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Do I have to give income and expenditure to Idem Servicing ?
I have a debt passed from Bank of Scotland to Idem Servicing. There isn't much left to pay on it (c £150). I've asked for a settlement figure but they've sent me a letter saying that they'll only accept the full amount. I'll struggle to pay the full about in one month, but will be able to in three months or less. I know…
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Bailiffs come to collect Council Tax
Hi, I had bailiffs come to my house today to collect an outstanding council tax, I was at work and my wife answered the door, they have given a letter to pay the outstanding amount in 15 days. I am currently up to date with council tax payments, there has been no outstanding balance since the middle of last month. I called…
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Inheriting a house
Hi. I am due to inherit a house at some point in the near future (the Will is currently in probate). What effect will this have on my iva? Just wondering if I would be forced to sell the house to pay the IVA off in full (approx. £19,000)? The house is worth approx £150,000. Or wondering if I were to live in the house…
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Lowell problems
hi , can anyone advise on my problem, lowell entered a ccj and i contested it asking for original credit agreement, they replied saying that the original creditors do not have it however they sent me statements showing that i had an account and showed goods ordered and paid for up until a certain date....is this proof that…
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Bad experiences with Lowell?
Hi guys, I am an investigative journalist and I am writing a piece about how debt collectors in the UK treat the consumer. If you have had a bad experience with Lowell or Lowell's other trading name of Fredrickson International and would like to share your story, you can contact me on: whatdidlowelldo@outlook.com This…
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Bw legal
Hi i need some advise, I've a debt with payday uk which was defaulted in 2011 and i am now having letters from bw legal saying I'm going to have legal action against me if i don't pay in full. I can't afford to do this as i am on a low wage and a student, i accept it's my debt but i am being harassed with calls, texta and…
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CCA advice please
So the finish line is in sight, we have paid £50k off a total debt of £58k:j. I have 4 credit card debts, some going back to 1999. Should I be asking for a CCA? I can also lay my hands on £2k if I can demonstrate that it will offer me a substantial saving (family loan). So in theory if some of the companies play ball I…
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Everyday Loans
Hi I'm currently on a DMP with one of my creditors being Everyday Loans. My question is has anyone had a reduced settlement figure when offering to pay off the outstanding balance? Thanks R
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CCA Request
Hi, I am being chased from a Debt collector for an amount owed on a car I owned. I have sent a CCA request, to which they have replied over a month later saying that the finance company have provided the default notice and the termination letter, but are unable to provide a copy of the agreement. Where do I stand with…
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Bit of advice please
Hi guys So I've been plugging away at the debt for nearly 2 month now and I really feel like I'm starting to get somewhere ... Once again thank you soooo much for all your help and support over this time :T I haven't told any of my family about it as I didn't want to worry them, however my mum saw my BC statement yesterday…
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Pay off mortgage or loans?
A bit of advice/ opinion required. We currently have a mortgage with a Help to Buy loan part stuck on the side, so 20% is the HTB part and 75% was the mortgage. (the other 5% was the deposit) We also have a couple of bank loans around the 4% mark being paid back over 5 years. Now, I'd like to get the HTB loan paid back by…
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Recovery from reckless spending
Hi all, I've been occasional reader of this forum for quite a while, but I've never logged on. I've decided to sign up because I recognise that I need to turn my life around, and that I need support & advice. I've always been a very straight-laced person. Always worked full-time, sensible with money, honest, loyal...etc,…
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Letter from Lowells advice please?
Hi all, I recieved a letter today from Lowells telling me that they purchased a debt from a water supplier in March 2014 that I am responsible for. The amount is £70. They say it relates to my time at an address. I rented the address they mention from Sept 2011 to Sept 2012. I moved out but as far as I am concerned I…
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Turning the tables on Lowell
Hi all Im after some advice on behalf of my partner. He recently logged into his Experian credit report to find a new default showing on his report. This default had come from Lowell finance but didn't tell him much else. Somehow he managed to find the CEO's email address at Lowell and (cheekily) sent an email directly to…
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Is this too good to be true?
Hello everyone. This is my first post. I am currently working to pay off my debts which were quite high at the start of the years. 3 of my debts belong to creation ( credit cards) and 1 barclaycard. I suffer with mental health issues and currently take daily medication and receive therapy every few weeks. This is helping…
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Lowell and old mobile phone debt
Hello, I'm a first time poster but have been trying desperately to get the answer to my query, but struggling, so hoping somebody can give me the info I need. I have received a few letters and phone calls from Lowells regarding an apparent debt I owe to Orange from 5 years ago. I have looked at my credit file and it says I…
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New life from today
Good morniNG We are entering a DMP with Stepchange and have done a SOA with them.. We have been through all the downgrading phone/sky/etc so pretty organised with all that and now time to get organised. I will be visiting and reading the old style forum as well today. We have a allocation for saving for car repairs,…
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Car removed
1 event thành công ch!nh là thành tựu của một hệ thống hoạt động chặt chẽ, nhiều năm kinh nghiệm, kỹ thuật cùng với sự tâm huyết và yêu th!ch của những người tổ chức. Giờ đây nhà hàng tiệc cưới Queen Plaza sẽ đưa ra kiến thức cơ bản về tổ chức sự kiện để bạn nắm bắt thêm. Mọi năm xuất hiện hàng nghìn hoạt động, event xảy…
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Selling house for debts free - Is it a good idea
Dear All, I need some advise. I got into big online gambling addiction and got upto £60K in debts in 6 months purely down to chasing the losses and digging a big hole. Credit cards, Overdrafts, borrowing from friends, Personal loans all maxed out. I live in a privately rented accommodation due to new baby but I have let…
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Calling Credit Card companies before I default Question
Hi I have a lot of Credit Card debt around £47000. Most is on 0% deals and I can make the minimum payments. However 2 deals have just ended and the interest is just under £400 per month. I can't afford this for any length of time. I have a Barclaycard with 5k available, but no balance transfer offers at the moment so can't…