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deceased`s debt help
This discussion was created from comments split from: 12 year council tax arrears after a death.
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Very catalogue payment plan?
I’m searching and it appears they don’t even do them. I rang today to sort a payment plan out and they want the facts and figures of everything. I appreciate it’s not an important debt as mortgage etc but does that automatically take away that you cant work out what you can afford yourself and make an offer? Laying my…
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Please help me, letter from SC
Hi guys, Please could you tell what happens if I my offer from SC has been rejected? What I need to do now? Shall I send better offer or something else to do? Thank you for help! The above creditor has rejected the payment we offered. You don't need to worry about this, your plan will continue and we'll still send a…
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Advice on non-defaulted account please :)
I would like some advice please. I am self managing my debts
due to reduced income caused by marriage separation. I am wanting to apply for
a remortgage and have been told to wait until September which is when defaulted
accounts will be 6 months old. One of the debts has refused to default the
account. I have paid them…
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Full and Final Offer after no CCA?
Hi all, I recently made F&F offers to my creditors for 20% as I found out I will being made redundant, but will relieve a lump sum I would like to try to settle as much debt as possible with. While one accepted and I'm waiting to hear back on others, one creditor made a counter to my 20% offer with 90%. This is not helpful…
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Question about snowballing or refinancing
Hi I have a loan and two credit cards. The two credit cards are in an interest free period whereas the loan is 21.5%. I have never missed a payment on any of the debts and don’t have any missed payments, defaults, etc on my credit report. The negatives on my report will be that I do not usually have much left at the end of…
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Cabot Finacial
First time writing a thread not very good at this kind of stuff :( :( so a very long time ago well over ten i opened a student account with TSB and they gave me a £150 overdraft being 16 at the time i spent it instantly then lived in and out of it for maybe about 2 years then decided to changed banks now 17 years after…
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Offering a F&F for unenforcable debt
Is there any disadvantage in making a very low F&F on an unenforcable debt ? I'm guessing there is nothing in terms of admission of liablity as the debt still exists and has been paid into via a DMP, but just wanted to make sure I am not making matters worse if not accepted and I continue to not pay ?
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Lowell financial
hi I have serval accounts with these and I'm wanting to settle them is there a way they will discount any of the debt , im tired of it hanging over my head Please any advice is welcome
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Charging order & making partial settlement
Hi, First time posting so hoping someone could give me abit of advice. I have a debt from my younger years that I dealt with the totally wrong way, I buried my head in the sand with it which resulted in a charging order on my house. The charging order was made approx 9 years ago. I have been paying it off monthly at an…
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Default Settling with Wonga - July 2020
Hi All This is my first time posting so please bare with me. i was wondering if someone could help me. Me and my partner are trying to get a mortgage for a Shared Ownership house, but my partner has a default on his credit file that needs paying off before a lender will consider us. The default is with Wonga that came on…
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Telling your partner about your debt
Back in 2009 i was in so much debt i didnt know where to turn.i didnt tell anyone and i was so desperate and i had darker thoughts than a person should have it affected my sleep ,life and my general well being..with the help and support of the site and the forum i found help and courage to get help and trust..now not only…
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TM legal services emailing about non-existent CCJ?!
Hi there First time posting, really need some advice re: tm legal services. 6-7 years ago I foolishly got myself trapped in a cycle of payday loans when I lost my job, to which I defaulted on several. Since then all of the accounts have been closed or settled bar one which will drop off my credit file in October of this…
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Snowballing
I can see the logic to this style of pay the lowest debt off first freeing up more money to pay larger debt and creating a sense of getting a handle on debt, however I have three amounts to pay off, the largest of these incurs a monthly fee whereas the other two don't, would you still pay the smallest off first?
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Selling house and charges over it
My ex is selling the house we bought together I have agreed to sign all documents as I’m still on the mortgage but have agreed to not claim anything as he has paid the mortgage for 10 years on his own but I just had an email from his solicitor saying there is a charge over the house from a dissolved company - it’s from a…
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Bankruptcy or IVA
hi, firstly, sorry if i've posted this in the wrong section.me and my partner have been struggling with debt for the last 20 years or so and it's become unbearable now.we have embarrassingly been trying to keep afloat without resorting to these extreme measures and have amassed over £50,000 of debtwe have a mortgage of…
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DMP, NatWest and missed payments
Hi As part of my DMP (which is through step change) I have a NatWest credit card and NatWest overdraft. Other than a period in 2018 when I had a medical issues that meant I was off work I have paid the full amount of my DMP each month (during the rocky period in ‘18 I did some reduced payments and some token £1 payments).…
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GAMBLING DEBT!
Hi guys, I just wanted to try and speak to someone regarding having debt due to gambling!!!!!! This isn't a massive amount in terms of what I've seen in other posts but it is a lot to me! I'll give a brief run down of how this all started I'm a recovering gambling addict from years ago but since I've been in lock down and…
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Moved: Bank Switching Encentive
This discussion has been moved.
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Partners debt
Hi My partner is in huge debt including a secured loan. He needs debt advice. Who would anyone recommend please. Thanks
