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National Insurance debt collection?
Hi all. I've just received a letter from APEX Credit Management referring to an 80 quid unpaid National Insurance contribution. I have been on PAYE for 7 years and have had no notification whatsoever of any unpaid funds so am reluctant to pay anything. Two questions, is this going to affect my credit rating and what is the…
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Ex landlord says we are in dept of £1000
We moved out of our rented house last april. We where on friendly terms with out landlord and gave correct notice. We had been renting for approx 5 years off him. As far as we where conserned we where up to date with all payments. He never mentioned anything about any outstanding depts to him when we handed notice in. We…
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CCJ - Removal of goods HELP!
Ok, so along the way i have ignored a few letters and seems made the situation worse for myself. What's happened is due to loosing my job, and having to sign on i have ended up with a debt of £173 to United Utilities. I now have a warrent to take goods to the value, i opened the door to the guy he asked who i was and then…
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Help with a personal debt please
15th September, I did a council house swap, now the lady who I swapped with, the area I really wanted and its very very rare for a council house to come up in that area...anyway I will get to the topic in hand... she was selling her sofa, bed and a few other bits, it was very precarious where she was calling all the shots…
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SevenTrent Bill nothing to do with me (Debt collectors on me, need help)
Hi, It seems I posted the topic in the wrong place so posting it here for urgent help. Sorry about that. I've only ever lived with my parents at two different address's since the age of 10. I've never been in debt or paid any official bills (Always paid parents etc) Last year, I got a letter from a debt collecting company…
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Owing debt to British Gas
[FONT="]I am a single parent who owes arrears to British Gas. Over £1,000.[/FONT] [FONT="]I tried to come to an agreement for arrears and they said theyre is a form we can send you to fill in who can assist in writing your debt off?[/FONT] [FONT="]As I await for this form they have sent me a letter advising…
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Debt recovery
Hi, I have recently (12 months ago) set up a small business, I recently did a job for a lady who for reasons unknown to me, bounced a cheque on me, she actually rang me before I contacted her, and she explained to me that she had a few problems with her own business changing the bank account from a company to sole trader,…
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incorrect default on my credit record for five years!!
[FONT="]Hi. I had a Littlewoods catalogue roughly about 2006, and I ordered some goods from it to the tune of about £700. I always met my payments until I lost my job and I fell into arrears. When I did, I notified them there might be a problem with me making payments. I received letter after letter asking me to pay…
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Debt that isn't mine - how to prove
Hi all, In August 2010 I took out a new phone contract for my then boyfriend in myname as he wasn't working. (Stupid I know!) We broke up in March/April 2011 and he had just got a new job. So together(when things were still amicable) we decided to change the phone contract intohis name, address and debit card details.…
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Bank have lost my debt
Hi, I have been trying for over a year now to pay off an outstanding amount to my bank which was owed from a joint account closed in 2010. I have been repeatedly ringing the debt collectors to pay it off, but they will not speak to me because the debt (they say) is only in my husbands name. I rang my bank today once again…
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Can't pay my debts
I was unfairly dismissed from my job and have now been rendered unemployable. I cannot get a job because I have been 'dismissed' and do not now have a reference. I am a former teacher with an unblemished career but this 'dismissed' tag obviously affects my chances of getting a job. I am nearly 53 so who will employ me…
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Advertisng scam help
I recieved a call this Morning from a Manchester based debt recovery company. He claims I verbally agreed to take out some adverts with three different companies. When I told him I hadn't and had recieved no invoices, he said it was done verbally over the phone and basically wanted paying. I then said I wouldn't be paying…
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"unexpected" court fine
Hi, I've been reading through some posts on this forum, but unfortunately none seem to match my situation. Yesterday I received a letter to my address from the London North West and North Courts titled "Further Steps Notice" and stating that I owed £700 and I had failed to make payment as directed. I have no idea what this…
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HSBC being ridiculous - what can I do about it?
Hi, Will try and keep this short! I was a student between 1993 and 1997 and had an HSBC account which was overdrawn by around £1000 when I left. I used it for a while after but then stopped using it and consistently repaid amounts every month that were more than the initerest they charged to make sure the balance was…
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Council tax and equita bailiff
Hi my 1st post but really panicking & hope someone can help re Council tax & Equita Bailiffs, To cut a long story short, I had a payment plan in place but have defaulted on it, it has now gone to equita bailiffs, Ive asked them if i can put another DMP in place but they are insisting on the full amount of £900 !!! I know…
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Settling Debt
Having come into some money through the sudden death of a family member, i would like to use this to attempt to clear debt i currently have with 3 creditors. There isnt quite enough there to cover the debt completely but after talking to a work colleague, he has advised me to call them and make an offer of as much as i can…
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Credit score - default from vodafone
I’ve been working really hard to improve my credit score and have managed to double it (yes it really was that low!) since the beginning of the year. I check my credit score fairly regularly, and found a default from Vodafone dated the beginning of this month that was actually settled months ago. I contacted Vodafone via…
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Debt collection threats
I am writing this on behalf of my father. We work together in the central heating trade. Late last year, we had a dispute with a supplier we had used for a few years. He owed us a credit for a defective programmer & we had asked him several times to sort it before we paid our bill which was little over £1000. Prior to…
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Court claim form, what to do?
Hi guys, First post and to be honest I'm bricking it! Yesterday I received what appears to be a notice from Northampton county court that a £6600 MBNA debt has been sold to Arrow Global Guernsey Ltd and that Drydens Fairfax Solicitors have applied for a CCJ. First a bit of background. I divorced in 2005. As I was a bit of…
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Unpaid wages - Won CCJ against co - They now want Set-aside
Hi all, I worked for a company in feb / march 2012 & they never paid my wages (paid a quarter of it said they were unable to pay all) - I sent the part payment back & after much arguing, went to County Court & won a CCJ. The Company has been aware of this all the way through the process, BUT just as I instruct debt…