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Need help
I’m looking to clear my debts and then get some savings behind me. I’m going through a rough patch with my husband, so not really looking for his help in clearing my feet as wont be speaking to him about it as want the savings to be there just incase me and kids end up on our own and needing it. I’m just wonder how I go…
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On DMP but work want me to have a credit card
Hi I’m 4 years into a DMP, all going well but credit rating is trashed. I’m in a new job & Work don’t know any of this. They now want to put me on internet banking and get me a credit card for work use only! I’m petrified I will be refused. The logical me says it will be fine but the emotional me says the Bank will say no…
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Advice on situation and a letter from solicitors
i.imgur. com/8113HUv .jpg i.imgur. com/dWDACcW. jpg ^ Sry bypassing the spam filter but it's not spam/advertisng I owe 4k from a debt about a year old, and I received this letter from a solictor today, wanted to know how serious this is and whether a court summoning or CCJ is imminent? I haven't reached out to the debt…
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Just a quick question regarding dmp and the six year credit thrashing
Howdy! I took out a dmp Feb 2012. I made full and final and partial settlements last summer. I assumed and understand that my credit score etc is shot to pieces for 6 years . Fair enough . What I'm trying to find out , is if my credit is affected for six years from last summer till 2024 or from Feb 2012 and that the six…
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Arrowglobal/Capquest
I have been four years into a DMP, and into the final year (yay!) and had two payments going to Arrowglobal/NCO for two catalogue accounts that were paid off at the end of October last year. I have a letter from NCO confirming last payment for one, as the company does not exist anymore, and the other a catalouge statement…
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Lowell's CCJ 2015
Hi, I got a letter recently that I got a CCJ in 2015 and HBOS are thinking of enforcing the debt. It relates to a credit card from 2002. I've moved a lot so knew nothing. What's best to do?
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The lightbulb finally came on!
After far too long living in denial (I've had mental health problems, and now have a chronic health condition called Fibromyalgia) I am finally getting to grips with the sticky situation I'm in! The debt amount isn't too high, but the APR's definitely are and so it's a ridiculous situation that I need to get out of ASAP.…
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Idem servicing debt issue - complicated
Hello everyone, I've used the forums in the past but haven't been on for some time due to the stuff of life and also seemingly not having many issues with debt recently. However, things return to haunt us if not sorted properly so here's my situation. Sorry if it's long winded but i'm giving as much info as possible in the…
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CCJ Increase in Payment
Hi All I had a CCJ issued at year and the court had ordered me to pay £1 per month due to my current debt levels and current salary. The company dealing Restons have now said I need to increase my payment to £40 following a review of my circumstances Nothing has changed since I completed the original paperwork but they are…
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How do I deal with old debt if I don't know how to trace it?
I have just plucked up the courage to check my credit file from Experian, Noodle, and Equifax and was surprised to find a reasonably healthy credit score from all three. Very unexpected because between 2002 (aged 18) and 2006 I racked up rather a lot of debt which I was unable to manage at all at the time. These were from…
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Safeloan reclaim response
Afternoon all, So after doing some various reading around I decided to try and reclaim back my charges and interest on a loan from Safeloans. I sent the following: Good evening I am making a complaint to you about irresponsible lending. I had a loan from your group (Safe Loans) from 17th January 2012. You did not check…
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Help needed. Car finance dispute.
Hi, This is a pretty long story but I really need help. My husband took car finance in 2010 and paid it for more than half of the length of the loan, The loan was for £15,991.53 and at the time he defaulted in June 2012 (the last payment was some month before this so both the default and last payment were more than 6 years…
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Moriarty Law / Vivus / CCJ
Hello. This is my first post so thanks for reading. I will try and keep this simple: - Several thousands worth of debt incurred from a few years ago, paid most off through payments (not through DMP) and have settled many - currently have around £2000 remaining - One debt was for the above, with Vivus - who have now gone…
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Need to pay off credit cards - need motivation!
Hello I have been on here before many years ago and managed to pay off a large debt. Unfortunately I have some credit cards again and need motivation to pay them off as don't want to go there again. Annoyed with myself that I am : ( I have £1700 CC £300 CC £1250 CC I earn £945 a month and have the following outgoings: Food…
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How or whether to clear old debts?
Hi all, This is a bit long-winded so I’ll try to be brief. I have in excess of £30k debt with several lenders that I have been paying each £1pcm for over 8 years. I am currently studying at university and last year broke my back, which has dramatically reduced my income. When I qualify I am afraid that my ability to earn…
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41 days to debt freedom!
I’ve had a credit card balance hanging round my neck for about 18 years. In 41 days the last of it will be paid off. It seems unreal, just wanted to share. Thank you
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Moorcroft letters Mortgage shortfall
Hi all around 9 years ago I had a mortgage with the Halifax, me and my wife both got made redundant and we were both out of work for some time. long story short we could not cope fell behind and handed back the keys before repossession was about to start its proceedings. we left a £40k debt after the sale of the house. I…
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Newlyn Baliff
Yesterday i received a text out of the blue which said i had failed to make contact with Newlyn. An enforcement agent is due to attend to remove goods as per court order. Then i got another one saying a removal truck has been ordered to take goods within 24 hours. I have absolutely no idea what this is about as i haven't…
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JBW Baillifs
Hello We have had a terrible past few days with JBW baillifs who have been chasing my daughter for council tax debt. She is homeless and without a job now after a terrible breakup and we originally spoke to the council and put our address as a care of address. Today we had a knock at the door at 6:15am to say that we owe…
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Advice and exeperience on self managed DMP
Good evening! This is my 1st time posting and i welcome any advice and assistance you have.. I have been in contact with payplan re mine and my husbands debts and they have given us 3 options* Self managed debt management * IVA (seperate) * me DRO and husband iva Bankrupcy The lovely lady has advised that she would…
