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cazcraig

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Everything posted by cazcraig

  1. was in the middle of a marriage break up, moved house and simply forgot about ti with everything that had gone one etc, i spoke to the central fine office in manchester who said because it had gone to the bailiff there was nothing they could do and i would have to contact the bailiffs
  2. hi i recieved a 7 day bailiff notice about 3 weeks ago from marstons regarding two court fines totalling just over a thousand pounds, i rang marstons and asked for a payment plan which they refused, said i would have to pay £342 now and then would have 4 weeks to pay the remaining 800 which i just cannot afford, i am a community carer and without my car woul simply be unable to work is there anything i can do to resolve this that would suit both parties? any advice would be appreciated thank you p.s the bailffs have not yet visited the property
  3. thank you for your help, the letter he has wrote states he is of sound mind and body and put his bank details, card details and password on stating when he passes it is to be transferred into my brothers account which the details of he has also put into the letter and had it signed by himself and two others, next question, if he needs a will are the self packs you can buy sufficient or does it a;ll have to go through solicitors etc?? thanks
  4. thanks for that, he does have a will pack, not sure where he has got it from, presume its just one you fill out yourself but one of the district nurses have told him not to bother with it because it will take too long to sort the money out! i have never had to deal with anything like this before so i am completely lost as to what to do for the best, we need to pay for his funeral out of it as well so dont want it to a long drawn out process
  5. hi, not sure if i am in the right place here, sorry if i am not. my dad does not have long left to live, he has approximately 55,000 in savings that he wants to split between his 3 kids, his wife passed away two years ago, as far as i am aware we are his only living next of kin, he has said he is going to write a letter stating that he is of sound mind and body and that in the event of his death he wants his money transferring from his account into my brothers account (who will then split it between the three of us) question is, how do we go about sorting this out once he has died, and will the letter be sufficient?? thank you for reading, any help will be very much appreciated, thank you
  6. thank you thats what i was hoping to hear
  7. ok i have spoke to someone at wonga today, filled in the online assesment and they have said online they will accept my repayment plan of £51 a month, i have also had a confirmation email from them outlining the amounts and payment dates of the repayment plan, so am i safe so to speak now a slong as i stick to the repayment dates??
  8. i have emailed 2 seperate addresses but will email that one as well, thank you
  9. hi can someone help me please i am due to pay my wonga loan of £430 tomorrow (10-02-2013) i have emailed wonga today to ask for a repayment plan and ask all interest and charges to be suspended, i have contatcted my bank to block the payments but they have said because its not a recuring payment on my account they cant block it and to ring back tomorrow to see if it comes up on my account as a recurring payment once wonga have attempted to take the money tomorrow. been in to branch today and the guy i spoke to has blocked my card so it no longer exists, he seems to think this will stop wonga from being able to take any payments from my account, is he correct?? or do they have another way of getting money from my account?? i have money due to be paid in on monday (working tax) im hoping i can get to it at midnight before wonga do. any help will be gratefully recieved, thank you
  10. thank you for your advice sunshine, do you know how long it would take them to get a court order?? and would the court order be enforceable at this property if the debtor is no longer here??? as for store manager he is typical b/house employee arrogant so and so
  11. i used to be on the agreement and i have signed for things in the past, then it was put in joint names, and then a couple of months ago when we took out a new agreement they said they couldn't have joint names any longer and so because my husband went in store to sign the new agreement he was the one that resigned every agreement we had. i am quite concerned about the items we no longer possess and i don't know where he is, i imagine staying with relatives
  12. hi, husband doesnt have a key any longer, the problem i have is if the goods are in my house but they are in his name and he is no longer here how do they go about recovering them? also some of the goods are no longer here ( i know we should of kept them until they paid for etc etc) so were do i stand on those goods?? can they chase me for everything etc etc?? thank you in advance
  13. thank you pelham, i will have to contact the supplier and ask them to reduce the rate they are taking the debt back at, although until i get proof of benefits i dont think they will, thank you for all your help
  14. i live in the northwest, i can ring up and get the debt payments reduced because i will be claiming benefits, but i dont want to unwittingly admit responsibility for the debt if i dont have to, if that makes sense
  15. hi all wondered if anybody could help? me and my husband have just separated , we have quite a large electricity debt with southern electric ( over £1,000) the bill is in my husbands name but he no longer lives at the address, we have a pre payment meter and they are currently recovering the debt at £10 weekly. i was wondering who is responsible for the debt?? if it is me i need to get the payment reduced as i can no longer afford the £10 a week on top of my usage, but dont want to agree anything with them until i know were i stand, thank you for any help
  16. hi all, in a bit of a predicament, me and my husband have just separated we have quite a large bill with brighthouse that is in his name, the goods are at my property, we took off all osc and dlc some items are quite new, some say a year old and some almost paid, dont really want to send it all back were do we stand as to the goods being here but them being in my husbands name?? can they come ina nd take them etc etc? any help would be greatfully recieved, thanks
  17. *bump* can anybody help??? i know we would have rights if it was less than 12 months old but because it is older than this i am not sure were we stand.
  18. hi all just wondering if somebody could point me in the right direction, we got a refurbished television from brighthouse in june 2008 we finished paying for this approx 4 weeks ago and we had all osc and dlc removed from all our agreements back in may last year, the telly is now playing up and will randomly either go to a blank blue screen or the volume will completely disappear, we have to switch the television off and back on and this tends to remedy the problem so i was wondering if we have any rights with this? like i say we have finished paying for it and we have no osc or dlc since may last year, thank you for any help you can offer
  19. hi all since coming on here i have cancelled all my service cover with brighthouse, i have also told my sister in law to do the same, she is just beginning the process of doing this, however she also has goods from perfect homes and has enquired there about having there service cover removed also, they have told her she can not remove ANY cover at all unless she has house insurance, im sure this cant be right but wondered if anybody that knows more about this could help, thank you
  20. hi all hope someone can help, myself and my husband have got debt that we need to reduce payments on, mainly outstanding council tax arrears and personal doorstep loans i was looking at and adinistration order as the solution, the problem i have is the doorstep loans are individual i have 1 in my name and my husband has one in his name, i had an administartion order approx 5-6 years ago and defaulted on it, i never heard any come back off any of the creditors so iw as wondering if i would be able to apply for one again?? if my husband gets one in his name obviously my debt would not be sorted so we would both have to get one each if this is possible?? thank you for any help or advice you can give
  21. just a quick update on the above, husband went into local store today and asked about the telly they have agreed to repair it no fuss!! just waiting for a call to confirm the service booking and date in shock at the no fuss lol
  22. hi tawny owl and seq, yes i have ccj but they are managable at the mo, it is brighthouse i was hoping to get the administartion order for more than anything but seems i cant include them, didnt think i would be able to but thank you both for your help, was hoping there may have been some loophole or something that would enable me to do so, refuse to send items back because i have paid too much on the items to cut my losses so to speak, have also had the osc taken off so would have to get a court order to take the goods, again thank you both for your help
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