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High Court Enforcement Group NOE on a CCJ that isn't registered nor do I owe the money
Hi I was taken to court by a landlord in 2015 for unpaid rent, but I had gone travelling so didn't receive the papers. I had moved out of his property, but he claimed I still lived there and took me to court for the rent for those months. I obviously told him I was leaving and when, and have proof to show I had left and…
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Moriarty Law / First Utility
Hi, I've recently been getting letters from Moriarty Law stating I owe Shell Energy (formerly First Utility) £230. This goes back to 2017 when I was paying First Utility by direct debit so I don't know where they get this figure from. Ive changed energy suppliers twice since 2017 and also moved house. I sent Moriarty Law a…
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Old Job Overpayment
Hi, I've recently changed jobs and went from monthly salary to weekly, with a mixup my old job paid me for the month I wasn't working even though I was already working for my new company. I thought that was a payment for my outstanding holiday and didn't check my wage slip. It turned out they mistakenly paid me as no one…
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Trying to save advice!
Hey guys I am just after some advice re my SOA and life going forward. I work part time in a good job and I probably will go back full time but when the children are older and my husband is more stable. My husband is out of work as currently suffering mental health problems (worked for 15 years before this and paid his…
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Starting again
Moved from self employed to PAYE and have moved on from roughly £100k worth of debt. Mixture of credit cards, CCJ gone beyond 6 years so off file. Have about £4K on my file now which will fall off in a couple of years. Onwards and upwards.
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Post divorce Finance Clean up:Defaults & Settlements
Hi all I am nearing the end of a very painful divorce and I have around £35k of Credit card debt (divorce, unemployment & loss of business caused this). Anyway, my Experian credit score is, erm, very poor like 400 and something. I want to buy a property and a mortgage will be needed. So I have to clean up my credit…
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ex's court order-what to do?
Hi, Need some advice please. I'm not sure if this is right forum to post this. I'm going through divorce at the moment. I'm in the process of getting absolute and consent order. Ex has moved out from our marital home. I continue to live there with our son. The house is still under joint name. For some reasons he refuses to…
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Tv Licence Prosecution
Hi I’ve been sent a letter saying I’ve been charged of having no licence and have 21 days to plead guilty or not guilt. My question is, what sort of fine am I looking at and will I be able to pay monthly ? On paper I probably look like I’m ok financially as above minimum wage but have lots of debts and also suffer with…
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Just a thank you!
I'm so annoyed with myself as I've lived my adult life just looking at the money left in my account each month and spending anything left over just before payday (rarely was), I had direct debits coming out at random points throughout the month and I just felt like I was going to live my life struggling forever despite…
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CCJ Claim Form received
I'd like to start by saying thanks in advance to any guidance offered following this post. I will provide a little background. Back in February of this year I posted regarding a Letter of Claim received from Mortimer Clarke relating to debt that Cabot owned. I followed the advice and submitted my return, they replied…
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This time last year I was in £9k of debt...
I am thankfully now completely out of debt and have been since April. However I have lost my mojo and have not been as intense with my saving as I was becoming debt free. I’ve found myself slipping back into old habits, such as eating out, treating my nephews to expensive days out and excessive spending. Thankfully this is…
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Scottish Trust Deed and moving to England
I have set up a Trust deed as i live in Scotland but i have been offered a place at university in England and wondered if anyone could tell me will the trust deed still stand or do i need to apply for an IVA in England?
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Update on Being Debt Free
I have posted on here over the years about being in debt and how my life was a mess, I had a good job with good money and my husband was well paid but ended up getting myself into a lot of debt and came onto this forum for advice and basically to save my sanity. Anyhow in 2014 I posted saying I had one payment in February…
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DMP plan going solo?
I've been paying a DMP through stepchange however I've found they can be a bit too pushy in wanting me to go bankrupt etc. I ended up dropping my min payment last september to £61 in order to keep my DMP plan going and my review is now overdue that they are considering dropping the payment plan. The current debt is £19600…
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Settlement figure or full amount?
Which is the better option, in terms of future credit applications? We’re applying for a mortgage next year and want to clear the debts. Is settling at a lower amount to clear the debts a good idea?
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Incorrect late markers? Advice needed please!
have an account currently managed by Lowell. It was purchased in June 2017. Prior to it being sold there had been 4 late payments. Since Lowell bought the debt, it’s been paid on time every month, but still updates as ‘late payment’. I complained to them and they have had this response... “I can see from our records we…
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Mortgage broker fees and interest rates
Please help! Here is our background.My partner and I have come into financial difficulty. He is currently with payplan and also has a secured loan that he is under paying (which he took out for a previous partner-another story). I have also accumulated quite a debt since having our 2 children and turning to credit as a…
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Summons for Erudio student loan. Help.
I'm not sure I have posted this in the right place so please redirect me if there is a more suitable forum. These are loans taken out between 94 and 98 so the old style ones, I had been deferring no problem for years then a few years ago when Erudio took over either I messed up or they did but it seems my deferment never…
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Robinson way letter ,looking for me
Hi ,I use my sisters address for contact details for bank and pensions etc ,she has just opened a letter asking if it's my address home and to call a free phone number .the letter is headed Robinson way after googling found out its dept company ,it might be a dept from 8 yrs ago .I use my sisters address as I now live in…
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Best Debt Solution
Hi all, I have total debts of approx £3,500. The companies i owe to are mainly Vanquis (now transferred to Moorcroft Debt Recovery), Aqua (now transferred to Link Financial), Capital One (two accounts) & Bulb. I have previously had a DRO (discharged in 2015), so that is not an option again. I have a really bad financial…
