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Quickest and easiets..
Hi.. First time on here.. Not sure im doing this right!? I was just wanting some advice on the best method of getting rid of my debts by the end of the year.. Current debt: Loan = £2,500 Car = £1,000 I pay interest on both at the moment. Is there a card I can use to transfer both debts onto so I dont have to pay the…
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Is this Bailiff fee valid?
Hi All, I have a council tax enforcement question and would be very grateful if anybody can give me some advice. Here's the short version: Can anybody tell me if bailiffs have to state who they are collecting on behalf in correspondence? A letter was sent to an old address headed "Magistrates Liability Order Removal…
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same debt but ywo defaults
well im looking to improve my credit file and I have noticed that I have two defaults listed for the same debt , the debt was with one company who registered the debt and then sold it to another company . ive since paid off the debt to the new owner but im having a job getting the first to mark there account as settled…
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Debt Query
Hi. So over the past 24 hours I have read a lot of the threads on here and discovered quite a lot I didn't know about my debt. I have a debt with PRA Group for £8000 that was originally a credit card with Halifax who sold it to them when I got into financial difficulties. For the past 18 months I have been paying PRA £40 a…
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Payment issues
Best option when struggling to make payments on self managed DMP? I've had to move careers and won't be making as much money for at least next few months as only receive a basic salary Things had been going well but with the crossover I am going to struggle for a month and then have to re offer an affordable amount per…
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Ex-Wife Debt Issues
My ex-wife has problems with debt. Always taking credit out and not paying after a month or so. It's got to the stage now where she is stealing to cope with debt. Bit of a back story, we split and divorced this year after she cheated for the fourth time(I know, I know). I have custody of the kids and kept the house, she…
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Scottish Trust Deed
Does anyone know the minimum level of debt someone needs for one of these?
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Finding old debt
Recently an old creditor contacted me about an outstanding debt that I used to pay via payplan. I'm now going to pay them directly going forward. I know there are other old creditors I used to pay via payplan but I don't know how to find them. I've asked payplan 3 times if they have the details and they haven't responded.…
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Can I make 2019 my debt-free year?
Hi there. I've been on a dmp for over ten years now, gradually chipping away at a large debt (over £30K), that was the legacy of a bad relationship. I desperately want to be debt-free so I can move on with my life. I feel trapped by my debts and the way I feel I have no options open to me, particularly with regard to…
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Standard Financial Statement - medical costs
Hi, I've posted on other threads but struggling to get a specific answer. I'm considering an IVA or bankruptcy, and leaning towards bankruptcy. I'm really worried about the level of an income payment agreement, considering my expenses. I pay for quite a lot of things to help with my diabetes, as it's really bad and these…
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Accepted for balance transfer credit card but limit is not high enough.
I applied for a balance transfer credit card today and I was accepted but only for £1000 and I wanted to put £2000 from one credit card and £300 from my other one. Now I don't know what to do. My £2000 credit card debt is with the same bank as my current account. I am paying around £40 interest each month so want to move…
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Halifax debt - Need Advice
Good evening All At the moment I am looking for urgent advice as I am finding it very difficult financially. I am ok to pay my Halifax mortgage, but find it tough to pay essential bills along with paying all other main debts currently all with Halifax: personal loan, credit card and arranged overdraft. Before I speak with…
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Lowell CCJ Threat
Hello all, Long story short: Took a house in my sole name and shared it with 2 friends and my partner at the time. Didn’t pay the energy bill, split up with girlfriend, the other two moved out, I moved out, £605 outstanding. I moved out about 5 years ago, possibly a bit longer. I used to get frequent letters at my home…
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Mortgage Express - Making Off
My mum is on a very low income and ME have requested £5 a month in terms of paying off a mortgage from about 30 years ago when my parents divorced. Which she has been doing for the last 30 years. She has to submit bank statements and so on. She is 62 now I am considering offering to clear this for her, is a reduced offer…
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Debt Racking up
hi, i need some advice really on whats best to do. I have got a couple of things (credit cards/Loans) where i used for various things and the main one was for our wedding/holiday and moving of houses but things have just happened after... meaning i have only been able to pay minimum payments so therefore my credit cards…
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Cabot enforcable?
Requested a CCA from Cabot with reference to a Mint Credit card (we have been with Stepchange since 2008) Cabot have replied with a poor copy, very small and not really readable - maybe with a magnifying glass!!, of the original Credit card application headed " Credit Card Agreement regulated by the Consumer Credit Act…
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Paypal account in debt due to unauthorised transactions
So the story is i had £229 payments taken from my paypal in form of payment to cdkeys which i didn't do. (Nobody knows my account passwords and nobody within my house made the transaction. As soon as the transactions came through i was notified on my mobile that payments had been made. I disputed that these were…
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DMP - variable income
I started a DMP with Step Change back in August. I have 2 jobs. One is an 18 hour contract paid monthly, the other is a zero hours contract but I usually get 15-20 hours a week paid 4 weekly. My DMP payment is based on my average income however on months where I work less hours I struggle to afford my DMP payment. I have…
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Settlement offer from Westcot
So strange but pleasant occurence. Westcot have taken over management of a Nationwide debt recently, I amended my Standing Order info to their details, sent them an up to date SOA and continued on my journey. Since then they have bombarded me with calls (I haven't picked up, I feel very uncomfortable dealing with these…
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