Hi. Im new here and looking for some help.
A bit of background info:
I was in debt for a good few years starting about 8 years ago. Eventually cleared it up via a DMP 3 ish years ago. My credit score was destroyed then and still hasnt recovered but is very slowly creeping...
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Debt/income expenditure form
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credit file and UE debts question please
It's about nine years since we had problems paying our debts - first we had a dmp and paid through them and then in 2012 July we joined here and doing the UE route .
My question is this and i think i asked it before but not the same way lo.
If our debts are now UE but not yet SB do... -
Sale of Debt - CCJ
Hi Guys
Wonder if anyone can offer some advice on the following.
In 2013 i was issued with a County Court Claim from an original debt owed from a defaulted balance - default date 2011.
At the time i was making agreed monthly payments and my offer was to continue this at the... -
DCA purchased old RBS cc debt
Hi, it's been a long time since I posted and thanks to Niddy's Christmas email greeting decided to reassess my situation before I possibly receive a claim form..
In 2010 I started down the UCA route and stopped making payments on my credit card in December 2010 (taken out in 2002). It... -
Blemain finance unfair charges?
Blemain say I owe them £2946. I have had the loan secured against my house since 2007. They keep sending me letters requesting payment. I'm unable to pay the full amount so I'm wondering if there is anything I can do to setup a payment plan or to even get some of the charges removed
They... -
Staying under the radar or not
Hi All,
I want to share my experience, I know the general advice here is to stay low, and don't alert anyone you are still alive but I had to. I did this for at least two years but then I moved address, I only have Coop basic account, and my mobile phone, and the debtors found me in my... -
Stuckinarut UE Diary
my question is this. been an a dmp since 2008. and it ended on 4th march this year. due to it not being a suitable product cos of the shake up with the companies that give advice etc. so to save a long story. i/we will have 1 cc still with cap one 1 overdraught 1 personal loan. 3 cards. these are with...Last edited by stuckinarut; 12 April 2016, 22:28. -
Transferring Debt to liable person
Hello All,
New person here, sorry if i come across as not doing proper search.
I have two debts in my credit history due to my family members (Mother and Sister) buying a lot of catalogue items (Isme and Very) under my name and paid it with my debit card (I have given my debit... -
Sunny and lendingstream help
Hi I'm looking for some advice regarding sunny and lendingstream i currently have 3 loans with sunny and 5 loans with the lending stream I have received an email from lending stream offering a waiver of all 5 loans a total of nearly £900 after sending an email of complaint about irresponsible lending... -
Help for my Son needed regarding Bailiff
My Son and his girlfriend have had problems with their Council Tax but I have helped them sort this out and set up a payment direct to the council to clear arrears and keep up to date with existing payments.....
Dodgy bailiff keeps turning up - two visits in one day last week!? Is this... -
Advice on Enforceability and Statute Barred please
Here goes everyone...
In 2010, I entered into a DMP with ten creditors but for various reasons it failed 9 months later and I have paid nothing since. Most of these debts have changed hands several times since then and I haven't heard from some of the creditors for years. I have checked... -
Marlin Europe V Limited / Restons Solicitors
Hi,
I was hoping for advice please.
I had a HSBC Credit Card debt from a while ago, I estimate around (2000) in 2008 the balance was approximately £5000, I wasn’t working at the time and could not pay the agreed monthly payment, I had little choice but to pay them a...Last edited by Rawz; 18 November 2015, 12:09. -
Is this my best option
Hi all I have posted before about my financial situation and I have negotiated a payment plan of one pound for each creditor one for 12 months and the other for six months. I owe in total 18000. 16000 on a loan and 2000 on a credit card.
I have been offered work but as an apprentice for... -
Ccj's from hmrc
As part of my fall out with the world of credit, I encured the warth of hmrc. They got a ccj against me 3 years ago ( which I'm stil fighting, but that's another story).
my question is this , is it right that they should still be applying interest and penalties on and amount that they have... -
Wescot Shenanigans...
Hi All...
I'll try to be as brief as I can with this one
In may 2012 I closed my business and was left with a number of debts. One of them was a Barclays Bank business overdraft of £10,000 for which I was a personal guarantor. When the business closed, I contacted Barclays...
