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HP Car with bad credit
Me again, Another question i hope people can clear up or from experience. I currently get a car funding allocation from work so it is used on HP car finance. I am on my last year now, paid every month no arrears, so i will want to trade it in again for another. My concern is in-between me signing up a few years back i have…
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Car Repairs so cant pay
Hi there, Had a dreaded car repair bill which has messed up my finances this month. Have been paying a monthly payment plan with Moorcroft and Wescott. This is the first time i will not be able to pay them. I have emailed them and explained this situation and said payments will continue as normal next month Just not sure…
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Is being under the MHA grounds to get a CCJ set aside
So to be blunt was sectioned after a suicide attempt (lost job at short notice, assaulted etc. all got to me) and in that period some private parking company must have sent me a Claim Form that was missed (I didn't have anyone to look at my mail etc.) Since I was not at home I couldn't exactly respond to it. Do I have…
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ive been so stupid
I have been in an IVA for 6 years , the IVA was finally completed in October 2018 yippee so came off my credit report Now here's where I have been totally stupid at the beginning of October when Christmas was looming I very stupidly took out 2 pay day loans to help with Christmas . My credit score was still bad because the…
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Help me!
Hi, I'm currently struggling with debt. It's all down on me as my partner is unaware of it. I've up to £12,000 worth of debt on credit cards/catalogues. Without including a car loan and insurance. I'm struggling to pay minimum payments on them which is roughly working out at about £350 a month. I recently changed jobs from…
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How do I get old credit history?
Hi, I'm being chased for a debt that I cant see on my credit history - was there until very recently, but now gone. Is there a way to see past the 6 years? I need to see payment history, default date, if there was a CCJ etc. Thanks, Lulu
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Moriarty Law is chasing me for a debt from 2012
Hello, I have received a letter from Mortiary Law and that they represent JC International Acquisition. The originator is Talk Talk Limited. Back story: I have previously used TT, maybe 2-3 years ago and I have closed my account and paid everything in full. However, back just when I closed my account with them, I still…
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Lowell debt advice pleaase.
Hi, I had an Argos card, had ppi on it. I then had a car accident, and couldn't pay the card, and the ppi ignored my completed form, letters and phone calls. No payments were made, or contact with them from then on. Fast forward over 8 years, at least - my name has changed (8yrs ago) since the original debt was accrued,…
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Lloyds AP marker removal? HELP!
Hiya We are In a Debt Management plan with Stepchange and have been since Feb 2014. Lloyds is one of the creditors and for the first 2 years happily agreed to the reduced payments through stepchange and stopped all interest. However in feb 2016 we got a statement out of the blue showing interest had been added on, all…
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Advice On Setting Up A Payment Plan with the Court
Hi all I have been fined by the court £550 to be exact. I'm newly self employed, so some months I've made nothing and had to live of working tax. Anyway I phoned them em up to arrange a payment plan, they did some calculations and worked out £100 a month. I have to make my 1st payment in 2 weeks, but I'm starting to think…
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Previous Resident left a train of destruction
So apologies if this is the wrong forum but I have had a little issue after recently moving into a new flat. Basically the previous person who lived here disappeared (i.e suddenly stopped paying rent, broke all contact with the LL etc,) so they changed the locks etc. before they let it to me. Anyway in the past couple of…
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Old Debt passed on
Hi I trymake it short My husband has a old debt must be over 10 years at least originally a Nat West credit card , he was working part time then he ended up on benefit due to ill health and still on them now, and it is unlikely to change in near future , we was paying Nat west what we could afford for years then things got…
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Lowell again
Hi all. I have a credit card debt which lowell are dealing with. It £6500 Last payment was 2016 when i had probs with csa. I have written to them with a prove it letter. Today a recieved a package with loads of old statements. In the pack was a BLANK credit agreemet, no signature etc. So the pack only contains old…
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Hmct
Hi. Not sure if this is posted in the right place, but here I go. A few weeks ago I received a letter from HMCT historical Debt team saying I owed £180. First time I've heard about this. Gave them a call and it's from 2007 when a TV licencing agent knocked and got given a name, my name. At the time I was living at home…
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PRA group advice please
Can anyone advise please ? My cc debt from Nat West sold to PRA group they are calling most days I’ve not answered but had letter from NW saying where to send payments Ive been paying £10 a month for 7/8 years as unable to work due to mental health problems. Worried they are going to demand £10000 I owe Do I write I don’t…
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Debt, pregnant and alone - help!
So life feels like I’m really being pooped on from a great height and I’m feeling very overwhelmed right now so any advice is massively welcome! 1) existing debt =£19k Yes I know this is bad, it’s accumilated over years. I’ve recently taken stock of my finances and it’s been eye opening to say the least. £5k is a loan I…
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Unenforceable debt, full and final refused, they will restart collections
Evening all, Robinson Way have declined my full and final on an unenforceable debt (no CCA, I have the letter from them to prove it). Their prerogative. But now they're saying they are giving me 30 days to contact them and agree a repayment plan, otherwise they'll restart collections. This is a 10 plus year old debt so not…
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Hoping for some guidance.
Hi, completely new to the forums so apologies if this isn’t the right place.... I am currently serving in the military and had some issues with housing back in 2012 regarding damages and deficiencies, no excuses but I was in quite a bad place back then. Let’s fast forward to November 2018 and I notice a “public net debt”…
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Notice of Discontinuance received - What about the 6 year clock?
Hi all, Hopefully someone can give clarity on this. Back in Feb 2016, i had a DCA file a claim literally days before the alleged debt's 6 year clock was due up (They basically threw it at the wall in a list minute dash). The clock was therefore 'stopped'. After filing a robust defence, the case became stayed. (They failed…
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Ending a DMP
Hi All, so im in a position where I want to clear my DMP. I have approx £9K left of a DMP with Stepchange. In total I owe money to 6 creditors, but one of them makes up over 90% of the total debt. I have sent a CCA request to this creditor and they have responded acknowledging the request but are now beyond the 12 day rule…
