-
Merry Christmas
Well, its that time of year again, hasn't this year flown by ? On behalf of all the board guides and MSE, i`d just like to wish you all a very Merry Christmas..........:xmassign: and a healthy and happy new year.........:xmastree: Hope you all have a great time !!!!
-
Notice of issue of warrant of control
Hi. I just received a letter (days before Christmas) completely out of the blue and I don't know what it means or what to do about it. It's a Notice of issue of warrant of control. The creditor is Lowell Portfolio 1 Ltd. I am the debtor according to them. The letter says that "you have not made payment under the judgement…
-
CCA before ful & final settlements
Good morning, as advised I have written to my creditors asking for CCA's prior to offering full & final settlements. Cabot Financial have responded by saying that I requested this information in 2013 and have just sent a copy of the letter they sent me then and they say they can enforce the debt. Am I to accept this and…
-
Very old CCJ -challenging amount now oustanding
Hi Many years of living in debt and I’m nearly there - hate to say but I have had my head in the sand for years and still try to ignore it. anyway, very very old debt from the late 90s, that had a CCJ, is still lurking -i’ve been paying £50 a month forever and just resigned myself to the fact that it literally would go on…
-
Reduce CC Limit or not?
Hi all, I'm in the process of paying off my Credit card debts, I have been paying money to the cards and reducing the limit by a few hundred each month. I have been doing this to obviously not spend it but is this the right thing to do as I see on the credit club that your score is based on your available credit so if i…
-
Hmcts
Hi I'm it sure if this is in the right place but hoping someone can help... My mam received the following text message on her mobile: Forwarded from EX0151360: Polite reminder - Your instalment is now due. Please contact the National Payment Line to pay on 0300 7909901 quoting your account number and the division code 010…
-
Debt and a mortgage
Hi guys, So a bit of background; I've never been good with money and a few years ago I went into an IVA, settled it up and moved on, repaired my credit profile, happy days. At the time I was in a relatively low paid job on £19k PA, but a few years later I got a new job on £30k. Having all this extra disposable income, a…
-
Talk talk MoriatyLaw
Good Afternoon, I have received a letter from Moriarty law stating I owe talk talk a sum of £225.50. And that if I don't pay or respond to their letter in 30 days they will be in a position to start county court proceedings. I did have a talk talk account back in 2011 and there were issues when I did a 'home move' where…
-
How to settle dmp
I have remortgaged and released some funds to repay some debt. I have contacted step change and they were going to contact my creditors to get settlement figures. However, since then, one of the creditors has written to me offering a reduced settlement figure.. 30% less. It’s the biggest creditor so quite a chunk. So, do I…
-
Best way to clear this debt?
Hi All. Just looking for some advice on clearing some debt (best way to do it). I have 2 debts at the moment as per below: £2000 overdraft with Lloyds Bank £2900 on Lloyds Mastercard credit card. Since the change to Lloyd's overdraft charges I am paying significantly more than I used to. I havent worked it out exactly but…
-
Angry, upset, debt
My husband has credit card debt of around £16000 which I had no idea of the amount owed. I’ve been asking him for ages how much he owes. Well last night I lost it and demanded he tell me how much, rates, names of cards. What concerns me is he didn’t actually know of the top of his head so this is a guess. We have been in…
-
I need help
I'm a single woman living on my own running out of options I currently rent a council flat have a car, mobile and pay for monthly Internet and contact lenses, I'm not earning a great deal around £1100 a month and I'm basically ending up with nothing each month . I'm trying to pay off a 7k debt that's built up over the last…
-
IVA or Bankruptcy or Family Loan
Hello! Long time lurker, first time poster. :hello: I have got myself in a bit of a muddle with money.* Owe 34k, rising to 40k if repayments continue on schedule. * Income 1000/month. Expenses 800-850/month. Surplus 150-200/month. * No property, no vehicle. Creditors by value:* 37% my bank x3 (overdraft, card, loan) * 46%…
-
Can They Take My money
Hi all, sorry if this sounds a bit like I am stupid but until a few months ago my husband looked after all the finance's. He has been diagnosed with Vascular Dementia and I have now taken control. I have a power of attorney. I have recently received an email via my husbands email account, which I now monitor, from a…
-
In need of some monetary breathing space!
Hi everyone, After racking my 'brains' for a few weeks I'm still none the wiser on what to do with my problem. I have finally flown the nest and rent my own apartment (Wow there are so many bills to pay) and now find myself barely scraping through each month. Some of you will say, you are getting by so continue as you are,…
-
£250 debt became £2700 owed!
Hello, I am in a terrible situation. Pre-2004 I took out a Monument credit card with a £250 credit limit. I used and maintained the repayments. One day a purchase went through and it took me around £5 over my limit. Charges were applied and as I paid via DD I didn't realise. I was paying the monthly repayments often…
-
Should I pay off my loan early?
Hi all, I've started looking forward to next year in terms of debt repayments, and I know I want to pay off my outstanding balances with DCAs first. My question is; Is it beneficial to pay off my personal loan early? I have a terrible credit record at the minute, but hoping some of my negative markers will be removed.…
-
The A to Z of Surviving Christmas and New Year Without Getting into Debt
Great article post by this Scottish debt company. Surprised they got all the alphabet in there: http://www.scotlanddebt.co.uk/articles/consumer-spending/surviving-christmas-new-year-without-getting-debt
-
Letter received about debt I don't have.
Hello, first time poster. I received a letter from Money Junction Limited informing me that i owe a debt to a company by the name of 'Merligen Investments Limited'. The debt is £51.25. I have no debt and this is the first letter received from Money Junction and there is a number i can call (0203 126 4544). Do I just ignore…
-
In a bit of a pickle (self employed)
I've really run myself into problems over the last few years; and it's all finally hit. Currently, my personal income has dropped significantly. I've been unable to pay my minimum payments on my debts, and have set up a Token Payment Plan whilst I hopefully manage to sort myself out. This will be reviewed in April. My real…
