-
Must pay 1008 in 5 days after being in Australia and missing all correspondence
Hi There, I’m looking for some advice about my current situation, I will try to keep it as brief as I can but it is a long story, and I am aware the fault is my own, I would just appreciate some advice on where to go from here. For the last 2.5 years I have been on a working holiday in Australia with my girlfriend. When I…
-
Releasing equity to pay debt
Hi, I have abt 20% equity on my mortgage and looking for advice- should I release this £ to pay off credit cards( I have 4) as my interest free period is coming up and I don’t seek to be able to get one for the same value? Thanks M x
-
DMP -have I done the right thing?
Hi, I’m new here. I’m sure you have seen hundreds of posts before about DMPs however I want to get things off my chest with experienced people, so apologies for being repetitive. In layman’s terms, aged 18 I made stupid financial decisions (overdraft, credit cards etc) that I maxed out. However I managed to manage them…
-
Proof of Payment of CCJ
In 2015 I got a CCJ unbeknownst to me as all the correspondence went to an address I’d moved out of in 2013. In 2015 my ex rang me to tell me that bailiffs had visited to collect the debt. I never saw any written correspondence and was never actually told who I owed the debt to - I dealt with the bailiffs over the phone…
-
Out the back by the bins...
Give me some smooches on the lips The please I beg take me out the back of KFC by the wheelie bins and humiliate me by making me eat old thrown away chicken bones Then my perfect day will finally have arrived x
-
Advice needed...good budget apps?
Hi everyone, Can anyone suggest a good mobile App to download as like a budget planner? Just something I can use everyday to keep an eye on my spending and plan my monthly budget. Thanks,
-
Energy suppliers changing mind
Hi there, I moved out of my old flat two months ago, at the time my energy supplier closed my account and told me I did not owe anything. They have recently got in touch to say I owe £350+ (I assume someone else has moved in and supplied a meter reading which has skewed the energy consumed - I didn't supply a final energy…
-
Debt consolidation?
Hi all. We have built up a debt of about 40k following a big house renovation. All of our buy now pay later deals are, or are almost, up which means it’s payback time. We can just about cover all the monthly outgoings, however, the debt is coming from lots of different places which makes it harder to keep track of. Add…
-
Debts piled up, no payments made this year - HELP
Hi there. Iv been here in the past (just got 2 year badge yet barely posted) My debts have mounted up. Now iv just taken out a payday loan in September which i havnt paid back. So I think iv done away with every aspect of borrowing I can use. I owe a total of £49,952. This is made up of Payday loans - £1,461 Bank loans x 5…
-
anxiety and debt
Hi all,first time on here. i brief outline of my circumstances. i live with my wife in a mortgaged house with approx 100k equity. we would never move as it is a family home passed down. we have 3 kids 7,5,2 and things are tough. we were debt free before kids and mortgage and managed to pay for wedding outright and mortgage…
-
Stretched too far
Hello I have managed to keep up to date with payments up until this point but will struggle this month. My debts are below: Barclays CC £9200, Barclays PL £2500, Barclays OD £2000, mbna CC £6300, Aqua CC £4000, Virgin Money £3000, Starling OD £700, amigo £10000 I have got into this situation by helping my father who is…
-
County Court Mediation query
Hi all. Right, I am currently in dispute with a Debt Collection agency. I have written to them on numerous occasions asking them to prove the debt. Nothing has been provided. I have said on several occasions that I will happily pay the debt if they send through the proof but they have not done so. I recently received a…
-
Council Tax liability change - court costs
Hi, There were two arrears on a property my partner formerly rented, neither of which were accrued during her time living there. After months and months of hassle with council tax workers and an incompetent letting agency she has received two letters (one for each account) notifying her that the liability has changed and…
-
how long does debt last?
I have a number of debts which were initially run up on credit cards. To be brief, life got to be a bit of a mess, and I ignored most of the letters. The debts have been sold on a number of times. Its now been 3 and 4 years since I last heard from some of them, so can I find out if these debts have been written off? I'm in…
-
someone elses debt letters!!
I've just received my regular monthly letter, (from a well known firm of solicitors), advising me I am late in my monthly payment to my CCJ. (As always the payment was made on time.) In the same envelope was the same pro-forma letter to someone else totally unconnected to me!! I'm pretty horrified at this!! If a random…
-
Moriarty Law 5 year old policy debt
I received a letter from a firm called Moriarty Law and thought it looked a bit dodgy, it was asking for £176.00 for an outstanding debt. As I didn't recognise it I asked them to send me proof in writing. They have now responded and want payment in 30 days, it is for an old car insurance policy that I cancelled and…
-
Sell Up and start fresh???
Ok so I have a fair amount of debt and lately not seen a way out. I manage to pay my loans and credit cards monthly not a problem, however it leaves us little to nothing in the way of savings. So if anything happens we tend to struggle and use my credit card to get by :( . Recently my mental health has suffered with the…
-
CCJ when regular payment being made
Helping a friend out who has received notification of intention to register a CCJ against her. Happy with completing the paperwork etc. but it got me wondering. Why do creditors go to the expense and trouble of getting a CCJ against someone who is not only making regular payments but increasing them as and when…
-
Advice needed please. Struggling with debt...
Hello, I have been struggling with debt for many years now and need some advice on the best ways to deal with it. The situation has been really affecting my mental health lately as I'm constantly stressed about it and worried and just feel like it's not normal compared to everyone I know as I feel like the only one…
-
Egg Charging Order from July 2011
Hi Everyone, I have an old Egg charging order placed on my house from July 2011. I am now about to sell and of course will need to deal with this. The problem I have, is I have never received any letters from anyone since the date the order was placed, over 7 years ago. Clearly as Egg no longer exist, does anyone have any…
