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Bank agreeing to to high overdraft now I’m in unplanned ?
sorry for long title. To be brief, I am a gambling addict and racked up previous debts well over 25k just betting on horses. For now, this is a issue for another discussion. After months of not gambling, cause I’m that stupid I fell back into it. I have a planned overdraft already. But don’t ask how, I have gone over the…
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Balance Transfer
Hi - am I able to transfer part of a credit card balance ? I am desperate to transfer my balance to a 0% card to get my balance down but I think because I now have to work only part time due to family issues, I'm only getting offered a smaller limit. Thanks
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Help wi debt collectors
Hi all, I am really hoping you can help me with some advice. I've been reading on and off now for a couple of months, and delaying action for just as long, but here goes... A little background info ... my sister has been very unwell for a while and I have been taking care of all her day to day finances and affairs. A few…
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6 years going it alone but now I need some help with PRA
My apologies in advance as this post is going to be a long one! I have been reading this forum for 6 long years and have taken so much excellent information from people who do not post anymore to the regulars who are now on the forum, however I think it's time I posted for some advice on my present situation. Credit card…
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Two defaults for same credit account
I’ve just noticed on my Experian credit report that it shows two defaulted credit accounts. However, they are both in reference to the same debt. One is from Barclaycard, the original lender, and the other is from PRA, the debt company who bought the debt from Barclaycard and now manages the payments. There is around 6…
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Debt help needed
Help needed. I am new to this site. Not sure how to start a new thread. Please either excuse me or guide me. I am drowning in debts. I've been struggling with it for more than a year & managed to scrub every penny to pay minimum amounts to 9 creditors. Now I am in a state that I can't do anything anymore. I have read few…
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not been here a while now
I've not been here for a while now how can I find my old posts?
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Unknown amount of HMRC, for a dissolved company and personal
Hello moneysavers I'm trying to help my other half out of a long-term debt situation, he's woken up to the reality of it all but we're struggling to find out all the debts. One of the main unknowns is that he was trading as a company whilst on agency contracts within the NHS, having been advised this was a good way to set…
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Surprising letter from debt collecters
Hi, Last week I received a very surprising letter from the debt collector saying I owe an amount of money for falling behind on ground rent on a flat that I rent out to tennents. This was the first I had heard of falling behind the payments, and received nothing from the company itself so I challenged it. They are saying…
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council debt
my wife and I are both pensioners we got our state pensions going into our joint account which we have had for years recently my wife who is registered blind, got Parkinson`s disease and spent a lot of time in hospital her pension still going into our joint account she always paid for the food and household cleaning…
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Help with Hoist
Hello there, I'm very confused and hoping for some advice :( I have until recently been paying off debt for eight or nine years via a DMP with a company called Money Save Solutions, (known as Euro Debt when I originally began using their service. During this year I decided to see if I was owed any PPI, and as a result of…
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Bristow & Sutor - Attachment to Earnings
Basically I've fallen behind with my CT payments and have had several EAs with Bristow & Sutor and in a way I prefer it as the amount is cleared at source. I'm not trying to avoid paying CT but simply missed the deadline for monthly payments in previous years and it went to court and obviously an Attachment to Earnings was…
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Council Tax Summons Pending
My friend is behind on his council tax and has asked me to help him out. Financially he is in a mess, so lending him any money is the last thing I am planing on doing. He has arrears with Shropshire Council, he has made 2 arrangements to pay but hasnt given them a penny so he got a reminder in the post threatening legal…
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Charities call for action against rule-breaking bailiffs - MSE News
A third of people contacted by bailiffs experience rule-breaking behaviour, including threats and forced entry, according to Citizens Advice and debt charity StepChange...Read the full story: 'Charities call for action against rule-breaking bailiffs' Click reply below to discuss. If you haven’t already, join the forum to…
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Random Moriarty Law Letters!
Hi all, I’ve randomly received two letters from Moriarty law with regard to a supposed debt with utility warehouse Ltd of £952.50 which apparently started back on 12th July 2012. Now due to circumstance I’ve been living in temporary accommodation for most of this year with my post going to a friends house so I’ve not…
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Credit card interest refund
So a few months back I came on here for the first time and received a lot of help in getting some defaults backdated a few years while I had been on my DMP! 3 credit cards all agreed and backdated the defaults and even gave me compensation which I didn’t expect. I’ve now just received a cheque for over £800 of interest…
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Advice Needed
Hi, I have just received this unusual text ‘We have tried to contact you regarding your outstanding arrears. Agents will be attending your property for resolution before enforcement commences.’ The sender says ‘Enforcement’ there is no contact details, no details regarding me or my address or even what it is in relation…
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F&F offer to PRA with CCJs
I am pleased to say I am working my way to slowly becoming debt free but I am at my last - very big - hurdle. I have had F&F offers accepted by Natwest (1 account) and Lowell (3 accounts, 1 with CCJ). All accepted a 10% offer of the total amount which felt amazing. I have 3 remaining accounts, all with PRA (2 overdrafts…
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F&F offers to PRA with CCJs
I am pleased to say I am working my way to slowly becoming debt free but I am at my last - very big - hurdle. I have had F&F offers accepted by Natwest (1 account) and Lowell (3 accounts, 1 with CCJ). All accepted a 10% offer of the total amount which felt amazing. I have 3 remaining accounts, all with PRA (2 overdrafts…
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Old payday loan debt showing as 'satisfied' still being chased - complicated!
Hi all! Hoping for some advice. Old paydayUK debt from 2013 of £937, I basically ignored it and moved away. The debt was sold to PRAC financial in 2014, then sold to BWLegal in Dec 2016. I received a letter from BW legal at my new address in 2017 and began repayments of just £3 a month. Recently logged onto my credit…
