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Interesting situation with IVA
This discussion was created from comments split from: stop paying IVA?.
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Can Halifax debt be taken from TSB?
Due to a very slow response rate from Halifax at the moment I'm expecting fraudulent transactions on Halifax Credit Card to became debt soon. I'm moving income, standing orders and DD to another bank to be on safe side. Is my TSB account used for savings in any danger of being raided?
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IVA should I or shouldn't I
Will be looking at other options and reevaluating our situation. Thanks for the responses Hi all ive not been around much lately. Head back in the sand kind of situation. Anyway cutting a long story short I'm looking for advice on an IVA for just myself. DH wants to tackle his debts himself. (They are not half as much as…
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My life is in tatters. I'm in £50k debt. Help!
I don't know where to start. I feel like I've been in a weird bubble and have just woken up to an insane nightmare. A bit of history, I've never been good with money. I've always overspent and had some form of debt, usually no more than £1000 though. Things went badly downhill a few years ago. After I had my first daughter…
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Partial settlement offer accepted
Edited post
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Do I need to declare to financial advisor....
Hello please is anyone able to tell me do I need to declare my DMP to a financial advisor its £600 and I pay 20.97 off a month. I have put off paying it all off in one go as the debt is no longer on my credit report and im not paying interest. All Debt is years old and gave defaults over10 years ago. I paid off the ones…
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Moriarty Law
Hi,I have just recieved a letter from Moriarty Law relating to a unpaid car insurance debt of £160.35. I found an email advising that the monies I was due to pay was £110.35. This is dating back to 10th November 2017. Where do I stand? Moriarty Law are asking for £50 more than the original debt.Thanks,Callum
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Advice regarding credit card debt of £5500
I'm currently around £5500 in debt on my Barclary Card, i believe the APR on it is around 18-19%, and am paying it off at around £700 a month. My hope was to be debt free by now but with the lockdown meaning i had to buy gym equipment and one of my dogs needing around £6000 a surgery over the last 12 months, it got to a…
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Employment Debt
I wasn’t too sure where to post this but hoped someone could help me with a debt I’m being pursued for by my former employer. The situation in a nutshell is I had an employee car scheme I was forced to terminate early when I handed in my notice and left employment. The scheme were really slow to respond to my notice and…
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Moved: I've done it again....
This discussion has been moved.
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Utility debts
Hi Not sure if this is the correct forum to point me in the right direction but I am sure someone will be helpful. I am involved in a small local charity which is part of a national one, each local one only deals with their area. Had an email today from national asking if it is possible to help a family struggling to pay…
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Cabot sending someone round. Unenforceable debt
I’ve just received a letter from Cabot informing me that they will be sending Resolvecall to my home. I have not been paying as after sending a CCA request, they confirmed that the debt was unenforceable. What do I do? They want me to call them within 7 days or these people will visit me.
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My Partner is Unemployed with £20k Debt
Hi Everyone, I am sorry if this isn't the right place to post this. Me and my partner are 30 years old, and we have been together for nearly 3 years. I have just purchased my first property solely in my name, and my finances are in good order. Unfortunately, my partner's finances are in shambles. I knew that she had some…
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CCA Request Via Email during Covid 19?
Hi, Does anyone know if it's possible to make a CCA request via email, particularly during the Covid 19 pandemic?
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No contact from creditors - What will happen?
Hi everyone, First post from me, hope you're all well? I got myself into a financial pickle back in 2011 and since then I've worked hard to get myself straight. I've cleared the majority of my debts and am no longer getting letters chasing me etc, feels great. However, there are a handful of my creditors that have simply…
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Will paying off a loan damage my credit?
Hi I owe RBS approx. £9,000 and have another 35 monthly repayments to make. I now have the funds to pay this off in full. I do not think there would be any penalty (from my reading of the loan agreement) and I would save money on interest. However, I am worried that I would damage my credit, especially as I am due to…
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DWP debt - any limitation period?
Hi All I've made incredible progress towards becoming debt-free over the last few months. One debt that I have yet to tackle is £800 due to DWP. I owe £300 for an advance on a Universal Credit claim I made last November when I had a couple of months with no working coming in (ltd company director - self-assessment). I was…
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Cabot threatening a 'legal review'?
My debt to Cabot is unenforceable (they acknowledged this fact) but since then (2/3 months ago) they have sent me countless letters & emails wanting me to set up a new payment plan (I am not doing this). Today I have had an email 'threatening' me with a 'legal review' if I don't 'get back on track'. What does this mean…
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Helping a friend, gentle advice needed
A few months ago I joined this social networking site to meet new people during lockdown. On this site you have the option to purchase virtual currency, where you can pay money for gifting virtual items to friends. Through this site I met a wonderful young man who has become a good friend and we talk on a regular basis. He…
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What small DFW things will you do w/c 6th July
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
