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Mortgage Woes
I am hoping someone will be able to give me sound advise so i can at least try resolving this depressing issue. DH and I have a mortgage of £230000 and a second charge mortgage of £80000. we are paying interest only on the mortgage but cant afford to pay anything towards the second charge. The second charge is increasing…
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energy company debt
hi im really hoping someone can give me some advice i got a letter from pastdue credit solutions today concerning gas and electric provided by scottish power saying that i owe 1088. very concerned as i had a pre-payment meter so i was paying as i used this credit company have also applied a 32 % charge why i dont know…
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Removing a CCJ from my credit record.
Hi, I hope I have the right place. I have read the rules regarding this forum and believe I've got the right place but if not please could you direct me to the correct forum. About three years ago I was Issued a CCJ from a solicitors firm who were pursuing an accident claim on my behalf. They had been pursuing my claim for…
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Letter from debt collection agency!
Hi Wondering what advice you could give me- I received a letter from a debt collection agency that state that I owe British Gas £2500 for a period ending Jan 2010. The address they say this relates to is one I lived in, but for a limited period in 2005. British gas say they cant seem to find me on their stem with the…
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Fraudulent Loans Using My Address
A criminal has obtained ten of thousands of pounds in a whole raft of fraudulent loans using my home address. This person has never lived at my address and I have never heard of them. I get constant letters from debt collection agencies, bailiffs and on one occasion had bailiffs call at my home. This is causing stress and…
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CCJ - because of a company's admin errors
My sister and I have a flat we own together and let out (we're not loaded!) which requires payment of service charges and ground rent. We've paid Countrywide the fees ever since we've owned the flat. My sister made payments up to 2012 to Countrywide to settle our accounts for 2012. We've been contacted by our mortgage…
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Small Claims Court
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Debt Collection by Marston Group
Hi, I hope that someone here maybe able to help! A few years back my husband received a speeding fine, he was basically caught on the road by an undercover police car, anyway because it wasn't a mobile camera or anything it was something that went to court. It did go to court and my husband was fined (quite a lot given the…
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Trying to Avoid Debt managment but company forcing me into it
I am trying to avaoid at all costs going into a debt managment plan but one company is refusing me off of £25 per month instead of £86 per month unless i go into a debt management programme. The other companies have been great and accepted my reduced payments as I will pay them all off, just over a bit longer period of…
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cca and personal details
hello, I am currently owe my bank approx £9k split up from a loan and 2 overdrafts. 3 years ago I defaulted due to my work situation and it was passed from a bank to a DCA. I have been paying £1 a month to the DCA as a token payment. I downloaded my credit file from Equifax, Credit Expert and Noddle. The loan is nowhere to…
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Advice: CapQuest Debt Collection
Hi there, I have received a text, several phone calls and now a letter from CapQuest relating to unarranged overdraft charges on a bank account I had with Santander. The debt is mine and I am prepared to pay the amount in full, I was was a student at the time and let it get way out of hand when I could have just paid a…
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Ground rent
Hi I have lived in my house for over 20 years and have paid by cheque every year £2.25 to Russell Brothers for the ground rent. This August I got a letter saying Estates and Management Ltd was taking over collecting it and I was 6 years in arrears. I emailed them to say this was not right and got no reply. Last Friday I…
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Equita & Croydon Council Tax Apr to Aug 2007 URGENT HELP PLEASE
I moved in with my girlfriend earlier this year - after Easter. A letter arrived today from Equita Bailiffs re Croydon Council Tax. There is no dates or figure quoted. I think it relates to April to August 2007. In August 2007 my house was repossesed & I moved into a friends - also in Croydon for a brief period. I believe…
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Welcome Finance - Unfair/Unjust Debt Collection
Hi there, to cut the long story of it, i will post the complaint i made to a debt recovery firm who are trying to retrieve £2,700 from me despite the return of the car. Now what gets my goat is that they are coming after me for the money, also it turns after all this time i was infact covered if i lost my job in the form…
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British gas passed details to debt collector for account have already settled
Hi Really fed up with British gas as after many many phonecalls and reassurances that I had settled my final bill on a previous address I have received a demand from a debt collection agency today. Phoned BG again and got same apologies and promises to delete this old account. Also phoned debt collection agency and…
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Incorrect Reporting on my credit file
[FONT="]I checked my Experian credit file today and was shocked to see CL finance had reported an entry of payments being more than six months late every month for three years between 2007 and 2010. This was related to two debts that had been transferred to them by Debenhams and B&Q. Neither debt was ever in default. I…
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Finance Company Dispute
Hi My inlaws have a problem, 4 years ago they had a car on finance, they returned the car when it was due and got another car with a subsidary of the finance company. There was a lot of issues, which involved a forged signature of my father inlaws from the finance company. It almost went to court but the finance company…
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CCJ incorrectly applied to credit file help!More credit file issues also!
Hello and good day. Thanks in advance for anybody who may be able to help with my problem. I have recently applied for a new bank account with overdraft and also a credit card. I was refused for both so decided to try the free trials on equifax and checkmyfile. A major issue I found was a CCJ for a bill from Yorkshire…
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DWP Benefit Debt
Hi Folks, I desperately need some help with a letter I recieved recently from the DWP stating I owed them money from 1998. I wrote to them twice asking them to prove that I owed this money and I also pointed out to them that in or around 2003 -2005 I paid them back almost £700 in installments for the debt they say I…
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Can i withdraw a small claime
I issued a small claime against another person for £1900, dishonest executor of my late farthers estate, i have been informed that they will be counter claiming for the same amount .. I dont really want to go to court twice, so i am thinking of withdrawing the claim & with expect him to do the same. is that possible ?…