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Seven in 10 people who see a bailiff breaking the rules don't complain - MSE News
More than 70% of people who witness a bailiff breaking the rules do not complain, according to a report released by Citizens Advice today...Read the full story: 'Seven in 10 people who see a bailiff breaking the rules don't complain' Click reply below to discuss. If you haven’t already, join the forum to reply.
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New here - Want to give up life of Debt
Hi there, Been following some great threads on here over the past few weeks after realising I had let myself get into an amount of debt that I am now uncomfortable having. For too many years I have been all to happy to buy the latest gadgets on finance, with no problem getting loans, 0% offers etc, whilst still paying out…
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DMP: StepChange or self manage?
Hi I need to enter a DMP and was wondering what the general consensus is on StepChange. I’ve read amazing reviews for them but also seen some horror stories. If anyone has used them, would you use them again or go self managed? TIA
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Paranoid about debt
Hi everyone i have just taken a huge step towards managing my debt. i have registered with stepchange and they have suggested a DMP. i current debts are Tesco - loan and cc MBNA - 2no cc Barclaycard - cc natwest - od halifax - od littlewoods - catalogue. i am paranoid, reading others stories that these companies will not…
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Our SOA...
Evening all, Finally got round to filling in our SOA having been a lurker for a few months. So we are married 37 and 32 years old with a 1 year old daughter, both public sector full-time, living in private rented accomodation. Over the past 7 years our debt has slowly but surely increased and we are now determined to…
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CCJ Enforcement
I'm sorry if this is post is in the wrong place, but Im at my witts end and seeking advice regarding a debt owed to me/my hubby. Cutting a long story short, we have had a long running dispute with a neighbour over anti social behaviour which resulted in them causing £1500 of damage to our property. Although we are private…
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CCJ for my wife and I for the same debt
Hi all, ok so basically, my wife and i have received a CCJ on our files for the same debt. Is this possible ?
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Ex Housemate & Debt Collectors
Hi All Sorry if this is the wrong board but wasn't sure where to put it We had to recently kick our housemate out as he stole money from me and tried to fraudulently take out an amigo loan with me as a guarantor It has come to light that he is a huge mess with his finances due to gambling and Class A drug abuse he is…
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Will a CCJ in my name effect my parents and siblings
Hi everyone. I'm so glad I've finally found somewhere where I won't be judged. I'm 23 and have struggled with severe debt now for years due to racking up stupid amounts on credit cards and loans, after I turned 18. At 21 I stopped taking these things out but it was too late. Most of my debts are now under repayment plans,…
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Lowell Solicitors - Letter of claim and county court claim
Hey everyone, I have received a letter from Lowell solicitors. 'We act for Lowell Portfolio Ltd and we are instructed to recover your debt of 354.82 pounds. On 01/04/2014 you entered into an agreement with BT PLC to provide you with a BT PLC account. You failed to make payment in accordance with the terms of the agreement…
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What can I do re. this unpayable debt?
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Debt
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Resolve call - recorded me on the doorstep
Hello. Looking for some advise please. I received a letter on Saturday from resolve call (dated 28/12) saying they were working on behalf of their client “lantern” I have no idea who lantern are. Resolve call turned up on my doorstep this morning and asked me to confirm who I was and then advised me that I was being…
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What small DFW things will you do w/c 7th January 2019?
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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overdraft and finanical hardship
Hi , I have been trying to help my brother , whos whole life is a bit of a mess following a recent stroke. Thanksfully he is alive but with a malfunctioning body. His problem was he was living 'rough' in a caravan and debt and only self employed income but following the stroke he cannot work with his hands. He has been…
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Another Hellix Ltd again
Hi, ive seen many posts regarding this company and yes they are horrible people and speak to you like a piece of rubbish. Ive just found my original email they sent me last year, I cant seem to find them but its says debt type Green Motor Insurance Company but says credit agreement through Kwik Fit Home Insurance. They are…
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40K of debt across CC’s and a loan - feel helpless
Hi, This is my first post and I feel desperate at this stage and unsure how to proceed. I currently have around 40k in credit card debt and loans, and I am starting to struggle to pay mortgage. I earn around 50k per annum but still I am hitting the roof on my overdraft each month with it progressively getting tighter and…
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State Pension - can it be seized by creditors?
Let's assume I have some UK debts for which CCJs had been issued. I have lived abroad for several years but will now be entitled to a UK State Pension. Is it possible that my State Pension payments will be seized to pay my creditors? How could this happen exactly? What procedure do my creditors have to follow to get money…
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Centre of Main Interests - Evidence for the Adjudicator
What evidence do I need to provide to the Adjudicator to prove my Centre of Main Interests is in the UK? In particular, do they need to see a tenancy agreement? I have lived in an EU country for 3 years now. However: - my only income comes from a UK-source (I work as a self-employed contractor of a UK-resident company), -…
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Dave Ramsey - thoughts?
I have just finished Dave Ramsey total money make over book and i am totally on board with his baby steps plan. I know he focuses more on the mental side of paying off debt rather than the mathematically side. I was just wondering your thoughts about him and his plan! has anyone had any success with it or failed doing it?…
