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jokerdisco

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About jokerdisco

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  1. thats the thing though. At £10 a week, with the current £67 per month gas charge is £110 per month PLUS the electricty at £60.. There is no way i can afford to do that and keep up with everything else. Sometimes i just feel like letting the mortgage lender reposess the house, and telling everyone else hounding us to bolt.
  2. Hi folks, wee bit of advice needed if possible. Short version of the story is that my HBOS bank account was hacked several times and as a result various DD' were cancelled. One was EDF, which the bank cancelled in error as they should have cancelled Npower (Homecare). anyway, i wasnt aware that this happened and we then switched banks to Barclays who did a DD transfer. Last week a lad from EDF turned up at the house and put a card thru saying phn him in 24 hours or they will get a warrent to force entry and install a pre-payment meter, Even tho the gas meter is outside. My wife was
  3. Hi guys, can you give me some advice for a friend. she has put a post on a pregnancy forum, and i said i would copy it here "Hi everyone just thought i'd share my story with you. Since i told work that i am pregnant i have noticed that their attitude has changed i had a miscarriage last time so this pregnancy i am very wary. I work in a small office and i booked an early scan to reassure myself when i told work of this i got told that it was a terrible inconvenience as my manager was going away. I had the scan and all was fine then as all of us do i have sickness and the supervisor
  4. just had 3 fillings at my "formally NHS" dentist, although we were never informed that he had changed to Non NHS,.... just had open wallet surgery @ £217...
  5. thats what it says on direct.gov.uk website. its all new to me, but glad iv got all the knowledge on this forum...
  6. I have emailed them today saying the following: Dear Sirs, I have today returned home, and on checking my voicemail I have a message from someone at your company, asking me to contact you but they have not given any reference number or indication of what this in relation to. I have, before emailing, researched your company, and I can only assume that this in relation to an old council tax account. If this is the case, I have already set a direct debit up with my new local authority for the current years liability, and have enquired how to pay the arrears as my previous loc
  7. Hi all, Arrived home today and there was a message on the home phone (ex-directory) from this shower with an urgent message for Mr ~ ****** to call their number (no account number left). Any advice on what i should day on the phone (or if i should phone at all) Cheers in advance JD
  8. what if you dont have a doorstep? what if you house has been converted for a wheelchair and its a ramp? should i try and buy a doorstep of ebay incase they come, so they dont feel they have had a wasted trip?
  9. i dont have a debt with mack hall, but want to play slap the DCA. It seems so much fun...
  10. Hi, Need a bit of advice.... Bit of a long story, but i'll be brief. Had a debt to the uni for something that i was unable to pay in full. I set a payment arrangement with their recovery agents, and this was being paid every month by standing order. I then got a letter from their Sols, saying that i had defaulted and they were starting court proceedings to recover the full amount. I called the recovery agents as i was still paying the standing order. They advised that they had sent a letter (to an address i left 2 years previously) requesting an increase on my payments. I advised that no
  11. Hi, Just spent a good few hours reading through sugerbabes thread. I got a letter from Go Debt this morning saying they wanted to declare me bankrupt for a debt they have bought over from Yes Car Credit. The account was opened in 2003, and they took the car back in Jan 05. this is teh 1st contact I have had from anyone since then. I have spoken to Go debt and they have offered a settlememt of £2k on the balance of £3.9k, but the want it by 31/12/08. there is not a cat in hells chance of me getting that sort of cash. The letter states that an OR would be appointed and my house sold.
  12. Hi, Just spent a good few hours reading through this thread. I got a letter from Do Debt this morning saying they wanted to declare me bankrupt for a debt they have bought over from Yes Car Credit. The account was opened in 2003, and they took the car back in Jan 05. this is teh 1st contact I have had from anyone since then. I have spoken to Go debt and they have offered a settlememt of £2k on the balance of £3.9k, but the want it by 31/12/08. there is not a cat in hells chance of me getting that sort of cash. The letter states that an OR would be appointed and my house sold. I joi
  13. Hi, Need help & advice please. Had serious money troubles last couple of years and thankfully getting things sorted now. However, had problems with council tax as our landlord screwed us from our last property (he said the rent was inclucing council tax) but it wasnt... We have made a few arrangements with the council (English council) but these have been defaulted on. We received a letter from the council telling us that they were applying for a Liability order and that it was due in court on the 14th July. This letter came through on 12th July. I emailed them and
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