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Application to set aside judgement
Question moved to another site.
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Advice which route to take.
I’m getting help with a few debts. We have done my income and expenses so now we are ready to offer payments however they are small and it will take forever to pay them off. It was suggested I do a DRO. I’m not sure yet. I can manage small payments but how does this affect me in the long run ie my credit file could I get a…
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Link Financial Outsourcing dispute
[FONT="]I have a credit card debt on which I have been making repayments to Link Financial Outsourcing for a number of years now. The debt is now 14 years old, and the CAB helped me to sort out the repayments, and stop the interest, way back in 2004.[/FONT] [FONT="]Back in February of this year I wrote to ask for a…
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29K debt advice please
Hi, I'm looking for some advice with my debt please. My situation is potentially changeable so I haven't done a full SOA. I have £29K unsecured debt, across credit cards, overdraft and store accounts. My take home pay is £1500. My repayments on the debt are £850 per month and one of the creditors has just increased the…
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Lowell chasing for money
Hi all. I owed talk talk a payment of £202 which I failed to pay as I had moved. This was then sold to Lowell. After ignoring a few letters I got a letter offering me a discount (which I’ve now thrown away 😡😡) I accepted the £60 discount and paid Lowell the outstanding amount. I received another letter today thanking me…
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Happy Birthday - Have a 'taste of some debt'!
My Mrs saw this birthday card on our local high street in a fairly well established greeting card shop (I'll mention no names). She has, in my opinion, fairly bad taste, so bought it and wrote it for a nephew. Frankly, I think its a pretty awful card and it seems really odd to link the celebration of someones birthday with…
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Keep getting in debt
So we’ve had money problems for years, got into a huge amount of debt last year, but after an inheritance windfall we cleared it and used the rest for a house deposit. So debt free for about 8 months and it was great. Bought our house end of July and we’ve had unexpected costs like our fridge/freezer packing up. That and…
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Advice required for cooporating with HMRC field force debt
Hello all. Long story short: In the last three weeks I have had a letter from HMRC reminding me of an unpaid debt for £8k. I knew this was coming and have been saving with the intention of paying as much as I could. I then had a phone call and made payments of £6.5k to whom I believed to be HMRC officers. WRONG! I was a…
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Help needed
Hello, first timer here and looking for some advice. I have recently been contacted by several debt collectors for debts owed in 2007. I have moved around a lot since this time I stopped paying and also went through a repossession in this year. One of the debts is for the mortgage shortfall of £48000 The rest are credit…
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CCJ help
Hi there, A CCJ verdict was awarded against me last week because for some reason the court didn't receive the paperwork, even though I returned it. It was awarded against me and the letter says that the amount is due "henceforth". The person said that if I don't pay today they will issue the CCJ, but I am not going to be…
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Final settlement PRA
Hi, I’ve just sent my letter off to PRA with an offer of a final settlement to be paid in dec when we are gifted £1000 from a relative to help towards our debt. The total debt with them would be £2500 at that stage so it’s a good chunk (currently paying £106 a month to them from a total of £456 a month in total to all…
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Croydon Council have sent someone to my house. Council Tax error!
Croydon Council are massively infuriating. I moved out of a property and paid my last payment. The next month they sent me a bill claiming: 1. I owe them backdated council tax from 2015-2016 2. I owe council tax for the month after i moved out in March 2017 The amount was in an August 2017 bill £309. They also failed to…
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Please use edit instead of delete
Hi, Just a note to all forum users, if, for whatever reason, you make an error in a post, there is no need to delete it, there is an edit button, so you can go back and edit your post at any time. Its more a problem for us board guides as we can still see the posts you have deleted, and they tend to clutter the threads up…
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Discounts / Voucher Codes
Hi Not sure if this is in the right place. Does anyone put the money to one side they save from discount codes? I have lots of money off cards, discount cards, NHS discount cards etc which I use but never do anything with the money I save, (apart from squander). Does anyone use that money and put it away, say for Xmas?…
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Going wrong?
I don't feel like I'm struggling but I am working on paying everything off over the next year or so (bar mortgage and car). I've never missed a payment and this is as accurate as I can get it. I'm slowly working my through the boiler, it was a ten-year loan that I have reduced to less than 2 years. I don't feel that I'm…
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CCI Troubles - Please Help!
Dear MSE, First of all massive thanks to all the people supporting individuals here, so refreshing that people are willing to help where they can. After reading so much i am still confused and need a few points clarifying on what my next steps should be. I received a letter from CCI Credit Management few weeks ago with the…
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Thoughts on PCP
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Received strange DEBT collecting letter with Natwest logo and stating WESTCOT CREDIT SERVICES
Guys, my parents, both of them have received 2 individual letters this morning from a paper with the heading of Natwest logo. It's asking in 1 letter for 11K And in another letter for 3.5K Under their individual names. It says they have been trying to contact us (which they have not) and now the account details have been…
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Advice please
Last month I had £150 taken out of my bank via Paypal without my permission. Paypal says it was an agreed subscription with Morrisons supermarket although I never agreed to such a thing they somehow managed to take it as I had given them my email address when I signed on the Shoping site??? Anyway sorry if this is going to…
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Does a Default lead to a CCJ help!
Hi, I am about to default on 4 credit cards, 2 with Barclaycard and 2 with MBNA. Barclaycard total £14000, and MBNA £12000. Basically due to changing circumstances a few years ago, going part time and having twins, along with anxiety and mental health issues i can no longer afford the payments and have more going out than…
