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  1. Hi, I wonder if anyone could offer me some clarity on our situation, I have read through various posts but am now totally confused and not sure what to do. We moved to NZ 6 months ago, we left the UK with £50k of unsecured debts split between 8 different dcas. We have been running a dmp via step change for the last 3 yrs and paid on time every month, in the uk we did have property which we were fortunate enough to sell with equity before leaving. We used the equity to move to NZ and also paid back money friends and parents had lent us in the past. Now we are struggling to keep up payments
  2. Hi , i am looking for advice regarding a debt i am being chased for. Back in 2006, i took out the together mortgage with northern rock. Part of this was an unsecured loan. To cut a long story short,by 2007, i couldn't afford it any more and i left the house and the debt behind and tried to get on with my life. I realise now that what i was actually doing was burying my head in the sand! I heard nothing more about it until today when i received a letter from "drydensfairfax solicitors" saying i was still liable for the unsecured loan element.(£20881.52) From reading through
  3. Hi Everyone, I am new to the forum and also relatively new to debt problems unlike my partner who has got a large debt problem. I am trying my best to help him, as he is tending to ignore it, and have searched for hours online and I am now asking for your help as the worry of it all is making me and my partner ill. I apologise in advance that it will be a long explanation as it has got quite complex over the years. Unbeknown to me, my partner took an unsecured loan out in 2010 with Nemo finance for what totalled up to 75,000 including a large amount for PPI (explained later), to pay of
  4. Hi. I am a new user and would really benefitfrom any help and advice. Thank you. My name is Ian, I am married and with my wifehave been directors of 2 limited companies for many years. Company A for 10years and company B for 5 years. Each company had its own overdrafts with thesame bank and were run simultaneously. Our personal finances are a small mortgage, (40k)a small loan (2k) and a small overdraft (2k) all fully and properly servicedwith no failings or defaults at all. Indeed, these are still being serviced, ontime and as per agreement as we speak. Company A's overdraft was
  5. Hi, This sounds really silly but i took out a unsecured loan back in 2007 with Barclays and defaulted in 2009 owing just under £25k. I still bank with them as my current account is with them. What am confused about is that they are not pursuing me for it! They know where i live and know all my income and out goings. does anyone have any idea as to why its not been sold on or why they are not chasing me for it?
  6. I have an outstanding RBS credit card debt which has been assigned on to Arrow Global. My question is if the debt has prescribed as nothing had been heard of it for ages, until a recent letter from a CCA in Scotland. The last payment made by me was in Dec 2005. The debt was assigned to Arrow Global in Feb 2011. There had been no acknowledgement by me of the debt for over 5 years, so normally the debt would prescribe. However in Dec 2008 I wrote to RBS requiring penalty credit card charges on that account to be refunded, which were credited to the account. Also in Sept 2008 I made
  7. Hi all, been falling behind with my unsecured loan with Natwest. This is due to drop in work (self employed) and my daughters regular admissions into hospital due to ilness, however she is picking up now. My partner now has another job which commences in Jan increasing our income and i have a job interview on friday. I have recieved a letter this morning from natwest demanding i call and come to an agreement. I have been paying 60 pound for the last 4 month as a token payment. The total arrears is now 796.00 Thing is they are threatening default and formal dema
  8. My situation is that I'm shortly leaving to go and live in the US with my fiance and as such won't have a regular income until I can find a job and she will fully support me on a day to day basis financially. I have the below levels of unsecured debt with my current income I'm struggling to make payments and am in arrears to HSBC for the credit card and have been bumping along at my overdraft limit for years. HSBC Overdraft £1,000.00 HSBC Credit card £5,538.00 Santander Overdraft £248.08 CapitalOne £1,157.32 Barclaycard £1,168.09 Befo
  9. Hi All, I lost my business and job in 2009 and at that time had to stop all payments on credit. As a result I now have several debts amounting to 77k. Most of this is the shortfall on my mortgage which arose in 2009, even though I had an agreed buyer at the time to eliminate any shortfall, and has been frozen at 51k. The others are all credit cards and 1 bank overdraft. All of these debts have been sold on more than once to different debt collection agencies, and as my house was repossessed and I moved out of the area, I wasn't detected. After taking a small payday loan (w
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