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About Me


Found 14 results

  1. Does lending money to a friend create a legal contract..
  2. My friend angel_1 introduced me to this forum and advised i might be able to get some help. Went to court on 25 March 2009 and Judge granted possession to the claimant adding at the end if we come into a lump sum of money or a buyer to purchase the property that would be our saving grace. The eviction date is on 24th April 2009 @ 12.30 and was hand delivered yesterday. Is there a min/max amount of notice that should be given prior to the eviction date by the baliffs as this turnaround seems pretty quick. I am in the process of typing a letter to send to the mortgage company aski
  3. Hi, Back in 2009 myself and my husband attempted to take out a joint IVA, however the debt management company made a mistake which ended up with my husband only being issued with the IVA and myself being left with the debt from Tesco - I was unaware of this for some time, believing that the letters I was receiving were in error whilst the IVA went through and I ended up with a CCJ, with the court requesting that I pay £36 per month, this I have done continuously since June 2009. My husbands IVA completed last March, with Tesco having had payments from me all the way thro
  4. Hi All Would really appreciate some advice on this. History is that I had a car agreement debt 10 years ago that got passed to Optima. They wanted a CCJ but as I was in financial services at the time I managed to avoid this with some sort of charging order. The paperwork was drawn up in my name only despite the mortgage and property being in joint names of myself and wife and only consisted of a one or two page document, however, their charge does appear on a land reg search. I have been paying a monthly amount for the last 10 years for an original debt of arou
  5. Had a good job, career, home, money, etc. Then had a prolonged period of inactivity, debts piled up, not opening letters, spiral of anxiety and stress. blah, blah. Now, for past year or so, been earning, and getting back on feet. Looking to start paying back, and deal with all my debts. Have done as much due diligence as I can, and need some pointers. I have a number of creditors, with debts totalling around 45K. Have been paying token payments of £1 to most, some more. Looking to get StepChange advice and help. But also need some idea of full and final offers to re
  6. I have had a charging order on a joint owned property in which I live for several years now i have been paying the court ordered amount of £10 per month without fail. The solicitors (the infamous Restons) keep sending me every six months or so income and expenditure forms to fill in. In the past I have simply sent them a copy of my P60. Am I correct in thinking I am under no obligation to provide them with anything and that only a court can order an increase or decrease in what I am paying them? Or am I being delusional and should provide them with the information t
  7. I have debts with Robinson Way and with Mint. Robinson Way took over Marbles debt, and offered me the chance to pay off less than the full amount in settlement. I accepted, and they sent me a letter saying I needed to fill in an Income and Expenditure form, and contact them about how to send the money. I had already settled another similar debt with them earlier this year, without the income/expenditure form being needed. That was a lot of hassle as well, with them delaying details until I phoned them to find out how to pay them. I also offered Mint to pay off th
  8. Hi, this is my first post on the forum although I've been reading through all the posts and info here for some time! I'm finally taking action to resolve my out of control finances as I now have 7 active payday loans and just can't cope with them anymore I was due to make a rollover payment to Mr Lender today but sent an email a few days ago explaining I was experiencing financial difficulties and was writing to all my creditors to come to a arrangement for a repayment plan. I received a reply today requesting that I complete their detailed income/expenditure form. I've se
  9. When providing a DCA with an I/E form, what sort of stuff is considered reasonable or necessary? As I'm currently on JSA but live with parents so I'm not a main bill payer for the main stuff, but I do pay my parents weekly with what I can afford and I pay for a lot of stuff for myself, food etc and hardly seem to have much left over. The balance of the debt is £250 and I've proposed £1 or £2 a month until my circumstances change but my I/E form seems to suggest I have lots of money left over when it's not the case in reality. And how much of your disposable income do
  10. Do i have to fill out Income and Expenditure forms for all my creditors? The problem i have being self employed is that in filling them out would show that i have no available income to spare, but the truth is i have other un declared income and i actually want to pay these debts off but without the interest charges
  11. Hi I have recently filled in an income and expenditure with a monthly repayment offer on a council tax arrears. Today received a letter stating they are not accepting my offer and to recalculate my i&E. They state that music/dance lessons are not classed as essential (fair enough I can agree with that ) but they also state that childrens school uniform and childrens clothing are not classed as essential expenditure ! I'm sorry but I though clothing my children would be up there with one of the most essentials. Can anyone shed any light on this. Many thanks:|
  12. Hi Folks. Unfortunately to make ends meet I have got myself into a mess with payday loan companies. I have loans with the money shop, wonga, lending stream, paydayuk and payday express. This month I decided enough was enough. I defaulted on the wonga, lending stream and paydayuk loans on the 25th and will default on the payday express loan on the 27th. I am going to repay the money shop loan this month as its a check based loan and I want to get that one out of the way first. I contacted Wonga, LS and pduk before I defaulted by email telling them of my situation. Wonga
  13. I have set up plans with various creditors.all have different procedures. But 2 in particular insist on doing income and expenditure over the phone which is difficult as companies have different forms. My question is do you have to do the income and expenditure over the phone or can i insist i send it in to them
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