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  • InvisibleMan
    started a topic hello!


    Just wanted to introduce myself. I joined the forum last June, but the illness and then bereavement of a very close family member took me offline for some time. I've been dipping in and out of the site more recently and have to say I find the approach and advice bang on the money, this is the site I...
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  • Can creditors force a house sale to claim back their money

    Hi all, thanks for all the help you give.

    I have been on a DMP for 5 to 6 years now and want to go self managed and put my creditors on token payments until I have CCA's back (or not as the case may be). My only concern is that the creditors might choose to force me into selling my house...
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  • MisterK
    started a topic MisterK UE Diary

    MisterK UE Diary

    Here is my diary at last.

    (A little local difficulty getting the username agreed with MrsK, but everybody's happy now I'm pleased to say).

    About six years ago, in need of some help and well before I found AAD, I paid some money over to some CMC's to get "certificates of...
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    Last edited by MisterK; 30 April 2017, 09:04.

  • stjjts
    started a topic stjjts UE Diary

    stjjts UE Diary

    I have committed to start a diary so I can record my progress to date and going forward. I have spent hours looking through the valuable resources that exist in forums and now have a better understanding of what to do and what to expect.

    A number of years ago I realized that I was struggling...
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  • fiscalfool
    started a topic Credit Cards - To close or not to close?!

    Credit Cards - To close or not to close?!

    Hi All

    As part of my journey back from Bankruptcy, I have three Credit Cards:

    Vanquis £4000 Limit
    Aqua £4350 Limit
    CapitalOne £1750 Limit

    I've just come into some money and cleared all balance on those cards.

    My credit rating is still...
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  • HerefordVet
    started a topic Hereford Vets UE Diary

    Hereford Vets UE Diary

    Well here goes firstly thanks for everyones initial advice its taken a huge weight already irrelevant of the outcome! Ive started my quest to get debt free with a lot of old credits cards!

    Quick outline run up lots of debts upto 2007 due to failing business, robbed peter to pay paul and...
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  • Zeppelin
    started a topic Zeppelin's UE Diary

    Zeppelin's UE Diary


    Some of the UE Diaries start with some background whilst others don't seem to but I reckoned I should provide some background, partly as it might help other forum readers and partly to give Niddy and the other advisers relevant background details on specific debts.

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    Last edited by Zeppelin; 19 February 2017, 09:08.

  • Credit Card Debts...Advice Please

    Good Evening, I am posting on behalf of my daughter who is now in the middle of her financial settlement, and needing my support. Without going into the details, during her marriage she built up debt with three credit cards, all part of the marital problems at the time. However its reached a point now...
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  • cardiac arrest
    started a topic identity fraud

    identity fraud

    not sure if this is the right place but....

    my daughter and her partner were declined a mortgage recently after failing a credit check.
    After investigating it seems her partners ex wife has run up dozens of defaulted debts after they split but before they were divorced.
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  • SXGuy
    started a topic Debenhams store card ppi

    Debenhams store card ppi

    Hi Guys. Mum has a Debenhams store card. Had it for years. She's recently missed 3 payments and as such they have terminated her ppi cover. I never even knew she had ppi on this. However they have credited her balance back by nearly 200 quid in 3 missed payments. So by my reckoning she was paying around...
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  • Roscoe
    started a topic Roscoe UE Diary

    Roscoe UE Diary

    Hi everyone, I’m a newcomer but in need of a lot of help. My journey into debt began a long time ago but accelerated with the financial crash. I was self-employed and one of 3 directors of a small limited company from 2003-2007. The business was doing quite well but began to lose customers and contracts...
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  • pipsaholic
    started a topic RBS Account Termination Letter

    RBS Account Termination Letter


    My bank has threatened me to set off my funds I hold with the bank current account and savings against any debt owed? Can they do this legally without my say so or do they require approval from the court. I don't hold bank accounts with any other creditors which I have credit cards,...
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  • lookingforward
    started a topic NHS Exemption

    NHS Exemption

    Hi after a bit of advice please.

    My partner and I have not received our NHS exemption cards this time around (last 6 monthly expired end Oct) and having a look at the flowchart it seems this is because at our last tax credits renewal we no longer claimed for child tax credit for the 1st...
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  • LeeC
    started a topic what can you claim back from store cards?

    what can you claim back from store cards?


    has anyone claimed anything back from store cards?
    if so what can you claim back?

    i know you cant claim the interest back that they charge on each statement but can you claim fees for late payments? being over credit limit?

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  • PPI Reclaim after statute barred

    Hi all
    Sorry if this is in the wrong place. I have been down the unenforceable route on several of my credit cards. The usual happend. Default, hassled by countless DCAs. None of which provided a true CCA. Now that 6 years have passed. And they are all statute barred. If I was to make a ppi claim...
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