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No job in two weeks - even with benefits still going to be well short of income
Got mortgage, quite a few credit card (albeit 0%) debts and loans..... Even with minimum credit card payments, going to be £500 a week short. Obviously, hoping to get a job but the date is rapidly approaching. :-( If I were to speak to the lenders, typically what would the offer? Part of the problem is its 4/5 credit…
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Westcot letter for father sent to daughter’s address
Hi all. Thanks in advance for any help. My daughter has received a letter from Westcot at her (new) home but addressed to her dad. It says they are attempting to contact him and have been provided with this address and she should contact Westcot if the information held is wrong. Obviously, the info is wrong and all she…
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Equita Enforcement Letter
Hey All First of all apologies if someone has previously seeked advice on a similar issue to mine here on this forum! I am being chased by Equita for a council tax arrear amount due from 2014. I had since then moved cities and counties twice and last year when I got back into the county again on a new job, a few months in…
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Can a CCJ be issued twice?
Hello there. Here again for some more support if possible, please? My long road to being debt-free continues - with your invaluable help. So most of my old /defaulted debts are paid off and my credit rating is good to very good. Hurrah! One thorn in my side is a loan I took out in 2008 with Welcome Finance. This is now…
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Solicitor monthly bill increase
Hello, I’m hoping you might be able to either confirm our options or suggest others. My partner is still paying off his divorce solicitor bill. The solicitor has been good to work with until now, not least in that they were happy for my partner to pay their fees on a monthly basis. There was very little money involved in…
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Business debt
Hi, I’m not sure if I’m in the right place… my husband has a building company that now has 40k+ debt. He is racking up more debt using credit cards, suppliers credit etc. He went VAT registered last year which has crippled him. He owes money for cis of around £6k, vat bill is around 7-10k, wage bills of around 3-4K weekly.…
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American Student Loan Refinancing Overseas
Hi all, Not sure if this is the right place to post, but I'm trying to find options for refinancing my wife's student loan. It's an American private loan (so no access to federal support etc) totalling just over 100k USD with interest in the region of 9% The problem that we are currently running into is that the major…
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Bailiff fees council tax debt
I've read this old thread from 2016 : https://forums.moneysavingexpert.com/discussion/5487104/council-tax-arrears-cleared-now-bailiff-fees which mentions that enforcement agents don't usually chase oustanding fees (£75 + £235) once the council tax debt has been cleared. Has anyone had recent experience/evidence if this is…
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CCJ old address
Hello there I wounder if someone can help, I got letter from a company called Hoist Finance with a old address in the letter that i haven't been associated with for 17yrs.So i ignored the letter but had a phone call from this company how they got my address and number in the first place is concerning. So i spoke to someone…
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I'm in trouble
I have lost my job due to becoming disabled after having 3 back operations and my income has reduced by quite a bit and I have a large amount of debt totalling about 24k with a large monthly outgoing towards these debts I have never missed a payment on anything but I'm really struggling now and I want to know if I go to…
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New SOA
Glup, the last year has been hard, income was reduced, IVF, head gasket repair on the car (its a classic and I love her so not up for sale!!) and renovations to get my flat rented out. The good news is income is now up (thanks to rent) bills are down as partner and I are living together, mortgage is about to switch to a…
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Advice needed
Hi all, I've read a few threads on here recently and it feels like a really nice community of people that could give me some good advice, that quite frankly I badly need... I'm 31, single and live alone in a small Maisonette that I have a mortgage on. I've always had some sort of credit card debt, but it's gotten to the…
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Moved: Balance Transfer at 9.9% or attempt a new card?
This discussion has been moved.
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WBAC settlement
First post, would appreciate some help…. landrover contacted me a month ago interested in buying my 2 yr old evoque for £3500 more than the current PCP settlement figure. Just for interest I got an online WeBuyAnyCar valuation, this came out at nearly £7k more. Given then reputation I booked an appointment and the vehicle…
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What small DFW things will you do this wee 20.09.21?
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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Debt free
I want some advice on how to get out of debt without an iva
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Cash transfer to use 0% offer?
Hi. I have approx £7k on a credit card with a £14k limit. I used to have 2 cards that I would swap between to use the 0% deals but one cut my limit down to £250 a while ago, so I can’t do that any more. My current 0% offer finishes in December and then I will go on to standard rate which will cost a fortune in interest.…
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CCJ
So I’ve been paying a CCJ by DD monthly for almost 5 years… and a debt collector company has started text messaging me saying my “Payment Plan” is about to end, that I should contact them to make an alternative payment plan… As far as I know they’re a different company to the one that took the debt to court… I’ve not…
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My husband has received a letter from Lantern debt recovery company advice needed
I wonder if any one can give me some advice, my husband has today received a letter from Lantern a debt recovery company. We have no idea who they are and have never heard of them before or had any contact or dealing with them. This is the first letter my husband has received. Letter claims my husband has more than one…
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Help Needed please
Help Needed please
