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PLEASE READ BEFORE POSTING: Money Saving Expert / CAB pilot service
Welcome to the Citizens Advice Bureau discussion board which aims to help people get started on selected topics. Post your queries in the relevant board below and a Citizens Advice representative will aim to answer your question within 2 working days. If you’re already receiving support and advice from your local CAB, then…
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CAB Board Pilot ending Wed 19 December
Hi everyone We’re reaching the end of the initial CAB Board pilot, which was set up to run for six months. The last date for questions if you’re hoping for a CAB reply will be Wednesday 19th December 2012. CAB will aim to reply by 21st December. Unilt then please read the Intro thread for details on how the board works.…
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Dealing with debts and debt disputes
This thread is for people wanting to start getting help with sorting out their debts and also disputes about debts. If you're being chased for payments by a lender or being taken to court, it is possible that you might not have to pay the money. Our advisers from the Swansea Neath Port Talbot CAB Service are here to help…
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I have CCJ against company but the debt hasn't been paid
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Ex Employer hassling over money
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urgent help needed please!!
over the last few weeks i,v recieved 2 letters from wescot saying my Lloyds tsb loan which i took out 10 years ago, is now taken over by wescot, i was paying 50.00 pounds per month and upto date with it lewis debt recovery were the people we were paying to...apparently Lloyds have contacted me to say they have changed how…
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husband not paying bills...
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Csa arrears after never missing a payment
Can anyone help! I am on the old system for paying csa and have always paid csa, i have paid for 11 yrs and my oldest daughter has now left school, leaving my youngest of 17 leaving school next year. My problem is i was told by several csa advisers that my payment would be going down and i would be finding out on th 13th…
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Marstons - Notice Of Seizure
I came home on the 10th December to find a Notice Of seizure through my door from Marstons. I am at my witts end and suffer from sever anxiety and depression and this is effecting my health to the point I am scared to leave the house. I have spoken to the baliff on his mobile phone about the situation and he wont accept…
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Bad credit rating
I have a very poor credit rating due to being a fool when i was younger, recently i tried gaining credit but was turned down. I was wondering if, paying back my debts now, albeit late would increase my rating enough to be considered/accepted for a mortgage? any insight into this would help so much. thanks.
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Protecting myself from son with serious debts
My 28 year old son, lives with my wife and I, and is in serious financial difficulties. Without wishing to sound callous (which I am not – and could type pages on the practical steps I have taken myself to help him) – I am less concerned about his financial predicament, which he has brought on himself, and is doing very…
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Restriction against the land - can they force sale of house?
Hi I'm new here, so any advice is gratefully received. I own a property that I lived in briefly then rented out as it was not big enough for me and my family, so we moved into a larger rented house ourselves. I have a debt for 7.5k that I had been making regular payments on for a long period of time, then we got into some…
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Father beside himself over Income support over payment
Hi, I hope im in the right place. Ill try to explain as clearly as i can . My father is not well in many ways and he is beside himself over a letter stating he owes nearly £3000 due to over payment of income support since 2009. This is due to a small mineworkers pension he got out of the blue (he only worked at the pit for…
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Quickquid Advice
My friend got a loan ( pay of next pay day ) He couldn't pay it, so made arrangements to pay them monthly. In October this year he sent a email to quickquid asking if it was finished. he got a email back. See below. To him he has paid it off and in my eyes also. Anyway he gets a email from quickquid on 12/12/2012 saying…
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Friend took over car finance but hasn't paid ??
Hi there, I signed my car over to a friend of a friend on the agreement that they would take over the payments, the new owner spoke to the car finance company and setup them selves on the account and agreed all this, two years later I have received a letter from the finance company saying a payment has not been paid since…
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2f westcot credit services
Hi i just recieved this letter, i do have a debt & was paying a debt management for past 7 years, but this year i faced losing job & needing new place to live, so i stopped paying debt this year. Now found place that i houseshare, also job i kept but on less hours. I don't know to declare bankrupt or reply to this debt,…
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6 Year Debt Dispute still ongoing
Can anyone please offer some advice on the following matter. I had a dispute with vodafone back in 2007 when my phone was stolen and within 24 hours and the time it took me to realise and cancel my phone, a bill had been accumulated for over £1200. I was insured and despite my efforts, vodafone insisted I was liable to pay…
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Debt, Liability dispute + Rundle Bailiffs excessive on Council tax
Rundle Bailiffs excessive on Council tax. Someone please help Hi, I don't know if anyone can help me. My mother received two bailiff bills for two liability orders, one dated Jan 20 2006 ( £488) and Apr 7 2009 (£27.50) ( 2009 was like 4 years after she lived there). These were council tax bills, from a property my mother…
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HELP aktiv kapital.
Hi All My Girlfriend has just started getting letter for the above, so i sent up a email address and email them. The below i what i sent because i she told me the debt was form years and years ago. The reason i am worried is , i have moved all my stuff into her house and dont want debt collectors coming in and taking…
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BCW Group - should I contact them?
Hi I know there are a lot of threads and information pages on how to deal with DCAs, but every situation is a bit different so... I received a text today asking me to contact BCW group urgently, quoting a reference number. A quick google search backed up my initial thought that this is a debt collection agency, but I can't…
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Chasing Payments
im currently self employed and i have some customers which are on account , my credit terms are 30 days end of month , unfortunatly a few companies think this means 90 days+, is there a way to enforce the payment terms as we send out reminders , statements , which are often ignored, and i dont have the resources really to…
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catalogue debt dispute - can you help?
Hi there, i dont know if you can help me but i desperately need some advice and have no idea on how to proceed on this issue. I have a catalogue that i have had for a number of years now and have kept upto date with all payments on the account which was cleared some time ago. I helped out my mum by letting her have a…
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Definition of Formal letter re gym membership
Hi , Looking for some help please . My son has a gym membership which he has been unable to use since September due to reallocation . He spoke to the gym early October and they said that if he provided a letter from his employer to state this they would allow him to cancel . Because he is away it took several weeks to get…