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Who do I owe
Hi I’m new on here just after some advice I know I have debt and quite possibly a ccj was just wondering how I would go about finding out who I owe money to and how to get there contact details as I wish to try and sort out my debt issues
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Remember. It’s not that bad
As long as your mortgage is paid and your taxes are under control no matter how much unsecured debt you have the important things in life are you and your family’s health. Messed up credit file? You will come through it. Do not let it ruin your life!!
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Anyone else miss a few months paying?
Got a few defaults with a year or two left before falling off credit file. With damage now done and end in sight I open skip a month or two without paying anything. I pay £1 to each debt. Anyone else do this?
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Assistance needed for my friend please.
Hi there guys, I don't post often on here so apologies if I've violated any rules :# So I have a friend who's contacted me as he's finally come clean to being fairly deep in debt. Here are the figures, I would be welcome to any suggestions so I can help him: Take home pay: £1600 pm. Credit account 1: 400 Credit account 2:…
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Full and final offer percentage?
HiI have 3 debts that are a low amounts 87.80 intrum 108.13wescott 405.16 capital one Was thinking Offering 50%. Two been sold one to other companies. I have come in to a little bit of money and wanting advice on how much to offer the companies and how to go about it. Thanks in advance for your help. Regards Mel
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DMP: Pay in full or settlements?
Hi everyone, Hope your all keeping well. I've posted a couple of times on the mortgage page lately as I want to buy shared ownership with my partner but need to sort my DMP out first! My defaults and ccj are due to drop off my file by March next year thank goodness but I still have 3.5k left to pay on my plan. Money is…
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Council Tax Direct Debit
Hi All,I'm having a bit of trouble with Manchester City Council with regards to Council Tax, I'll try to be clear and concise to avoid confusion.My mother has been in and out of hospital for several months over the last year, I was aked to open her mail regularly whilst she was in hospital.On March 16th, 2020 I opened…
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Help :(
Hiya im Em New to the forum , just wondering if i could get some advice as we are so much in debt, just really worried tbh and dont know were to start :( Ill do one of those soa thingzys xx
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Unrecognised Lowell Reference Numbers
So I seem to be having an issue with paying off some debts that are owned by Lowell. Over the past 4 or 5 years I've struggled with addiction and alcohol dependence and racked up a couple grands worth of debt, bounced between jobs and have never really been financially stable. 2 of these debts were with CapitalOne and…
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Drydens are taking me to court for defaulting on student loan - no idea what to do
These are student loans from 94-98 so the old style, I had been deferring fine until erudio took over. Last year I received a claim from Northampton county court which I defended saying it was statute barred however it seems I must have got my dates mixed up as they rejected this. They've now issued an N244. I have…
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Setting up a debt management plan
Hi all. Right I've got alot of debt which I will list. Natwest loan 10,000 repayment £250 a month Natwest credit card 1 £3500, repayment £65 a month Natwest credit card 2 £2800, repayment £65 a month Natwest Overdraft £500 Argocard £1000 repayment £20 a month ( but have some things on interest free still) Very £150…
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HELP! Received Judgment for claimant (in default)
Good evening folks I received a Judgment for claimant in default today for the amount of +£1,500. I am uploading the document incase it is a scam (obviously hiding sensitive info) Sometime in the summer of 2019 as I was on the way to Hospital for work, there was a very very minor accident. My car and the other persons car…
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Charging order advice please
I have a charge against my house for £16000, the charge was taken out in 2010 because they say I never replied to a letter. i have now had a copy of said letter which is addressed to my late wife who passed away 2 years before said letter. link financial say the amount is now £22000 due to interest, on my original contract…
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Budgeting Advice!
How do people find they best manage their budgets? We have been using an Ammex - had a 5% cashback period that has now ended. it now earns 0.5/1% but I am concerned looking back, that it is too easy to just spend more than the budget. Any advice or what others do?
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Information
Good Evening, i need some help to rebuild Crdit score but need to split the question in two: 2017/2018 Apply for Aqua Card and Capital One Card and with my stupidity i made some short loan as was thinking was easy to pay and from that moment start my problem, went holiday and spend money and reach the cap of both card…
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On the edge of debt
Looking at a loan to pay credit cards loans and overdraft that will leave me with nothing to live on or go iva ?
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Cleared Off Credit Card Debt - Close Account?
To cut a long story short, my abusive ex racked up 10k worth of debt in my name and then left me to pick up the pieces. Fortunately, as I’m sensible with money, I’ve been able to tackle this debt fairly quickly by making additional (debt snowball style) payments on top of my debt management plan. Ive now completely cleared…
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Help needed for a friend regarding debt
Hi guys, Hope you can assist me. A good friend of mine is in a real
bad place at the moment going through a
messy split still living with her ex and is swamped down in debt after going a
bit mad when her Dad passed away, not an excuse but she took out some loans and
spent money on credit cards doing up her house, anyway…
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Pay off credit card with this month's spare cash and leave nil in bank?
Hi I've been browsing for a while. Had issues with debt for years, slowly slogging my way out! There is no point in me posting an SOA, as on paper I could be out of debt in a few months but my issue is poor budgeting/spending/impulse control, maybe related to mental health/stress which causes a lot of waste! I can undo…
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A Caution 1993
Just wondering if anyone can advise or help me to find more information regarding a Charging Order Nisi registered as a Caution in 1996 on my home. This Caution/Order is in my late husband's name [registered in his second name, which I find very unusual]. As I had no knowledge of this until recently [February] the deeds…
