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Please help! Lowell (Eon/TalkTalk) // HB overpayment // Suicidal
Good Afternoon everybody, apologies upfront for the essay but I am really in the !!!! and would love some help/advice. I am in a pickle and fighting suicidal thoughts (I have BPD so this is normal but this latest chapter is sending me over the top). I am a single dad on minimum wage and really in despair. Since being…
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bailiff reforms
Jeremy vine has just been discussing bailiff reforms on radio 2. Now you would think the people they have on to discuss these issues would at least know what they are talking about, but not today. The lady from CAB did not even know under what circumstances a bailiff can force entry to private property, and did not make it…
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My SOA
Hello everyone, I am pure sick posting this. I have never once missed a payment in my life and I feel now that life is over. Here goes - any help or advice would be greatly appreciated as I am a shell of a person at the moment. I feel I have let everyone down and don't know what to do. I am in my 40's and still live with…
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DMP - Best company?
Hello everyone, I will need to embark on a DMP very soon. I am currently in the process of itemising all my debts. I am just wondering if anyone can advise the best company or organisation to use in their opinion? I was considering going with Stepchange. Many thanks in advance Need_Help_Now
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How much do you save for car repairs?
I want to start saving money each month into a separate account that will just be for car stuff. I mean for things like MOT, tyres, any repairs (not tax and insurance as the tax I do monthly direct debit and I save separately for the insurance) Was thinking £50 a month? This would be for 2 cars
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Help with paying off some CC debt please
Help please I have come into a bit of money £1834 I have the following CC debts Barclaycard £11,308 18% Aqua £1045 0% for 6 months Tesco £1979 18% Paypal £4648 0% on part until Feb then 17% on other bits MBNA £6448 0% until May 19 then 18% Virgin £1900 18% Which should I pay into? Nat
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Lowell bought my 118 defaulted debt
Hi there, Yesterday I received a letter from Lowell & 118 (together in one envelope) that Lowell are now the new owners of a 12 month unsecured loan I stopped paying in November 2015. During this period I also defaulted on 4 loans with 4 different payday companies however by now I have taken care of all but this one. I…
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Paypal credit
Does anyone know if Paypal report late payments to the credit reference agencies? Paid my balance 3 days late!! I have been so preoccupied helping my brother that I have neglected my own affairs!
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Creditor contacting StepChange?
Just a quick queation please Can a creditor legally contact Stepchange directly for details of the DMP in place ? Thanks
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Just discovered I got a CCJ last June!
Hi all. A bit of a weird story. My family took out a loan a couple of years ago. We couldn't afford to keep up the repayments and threatened CCJs (I do remember the paperwork). However, my father was the guarantor and spoke with them on the phone and said that he would take the court action and pay the debt in full. They…
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IVA and PPI
Hi. I had an IVA which was completed in June 2016. During the IVA I was asked to sign an agreement that the debt management company could check for any PPI, which I did. I was made fully aware that if PPI was found it would be used as additional funding into my IVA. I have no problem with that. They wrote to me some time…
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Admitting to the debt problems
Hello Everyone, Looking for some debt advice please. I have buried my head in the sand for far too long !! Currently on Maternity Leave so my situation has got even worse. I will be back at work soon on a full salary but half of that will get eaten up with childcare (cheapest option of a childminder). Do i carry on making…
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at a loss
Good Morning all I am at a loss with my debt and need some advise. I have today looked at my credit score which is really bad, i needed to do this for security clearance. I have just seen that there is a CCJ recorded on there for nearly £5000 which i have not even been informed of. I also have a debts outstanding with…
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What small DFW things will you do w/c 20th August?
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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dont know where to turn next
Help required, here is my SOA Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 1 Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 2799 Partners monthly income…
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Doubling the debt
Good evening, I am hoping to get some advice on my situation. I am a 51 year old guy, divorced 8 years ago with 2 grown up kids. For the last 3 years I have been in a relationship with a lady, similar age to me, divorced with kids etc. We met at work and our relationship has gone from strength to strength. Following my…
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student loans - default after 10 years?!
Hi All Sorry title should say 20 years!! I made this thread 3 and a bit years ago: forums.moneysaving expert.com/showthread.php?p=68416764 (sorry not allowed to post links) I didn't reply to the letter and have heard nothing since. Just looking at clearing up my credit file and to my horror found the following on my noddle…
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Bailiff questions and clarification
Hi guys, I'm new here so I'm sorry if this is the wrong section to ask this stuff. Safe to say I've had a hectic and hellish week that is starting to improve, but I have some questions on some stuff I'm confused on that'll help clarify things for me and help lift some nerves. I've tried searching online but I think my…
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my mother found out about my debts!
Hi I used this forum last year at the start of my debt repayment plan. we owed 65K at the start. Over the last year and a bit we have cleared over 20K of debt. We feel that we have done well, and despite a slight blip, we have managed to stay on track. Our current debts stand at around 43K, so still a way to go. My mother…
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DLC/Cabot CCA request
DLC/Cabot CCA request response. Today, 09:03:AM Hi everyone, i need some advice if possible. I sent a CCA request to DLC for a debt to Black Horse Finance on the 7/7/18. I have just recieved a response from Cabot stating that they do not need to supply the cca as the account was issued with a CCJ in March 2010. I do not…
