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  • Dharmadad
    started a topic Joint Owned. Mortgage in both names.

    Joint Owned. Mortgage in both names.

    Hi,

    I (nor anyone else for that matter) has seen of heard from my ex partner (not married) for nearly 8 years.

    I have since re-married and have a child with my wife - we've been married for 6 years.

    I understand from Landmark that I can do nothing without my...
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  • Drydensfairfax Solicitors Default

    I have an unsecured credit card debt which was purchased by Max Recovery Limited in late 2012.

    The original creditor was mbna.

    The debt has never been on my credit file.

    Last year, I started receiving correspondence from Drydensfairfax Solicitors, who were acting...
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  • InvisibleMan
    started a topic Invisible Man's UE diary

    Invisible Man's UE diary

    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...
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    Last edited by InvisibleMan; 11 June 2017, 19:44.

  • 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.

  • Arrangement to Pay and default notices

    Hi Niddy
    Basically I've got alot of unsecured debt that I'm now struggling to pay off. The majority of which has been used on house extension and improvement. Can't afford all my repayments each month now and have approached mortgage provider to remortgage to consolidate debt, no joy cos of my...
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  • DaveyBoy
    started a topic Debt problems - Any Ideas

    Debt problems - Any Ideas

    Hi, hope everyone is well

    Any advice thought on the below would be much appreciated and I know I'm in the right place to receive it

    Basically I'm still going through a UE journey now 5 years on and all is quiet with this, but now find myself in a new predicament

    ...
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  • daisy
    started a topic Unsecured debt & moving.

    Unsecured debt & moving.

    Hi everyone, it's been a while!

    I have a large amount of unsecured debt, not worried about the smaller ones, but a couple of Barclaycards pre 2007, also a couple of biggies with two banks and I can no longer service these debts, as I need to give up work on health grounds, so there is no...
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  • Asav7
    started a topic NRAM together mortgage unsecured loan query

    NRAM together mortgage unsecured loan query

    Hi, I have joined with a view to getting help with the following. In 2007 we took out a dreaded Together Mortgage. The unsecured element which was initially £22048 is the the reason for my question. I rang NRAM a few years ago and asked if it was possible to settle the unsecured element only and continue...
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  • IF
    started a topic Welcome to Asav7

    Welcome to Asav7

    Hi Asav7 and welcome

    I am sure you will find the help you need, if we can kindly ask you to check through the following links to get used to the surroundings first:-

    We...
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  • Mortimer Clarke & Northern Rock - Charging Order

    Hello All,
    it's been a while since I used this site but I have a little issues I need you help with. Back in 2005 I took out an unsecured personal loan with Norther Rock, in 2006 I got in diffulties with the payments and NR took me to court and got a ccj.
    Wallers Solicitors in Newcastle...
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  • Northern Rock - Together Mortgages - Unsecured Loan

    Hi All

    I had a "Together Mortgage" with northern rock. The property was sold in dec 2014 leaving £16k for the unsecured loan. The loan was in my mine and my ex partners name (he who had not paid anything for years and left it down to me) I wrote to Northern Rock offering them...
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  • Jaffacake
    started a topic time to sort this mess out

    time to sort this mess out

    Hi toeveryone in the forum and thank you for all the info available to help me makea start on my financial mess.

    my story started about 10 years ago with a lot of unsecured debt to the tune of£35k, I have been on dmp and never missed a payment, I never reallyquestioned the debts and threats
    ...
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  • Best way forward to use windfall money to clear DMP debts

    Hi all

    We have been in a DMP since March last year. We started with £94k debt and that is currently down to about £84k. About £11k is potentially UE (I have a thread on another part of the forum about this).

    So.....potential debt balance is £73k.

    By September...
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    Last edited by January2015; 9 March 2016, 05:42.

  • mas66
    started a topic Bad Broker Advice

    Bad Broker Advice

    I took out a secured loan of £23500 on a variable rate via a broker in December 2006.After a few years of the interest rates rising subsequently so did my payments, which is understandable. However after numerous interest rate reductions my payments have never been reduced by as little as 1p.
    ...
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