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Help... It's all getting to much
Hi, I've made some huge mistakes in life and got loans for boyfriends and basically I've ran from them all. Getting on in life now I have realised I can't run forever... Years ago I took out a loan for 10k and I haven't paid it... maybe a couple payments... I've got other bits like bills and a couple payday loans. Prob to…
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Old Debt
Hello I'd love some advice. Three years ago I moved out of a flat that I shared with two guys. When we moved into said flat fifteen months earlier we contacted all the suppliers and set up our billing with them. All except the electricity as no one claimed to supply our energy. Even the letting agent believed it was…
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Wrongly pursued for my husband's debt- CCJ
Hi, I hope someome out there might be able to give me some help or advice as to what action I need to take against my Bank. Basically myself and my husband have debts with various creditors that we are making payments to. About 2 years ago I was taken by HSBC bank to court for nonpayment of an an outstanding credit card…
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Sole Trader Debt
Hello and thanks in advance for reading my first thread. I can usually find answers in previous threads but this time I'm stuck. I have been a sole trader, I got into a bit of a pickle and now have a full time job and an evening job to help me work through some of my old debts but it just doesn't seem to be fast enough for…
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1st Credit LTD - Debt collector
Hi i have received the folowing letter today from 1st Credit Dear Sir/Madam 1st Credit limited is attempting to contact the above name regarding a personal matter. Your address has been supplied as a possible address for our subject. If you are Miss............. Please contact our offices immediately on telephone number…
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GE Money House Repossession 2009
Hi, I'm new to this site so apologies if this thread is in the wrong area. I have recently had a letter from DMS Capital Recoveries asking for a mortgage shortfall of £19k. Another company Hillisden Recoveries had contacted me before for 23k 2 years ago. The mortgage was in mine and my ex partners name. I have contested to…
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Collectors Calling Neighbours
I have just had a neighbour at my door with a phone number for APEX, apparently APEX (a collection agency as far as im aware) have contacted my neighbour in order to find out if I still lived next door and to pass on the message to contact them. Is this allowed or does it breach any data protection laws etc? Thanks in…
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Please help my Daughter
thread closed
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Help! - HMRC and debt collection agency messing us around - VAT repayment arrangement
I hope someone out there can give me some advice. My fiance runs a small business, he is a sole trader and due to the disgusting dishonesty of a few of his customers (long story - details not required here and too painful to repeat) he has ended up with several thousand pounds worth of arrears with HMRC. Since November…
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Unfair Liability Order - Next Step?
Hi Hoping for some advice if possible. One day Last march, I came home to find that a bailiff had posted a bailiff Attendance-24 Hour Notice through my front door whilst I was out. It stated they had possession of a liability order. I am a landlord and this order, it transpired, was for a council tax 'debt' relating to my…
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Bailiff - help
Somebody has some how got a county court judgement against a company (that does not exist!) and my address. I rent the house - I have written to the court but they seem to not care. What are my rights if the bailiffs come round.
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Panic about a Bailiff
Hi Guys, I need some quick advice, I got home tonight to a letter from a court appointed bailiff and i haven't a clue what to do although I have read a few things. I had a county court judgement and apparently I've missed a monthly payment which I wasn't aware I missed, this month I paid late because I'm self employed and…
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Statute Barred Debt
We have received a letter this morning from 1st credit chasing a debt from when my partner was 18 (he's now 27). He has never received any communications regarding this debt, he's never made any payments towards this debt and has never acknowledged the debt. I've read a little about statute barred debts, and would like to…
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mortgage and bankruptcy advice
forgive me as this is quite complicated to explain (i'll appologise now) myself and my ex partner brought a flat in december 2007 for £95000, also have a secured loan from welcome finance aswell, the balance on the mortgage is currently £84040 and secured loan is approx £5000 . we are currently in negative equity due to…
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CCJ - Court Document have my Intitial wrong - Is it therefore Void?
Hi my husband didn't pay our gas bill on time and unbeknown to me we got a CCJ. He didn't tell me because even though the bill is in joint names, the paperwork was sent twice, once with Mr his Initial and Surname and once Mrs his Initial and surname and NOT my initial. He therefore thought it was a duplicate rather than…
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Fredrickson International - harassment
Hi For quite some time I have been receiving daily phone calls, on some occasions more than 1 phone call a day, from Fredrickson International calling not for me but for someone else. I always screen my calls so I always receive a voicemail from these people. From looking at this site I know they are a debt collection…
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Debt collector
Hi I have a debt collector chasing me for a debt from a insurance company that I had at insurance with, I cancelled the insurance and they wanted me to pay £50 cancelation fee but I didn't at the time now a debt collector is chasing me for the money do I have to pay them? Thanks
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Summons for non-payment of Council Tax
Hello, Mods: Hope my post is covered by the current Citizens advice bureau (apologies if its not, please move my post in that case) My brother has been in the UK over a year and I've been paying the council tax for his place every month since he did not manage to open a bank account untill a month ago. Last month, for the…
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Money Claim Online Questions
I am posting my question in this section because I was told to go to the Citizens Advice Bureau for advice. I run a small business repairing computers (limited company) and received a Claim Form from County Court (Money Claim Online). This was a situation where the customer decided to do further repairs on their own and…
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Help please! Flapping a bit!
Hi, Small issue I've been aware of for a couple of weeks. My sister got in touch with me a week or 2 back saying that my Mother (who I havent spoke to in 2 or 3 years for personal reasons) had received some letters from a court addressed to me. I told my sister that I had no idea what could possibly be for as I'd not been…