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Lowell Financial LTD, please help
Hello everyone, today my OH received a letter from Lowell Financial, syaing nothing more that he's their client now and askng him to contact them regarding personal matter. There is reference number but nothing else. Whta should we do? Ive alredy checked his credit score, there is nothing there. He has a loan on his name…
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Advantis Help!
Hi All. I have been paying off a debt from Advantis (from Thames Water) for about a year. I was down to £50 but now they have slapped another £95 on top because "their client has made an adjustment" apparently! Can they just add a sum on top of a debt when I've been paying it off? When I queried it they told me to write to…
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Pay off existing debts advice
In the past I would contact the lender and let's say I had a debt of 700 I would call and ask if the amount could be reduced to pay it off fully and they done that. Now I called asked them same question and am being told they can but will show on credit file as partially paid and will stay on file for 6 years is this true…
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Order to attend court for questioning
HI, Hoping you could help. We have an order to attend court for questioning. This relates due to a dispute with our old landlord for £10k, relating to arrears (about 1.5k of this total amount), and the rest for damage/repairs. Our old landlord has a legal degree and we are sure he has been scare mongering for the last year…
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Do I have a claim...
I was given a CCJ in 2014. I never thought it was deserved the whole thing was awful. At the beginning of this month...finally... the company agree it was a mistake that they sought legal action against me and they have applied to have the CCJ removed. I have this all in writing and they will refund any payments I made.…
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Are you paying more because you can’t pay upfront?
The term 'poverty premium' is used to estimate how much more low-income households pay than higher income households for the same goods and services. It can mean that a typical low-income family can pay up to £1,700 per year more for the same essential goods and services as a similar higher income family. This is the…
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Advice for an Idiot!
Hello, I am writing to try and get some further advice. My situation now has become quite desperate and i feel i am running out of any viable options. I will try my best to keep this short. Background: Me & my partner bought our house in 2013 with the assistance of Help to Buy. It cost 245k, we put down a 12k deposit, the…
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Mr Lender
I was taking out loan after loan with Mr Lender and have one outstanding with them. I put in a complaint and they didn't accept liability but said they would write off the interest of this current loan. I felt pressured into agreeing and setting up a payment plan because they wanted money. Am I too late to take it to the…
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Onesys Financial Limited
Hi, I had a payday loan with Onesys Financial Ltd (get a payday loan fast). They got a CCJ against me and then went into liquidation so the liquidators and now receiving £10 a month from me. The loan was for £260 including interest which I have paid more than this amount now but the balance they said I owed was for more…
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Debt Free at Last
Over 8 years ok I was in a horrid controlling relationship by where I was the sole breadwinner and owed money everywhere, owing over £40,000, I went into a debt management plan with Payplan and offered all my creditors amounts that I could afford. It was really hard to begin with as creditors where very nasty and…
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council tax bailiffs
I share a home with my partner and I don't work. The flat is in my name but he pays all rent and bills ect and he works as an engineer. He works and provides everything for me. I don't claim any benefits. I have some personal problems which is why I am out of work. I think I may have PTSD due to some events that happened…
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Savings - where to start?
I hope this is the right board - I just got a message pop up saying "are you sure you want to post in the Grabbit board", which I thought was a bit strange? I'd like some feedback from people, if possible, about savings, generally. How to start, where to start and does everybody here have savings? At what stage do you…
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Letter of claim
Hi, I have received a "letter of claim" from a credit card from 2015! ( I would have been at my old address then). I cannot remember getting out any credit card. I kept getting letters in the post but dismissed them thinking they have mixed someone up who used to live here before. Now this letter of claim comes but it's…
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DAS scheme scotland help
I have been in touch and working with stepchange. They have advised me to do the DAS scheme in Scotland. I have 42k of unsecured debts on credit cards that i cant pay as now seperated. The figure quoted from my ecpenses is £209 per month for 16 years. Is that likely to be accepted on the DAS scheme? Also what do i send to…
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Debating Bankrupcy or IVA
Hi there, I was pointed in this direction via the Bankrupcy and Living with it forum. Post as per below: I've come to admit that my amount of debt is a problem and will very soon approach the point that I cannot keep up with repayments on things. I'm on a good wage (£50k per year) but things have just spiralled out of…
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Trying to pay off debt but ex takes £3k from me
Hello everyone, I am new to this forum. i have been a lurker for many years but never needed to post due to already so many helpful threads out there. i dont know whether this is the right place to post but i am at a dead end. long story short, divorced in July 2017, done a consent order and paid my ex £40k in return he…
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The time has come...!
The time has actually come for me to pay off my mortgage. My question is, and it's silly, I know but as I haven't done it before: do I just ring my mortgage company to get an up to the minute redemption figure, then can I just set up a payment myself with online banking, or should I actually go into a branch and have them…
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Advice Needed
I am not sure if I have posted in the best section, In 2006 I purchased a mortgaged property with my now Ex-wife and her Father acting as guarantor. In late 2009, we parted ways, and it was agreed through Solicitor’s for me to vacate the property and be removed from the mortgage. No monies would be paid to me, and this was…
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My Hubby hid his debt from me for 18 months!
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help neede
Hi there, I was wondering if some one could give me some advice, if i am in the wrong place apologies. I have had to leave the UK due to a family tragedy abroad, it has taken longer to sort and finalise (7 months) and as it is now finalised we are moving back to the UK. As you can guess, financial matters were not high on…
