who in turn asked Reston Solictors to act on they behalf. We received a letter from the court and as my husband was self employed at the time and was on a low wage the judge agreeed for us to pay £1 per month…
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SOA, for savings rather than debt shifting
Hi, I was advised to post a SOA here but it's not so much debt shifting I need help with, it's more to see if my savings goals are realistic, and for future planning. But I know this part of the forum is where a lot of people good at looking over SOAs hang out. After some ill health, we are trying to build up our savings.…
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CapQuest - Chasing Statute Barred Debt
Hi All, I wondered if someone would be kind enough to give me some advice. CapQuest have recently raised their ugly heads to begin rechasing a statute barred debt. I have never entered into any communication with them and the default is from 2009. Since that point, I have never acknoledged the debt or made any payment…
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Need advice with owed Council Tax
Hi I've joined the forum hoping I can get some advice on behalf of my daughter. A little background info which I'm hoping is relevant......... Over the last several years she has been in a very abusive relationship with her now ex partner, both physical and emotional. There is police and social services involvement…
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County Court Business Centre on ClearScore report
I was just checking my latest report on ClearScore, and there's a new entry from CCBC on there, from a previous address that I haven't lived at for almost two years. The only information I have is a reference number, I don't have a clue what it's for and they're not answering the phone. Having a massive panic here. I had a…
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Challenging a debt that I didn't know about
Hi, I was hoping someone could help as I'm considering challenging a debt I have unaware of. This year I received an attachment of earnings order for £6400 that I challenged and has been under investigation until now as I made a complaint stating I don't know anything about it. The end of the investigation concluded that I…
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IVA and HRMC child benefit overpayment any advice please?
Hi I am starting the process of an IVA. I have an overpayment of child benefit which I am paying back through my tax code. I am a PAYE worker but do a tax return for salary sacrifice car scheme and also child benefit. However as I need to submit a tax return each year I haven't completed the tax return for 16/17 and I will…
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DCA letter after PPI request
Hi all. I recently used a HSBC web form to apply for account details for a loan I had in 2001 for a PPI claim. I lost my job 2 years later, defaulted and it was passed to a DCA whom I ceased paying in 2005. I had a letter from arrow global in March 2012 who got a statue barred response letter and I had no letter back. Just…
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best course of action
Hi, Currently I am living off of government benefit because of my disability to work due to my medical condition. Currently I am recovering, and benefits is helping me to meet my day to day need. Before my surgery I had some loan (under 20,000) and based on bank suggestion I got enrolled in to token plan with step change.…
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IVA Help
Hi guys I'm just after a bit of advice. My wife started an IVA in May 2012 with payplan, the original proposal was for 5 years and paying £9982 this was modified to paying £13,900 over 6 years due to her car finance ending during the IVA so she would be able to pay more back once this had ended. Since the start of the IVA…
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PRA Group
Hi, I received a letter from this company saying I owed them £2177.00 dated 2003, I've never heard of them and do not want to pay. I've read on here about statute barred, which sounds like something I should do, I found this letter to send it. My question is, should I contact them to ask what this is for, and when was the…
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Debt and anxiety & depression
Long story short......i've suffered with anxiety and depression since i was 6 and from the age of 18 i racked up debts and spent way too much when i was having very low periods. all of my debts were paid off in may but i now have 3k on my credit cards due to depressive periods and i just don't know how to get myself out of…
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CCJ issued in 2014 - could have previously been statute barred. HELP please!
Hi Please bear with me with dates and details please. As this is to do with a 10 year old debt I cannot remember everything. FYI I am based in England. I took out a personal loan with the Halifax on the 22/03/2007. As far as I can remember I paid probably 6-12 months worth of payments before defaulting due to hardship at…
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Need help with partners debts ... !
Hi guys, So I hate to do this and it makes me feel like I'm awful but I want to help my boyfriend and things haven't gone too smoothly so far. He has around 12,000 in debt with various creditors, he works around 40 hours a week and the outgoing is still around £200 more than the income. I'm a full time student and I work…
