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Missed Payments / Collections - Improving Credit Score
I had taken three unsecured loans about 24 months ago when I needed a new car to get to and from my self employed jobs. A few weeks after this two of my biggest customers went under basically over night and it wiped out around 70% of my income. I started missing payments and had collection letters coming every few days and…
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Cash envelopes
I have read a lot about cash envelopes and how they can help with budgeting each week / monthZ just wondered if anyone had tried them and to what success? [purplesignup][/purplesignup] If you haven’t already, join the forum to reply.
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Getting default date moved
I’ve been in a DMP since Feb 2014 and I’ve got 3 more payments, then I’m debt free. Woohoo! All but one of my creditors defaulted me within eight months, so by October 2020 I will nearly be default free. However, Littlewoods didn’t default until October 2015, some 20 months after I told them I was in a DMP. I wrote to them…
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I have no idea where to go from here.
I want to post my SOA, if anyone has any advice or help I'm open to it....I don't see a way out or anywhere else to turn. Household Information Number of adults in household........... 2 Number of children in household......... 1 Number of cars owned.................... 1 Monthly Income Details Monthly income after…
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Shoosmiths
Just had a letter from these guys to tell me they have applied for a CCJ for a debt from 2016. This debt was included in my bankruptcy in 2017 and they are refusing to accept that fact. I have called and emailed, they have responded to say that they can’t find me on the bankruptcy register so they will continue with…
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Time to face the music..
Hi everyone, The usual, long term lurker, first time poster.. A bit about me, I'm under the age of 30 and I have just over £30k debt.. and I am a recovering gambling addict. I had been gambling for around 7 years, began playing bingo online, had a little win, decided to play on the online slot games.. had another little…
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Two months of 'breathing space' for those in problem debt from 2021 - MSE News
People struggling with serious debt are to be given a grace period of 60 days before being hit with further interest, charges and enforcement action, under new rules that will come into force in 2021...Read the full story: 'Two months of 'breathing space' for those in problem debt from 2021' Click reply below to discuss.…
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2 CCj's on the same debt
Back in 2010 i had a few financial problems which resulted in me defaulting on a EGG credit card and a ccj was issued ,the debt was then purchased by a debt purchasing agency in 2014 , in 2015 a second CCJ was obtained by the debt purchasing company for the same debt. Is this legal to have 2 CCJ's for the same debt ?
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Quick Quid
I wrote to all my creditors last month to let them know I was changing my DMP from Step Change to self managed. Most replied accepting my proposals apart from Vanquis and Quick Quid. I logged into to Quick Quid today and the loan is showing as "paid off" I though I still owed about £140. Do you think they have written it…
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£18,000 in debt and losing hope
Hello, This is my first ever post so not sure if I’m in the right place or not. Over the past few months I’ve been gambling regularly. As a result I’m now £18,000 in debt. This isn’t all down to gambling as I had debt before but approximately £10,000 is. I can’t tell my girlfriend as I’m so ashamed and I’m worried that I…
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Advice on a Debt NoA From Lloyds to Idem Servicing
Hi, I have a long standing debt accumulated over many years which, due to both physical and mental health issues, I have unfortunately been unable to pay off. It has been under control for several years by making small payments under self negotiated agreements with creditors. However, I have no doubt that I was miss sold…
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Zopa - help help help!!
Hi All Unfortunately got myself into a sticky situation... I own my own house and also have a Zopa loan amongst other things that I am simply no longer able to afford paying due a huge change in circumstances. I’ve set out a I&E and That I’ve sent to creditors already and have plans in place. However my agreement with Zopa…
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2nd Job?
Who else has a 2nd income? Keeps the debt monster at arms length.
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Handing Home Back to Mortgage company
Hi All I'm new to this and need advice. My wife has an IVA due to her ex husbands debts,She has a mortgaged property which we keep up with the monthly payments,However her home has fallen into disrepair over the 17 years she has owned it,there is no equity in the property it is in fact in negative equity to the tune of…
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Help needed
Hello I don't know where to start or even if I'm on the right board, all I know is I'm in debt and just about keeping my head above water with the repayments, but for how much longer I don't know. I don't even know what I want to ask or who can help as my head seems to be in a jumble. I will just leave this post for the…
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Who teaches their children about managing money?
My Dad was very debt averse. Neither a borrower nor a lender be was his mantra. He was a high earner but he never threw money around and he was adamant we should stand on our two feet financially so I think that taught me to manage my money well. I got a part time job at 16, saved a percentage of my wages and have avoided…
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New debt repayment scheme
Government has confirmed new “breathing space” period and new statutory debt repayment plans : http://!!!!!!/Upbc30oXYx8
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Help with Lowell Group
Hi there This is my first time posting here so hope this is ok. I’m hoping someone can shed some light with regards to a Three Mobile debt that has been sold to Lowell Group. They are chasing payment from my partner for almost £800. I sent them a prove it letter, they responded with a final bill from Three Mobile which…
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Trying to go debt free
Good morning all, Recently one of my old creditors from 2013-2014 has been in touch with me which has given me a "kick up the bum" to sort my debts out. I contacted Step Change and we went through my options and while I'm currently a stay at home mum and not in employment, I decided that the best option for me would be to…
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FOS outcome
Hi, I have received a response letter from the FOS following a Myjar complaint. The adjudicator has upheld all 5 loans (4 paid and 1 currently owing £1045). They have said in the response “You should add together the total of the repayments made by myself towards interest, fees and charges on all upheld loans without an…
