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Is this a simple email scam or something more serious?
I have received a email today from 'Walker Love' (looking it up it seems to be debt collectors?) in this email it states about a direct debit of £150 being set-up with a bank account (doesn't match any of my bank details I've got) Never heard of this company before and 100% don't owe any money to anyone, not sure what to…
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f&f offered but they want 3 months bank statements
Hi guys, I have a sent a DCA a full and final offer for a debt that i have had in default for 7 years (its not on my credit report anymore - I just wanted to have it satisfied) however they have said that before they decide to take it I have to send in 3 months bank statements for a 'decision maker' to look at. The full…
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What small DFW things will you do w/c 10th September?
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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Is it getting worse?
I love this forum. I have been posting on here for 10 months and was a long time lurker before that. Over recent months I have seen so many posts from people totally desperate with high debt levels, pretty much like I was last year. I have also learnt of several people that I know in real life who are dealing with the most…
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Where to start?!
This is a difficult post, because nobody knows how bad my financial situation is but I figure that the best way to start to deal with things is to accept that I need help. So, I'm currently not working (well, I'm signed up with a temp agency which means I do random occasional minimum wage work when they can be bothered to…
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Sadly too late for me
Please read this post not as a cry for help - it isn’t - but a warning for people getting into debt. I owe just over £12,000 in credit card debts. Please do not judge me. When my parents passed away I became depressed, and still am. When I get depressed I spend money, money I don’t have on credit cards and for a few hours…
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How debt-adverse are you?
How debt-adverse are you? Do you think that debt is perfectly normal or do you try to avoid it at all costs? Or are there certain circumstances where you think debt is OK, and others where you think it’s risky? Has your thoughts towards debt changed as a result of your debt free journey/experiences of debt? I’ve noticed…
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I can’t get control
This is a hard thing for me to say because I haven’t admitted to anyone, not a single person, how much debt I’m actually in. (Deep breath) I have £70k of unsecured debt in combination of credit cards and personal loans. I pay about £1100 a month on paying them back, I overpay on all but every month I seem to be adding to…
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updates on my situation
So as you maybe aware of my situition and how I've been communicating with the debt collectors and other creditors Lowell has written off my £4285 debt and this matter is now closed Hopefully it should fall off my credit report and get a debt relief order Here is the email Good afternoon, Thank you for your email. Lowell…
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Do I need to include wifes income in HMRC income and expenditure
Hi, HMRC said that I may need to do an income and expenditure form as I cannot pay the £1800 that I owe within the time frame that they want. The debt is due to the high income child benefit tax. I am the one earns above the threshold and the debt is related to my tax code. On the income and expenditure form , will I have…
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Budget Apps
Any recommendations for budget apps? I am just trying to get to grips with starting a budget and would like something that will import my bank transactions and then help me categorise my spending. I have just done it all manually on a spreadsheet but don't want to have to do such a long winded task every month. I realised…
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help please
Can anyone help? Letter of Notice of Transfer of Proceedings didn't even have address to contact or send forms to, just name of County Court. Want to send back N56, but now not sure of best or quickest way to do that, or even which address? Should it still be sent to original CCMCC in Salford, or to the County Court it's…
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Excess bank loan
Hi what’s the best way to clear my bank loan I’ve still got 8 years left, please help
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Cabot Financial - what, when, how, why!??!?!?
Morning, I hope you are well whilst reading this and I appreciate anything you can suggest for this predicament I am in. Since approx. Jan 18, Cabot have sent a few letters demanding payment for a 4-digit debt! I have no recollection of this debt, but they have sent me statements from 2009 - 2017 where I have been paying…
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SalaryFinance
Good evening all, I was hoping someone could lend some advise/info Ive searched the relevant site I have salary finance with and there is nothing on there about missing payments ,DMP ETC So I have a £5k loan which is inst to far into the agreement. I'm starting the process of DMP with stepchange at moment I have debts of…
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Rossedales and enforcement fees that raise for no reason
Hi, I wonder if someone can help on this matter. October 2017 - I received a Capital contributionicon Order (CCO) for £52968.06 to repay to Legal Aid Agency (LAA) following a legal proceeding. In this case Rossendales claimed £362.50 as enforcement costs and other fees for a Charging Order thay they put on my property.…
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Help Needed please with Mortimer Clarke
Hi, I really hope someone with some knowledge can help me with a letter I received from Mortimer Clarke? About 2 weeks ago I received a letter from the above about a really old debt, it was asking me to sign a Tomlin Order, the letter said that a claim form had been issued against me at my previous address in September…
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Default Notice. What does it mean?
Hi all This is my first time posting on here. My father is not in the UK and has moved abroad but may return to the UK in the future. He has his letters sent to my address and I am authorised to open them. I have received a letter today from a company saying that he has been issued with a default notice and that he has to…
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Vodafone and Zinc
Hello, In December last year I cancelled my Vodafone contract over the phone due to an im.going dispute we had over the fact they mis sold me items and I was paying around £80 per month for multiple lines that I had never agreed to, after several months we ended with a deadlock letter. So in December when I cancelled they…
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How do I pay 'payday uk' debt?
Hi, I was checking my credit file to pay off outstanding debt, and I came across this (won't allow me to attach pic) but basically it states: "Instant cash loads payday T/A payday uk, status default £25" as far as I know I paid this loan years ago and the company has since gone bust..any idea how I can get this paid /…
