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Can bailiffs / CCJ or any other force related to debt collection, take money from your S&S ISA?
Let's say for example you owe £20k or whatever you're taken through the system but you still refuse to pay up. I know your bank account can be frozen and the money in it can be taken to pay off the debt but what about your S&S isa?
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Bank of Scotland refund of charges (concern), help needed.
Hi All, this is my first post here, so please bear with me (and help if you can!) I've recently received a letter from Bank of Scotland regarding a Sainsbury's Visa credit card that I originally took out around 2007. The letter stated that they were refunding me £231 worth of charges. This came about after a 'review' of my…
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Debt-free success story
I just wanted to give a summary of my debt-free success story as I have been debt free for almost a year now. Back story In 2012-15 I lost my full time job due to ill-health and didn't work for almost 3 years. I had several credit cards, a car hire purchase and an overdraft which all defaulted and I also took out payday…
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IMFS Debt Collection?
I had a random call from this company relating to a figure of £103.23 that I supposed owe TalkTalk from 2013. They only contacted me recently - until then I had no knowledge of said 'debt' existing. For the record, it doesn't appear on my credit file in any way. Do I have any rights with this now supposedly being from June…
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Stepchange issues
I have a problem with stepchange. When doing a budget with them, they want to give all surplus income to creditors. If my income after every bill is £900, stepchange want to give every penny to creditors, but I would only be comfortable with giving £500 out of £900. They expect me to just have £0?
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CCJ consent/tomlin order help needed
Hello I received an update on consent order which states my application has been deferred and they have said to provide reasons as to why the judgement should be set aside as the court has to consider this under CPR13.3. They have put there needs to be a real prospect of successful defense or some other good reason to…
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SOA what would you do ?
Hi, I'm after a bit of advice, well a lot really, I have been around for a while and I have reduced my outgoings some of the things I have done are below. * Budget every month on a spreadsheet check all cards and amounts leaving my account that month * Meal planning to save waste and overspending, * Water Meter to reduce…
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Debt free
.fewfewgwGrgrwg
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Where do I start
Hi everyone. I'm new to the forum. I find myself sinking deeper into a massive hole of debts, and I can't see a way out. It's such a complicated situation so please forgive me if I ramble. My husband and I got married last year. We tried to keep the wedding small but as anyone who has ever planned a wedding will know, when…
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What small dfw things will you do this wk 24th August
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…
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My partner wants to renovate, I want to clear debts.
Hello, Previously I was on a DMP so me and my partner were renovating the house, replastering, skirting, flooring etc. We managed to do the living room, bedrooms and hallway. I then decided that I wanted us to be debt free, I suggested that we should put the renovation on hold for a year to pay off debts and then continue…
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Paying Off Debt After Being Made Redundant
Hi all, I have recently been made redundant from a job that i have had for the last 10 years. My wife is still working full time and she is bringing in a wage that will just cover all the everyday bills inc rent etc (excluding the debts). Between us we both owe debt of around 7k and we was thinking of just using some of…
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£2000 overdraft and me
As a university student (I left uni about 5 years ago) I fell into the trap of student account overdrafts. In the time since I fell in and out of that overdraft so often, and in the last 9 months or so I fell deep into it. Big mistakes, I know. It leaned heavily on my depression and a long stretch where I was unable to…
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3 Year Goal *******
Morning All Newbe here :smiley: Divorced mother of 2 (live at home) adults. Light Bulb moment yesterday - I tried to top up a loan, it was declined. Worse than that, I had to borrow £100 off my eldest to last me until payday on Thursday - he didnt mind at all but it made me realise what a shambles my life is. I am late…
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CCJ
I was issued a ccj about 4 years ago for around 8000. I've been paying 40-50 a month since then. I'd there a time limit on these Ccj's or is it u just pay it until the debt is clear. I just cant see a light at the end of the tunnel with this debt. The debt was inherited from a limited company which I was a director of…
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Re Mortgage
A close friend is going through a divorce and as a result is having to change mortgages. They have never defaulted on the mortgage but due to the previous partners indulgences ended up defaulting on some payments on credit cards. The friend has a very good job and has taken on the debt and ditched a DMP due to the charges.…
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Amigo loan interest refund
Hi, I had my first loan in April 2013 of £3000 I was offered a top up in November 2013 Which I took, they then proceeded To close the first loan and open a whole new loan (£4250). I paid this loan off Monthly by using payday loans Or help from family Most months to cover the costs. In July 2016 I had to ask a family member…
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Full and final settlement offer - information requested
I have written to several businesses who have purchased my debt from credit card companies and offered them full and final settlement offers as my mother has offered to make some money available to me to assist. They are now asking the below: Do they funds have to be paid back and is there any interest or charges related…
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Paying HMRC
Hi all Not sure where to post this. I had a terrible year 2018-2019 with some of family members being unwell and having joined a startup that payed very well in the start but then stopped paying me altogether. I had to leave it and I having to take a permanent role for some time then going freelance etc. Long story short I…
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Pay off debts or pay down mortgage to help repay equity loan?
Hi everyone, was hoping for some advice on my situation... I have about 16k in savings to do something with and trying consider best options. Bought house for £289k in Nov 2017, brrowed £210k on five year fixed at 2.3%, mortgage payment £754. Current balance £200k Used help to buy equity loan of £54k - interest free until…
