Background to how I got into this mess:

Around 10 years ago I had a well-paid job and a top notch credit score. I had a few credit cards I hardly used, but no outstanding debt. I went into a lone business venture for a pension pot. I borrowed heavily through bank loans. They couldn’t...

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...

Hello Everyone!

I have two CCJs on file - one being paid off (slowly) and the other default in judgment but rarely hear anything from them.

I also have a multiple defaults from 4 year old accounts.

All the creditors have written off the debts except for Lowell...

Money Advice Service to be abolished

This is a duplicate of the Blog Entry made on: 16th March 2016 11:23
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FCA contacting 16,000 customers of debt management firm

This is a duplicate of the Blog Entry made on: 11th March 2016 14:35
...

Debt advice firm director banned which traded as One Debt Solution

This is a duplicate of the Blog Entry made on: 22nd December 2015 18:25
...

Hello, I have added a link to my original post, so you can see what has brought us here.

Original Post

Legend:

sent
received
other information



Total Debt £18,926

Charities welcome change to HMRC’s debt recovery powers

This is a duplicate of the Blog Entry made on: 16th October 2015 16:03
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My mother has had a demand for £19,000 by the solicitor company acting on behalf of trustee as they are saying I made a preferential payment to her 12 months ago.

Basically I had borrowed money in my mothers name to consolidate debts because I could not get credit myself.

...

DEMSA announces merger with debt advice body

This is a duplicate of the Blog Entry made on 21st August 2015 15:08.

The Debt Managers Standards Association (DEMSA), a trade body for debt management andIVA firms, has today announced a merger with another trade...

...

FCA removes permission of three debt management firms

This is a duplicate of the Blog Entry made on 21st May 2015 15:17.

The Financial Conduct Authority (FCA) has stopped three debt management firms from offering debt advice services, after it discovered debtors were......

Hi there,
So the last applications for the Right To Buy scheme up herein Scotland are on 31^st July 2016 and I hopefully will be looking to apply aroundthat time so I’m trying to get my debts sorted out now in the event I have a chanceof getting a mortgage.
Mortgage wise I have no idea...

Hiya Everyone,
i would really appreciate some guidance on the following
I had 5 accounts with TSB Current acc/ bank loan/ 3 credit cards. All turned out a nightmare for me but no one to blame but myself. I was very ill and no longer able to work I had no money coming in and was robbing...

Hi guys. I really hope someone on here has some advice as im not sure what to do.

When I was a student I shared a flat with a couple of friends and we had our gas supplied from British gas. This was from 17/02/2007 to 01/07/2008 when I moved house and closed the account.

I...

financial conduct authority
They regulate firms and financial advisers so that markets and financial systems remain sound, stable and resilient. They also encourage transparent pricing that’s easy for everyone to understand. They state that their aim is to help firms put the interests of...