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  1. Hello, back at the end of 2008 I could no longer afford the mortgage on my french and spanish properties, I spoke to the bank but they did not want to help, I ended up handing the keys to both banks. In March 2010 I had a few emails from the french bank asking if the local agent could market the house as they had a buyer, this was all agreed and I didn't hear anything till January 2013 when a uk debt company asked me for full payment. They sent me a full breakdown of costs and they had added 40000 euros in interest late payment fees, court costs etc. I told them I di
  2. Hi, I have a question about last wills and testaments. I am a dual French/British citizen married to a British citizen and we have lived in the UK for almost 20 years. We own a house in the UK (as joint tenants). We want to write a will that will say to whom we want our respective share of the house to go to once we are both dead. We have no children and won't be having any. In my case, I want my share to go to my husband but I want to make sure that when he dies, if I'm already dead, my share goes to my siblings in France, who are French citizens, and not to my husband's family or new par
  3. I've had a student load in NZ since 1996 and never paid anything off. I have lived in the Uk for 15 years and recently I was contacted by a collection companany called CCI representing IRD and saying I owe NZD 36,000 and need to pay now. After advice from a lawyer, I have decided to apply for bankruptcy in NZ. Now, my question is, do I make contact with IRD and/or collection agency informing them that I have applied for bankruptcy as have no way of paying loan back? I am worried they will continue putting pressure on me now they have found out where I live.
  4. I've decided to post this in the Homelessness section, despite there being several issues at once and I need your advice, but mods, feel free to move this to a different section if necessary. My situation: - Just about to become 50 - Have lived in a terrible and dodgy guest house for 2.5 years. It wasn't dodgy and terrible when I went there - When I went there I had a job and a single room. Now I've been on the dole for some time (on and off) and I am forced to share a room with other people. - New people and new staff have come through the years and they have brought... how ca
  5. I intend to get professional legal advice on this as I'm making my Will, but I thought I'd test the water here first. Please don't ask questions about the reasons for my wishes, it is a complex situation and I don't want to discuss it. Circumstances: I own my home outright, I am the sole owner. I bought the house outright with no mortagage and only my name is on the deeds. My girlfriend moved in with me when I took possession and a few months later her son moved in as well with my agreement. They are both named on the Council Tax and have bank accounts and mobile ph
  6. Hi everyone, I need some advice on a credit card debt and a loan debt. I used to live in the UK but left in 2009. I have a credit card debt of £3000 and a loan debt of £11k. Both accounts are with Cabot Financial. I used to pay very little (between £1 and £10) towards the credit card debt, on and off over the past 9 years. I recently got a letter from Cabot saying that they instructed Moorcroft to arrange a visit at my home so that they can put me back in touch with Cabot. I have my address in Poland but am not really there very often. Regarding the bigger loan debt
  7. Hello I was living in the UK for 10 years. I fell on hard times and amassed 15k of credit card debts. I left last year, I am now living in the EU, I am an EU citizen. I do Not own property or I do not have any assets. I have work here self employed in the EU and I have a bank account here. I am renting a decent apartment. I never plan to live in the UK Ever again. I cannot see myself ever being able to pay off the 15k of UK credit card debt. Its all unsecured debt, I know its a civil matter, not criminal. I assume they will try and get An European Enfor
  8. National Living Wage workers set for £600 pay rise from 1 April READ MORE HERE: https://www.gov.uk/government/news/national-living-wage-workers-set-for-600-pay-rise-from-1-april
  9. Today I received an email from PRA Group Dear XXXX Ref 1234567 Capital One Discount Availability: 65% Please note this offer will expire on 15/04/2018 Accept Offer ------ In 2010 I had a breakdown after being bullied at work, and was placed on unpaid sick leave. I managed to make the monthly payments but was made redundant five months later. I got married two weeks later. I was a non EU national and our spousal visa was declined so moved abroad to Spain. I contacted the CC provider as I had PPI, but was told that I wouldn't be eligible to
  10. Hi guys, just a quick couple of questions. 1) Person A owns a house. He cannot live at the property temporarily. He is also signed off sick by his doctor and gets ESA. Because of this, he is living with a family member. The family member is on income support. They get countil tax reduction. What he wants to know is, would he also get council tax reduction on his own mortgaged property as well?
  11. Hi, We are a married couple. We are entitled to tax credits but not universal credit (due to savings). However next week I am going abroad (out of the EU) where we are building a house. We are still a couple but as I understand it with me being out of the country I cannot be on a tax credit claim (even if this would reduce the amount we can claim). I'll probably come back to the UK in September, but that's not yet certain - it could be later but not earlier. Wife will come to see me in August for a month (she works in school so no problem) Apparently UC is bei
  12. Hello I'm new to this forum and have emigrated to UK - I'm a dual citizen. I have left Australia as it was either that or divorce - husband missing his family that he had quite bad depression. I had good job but then got 32% pay cut over past 5 years due to decline in mining, took out credit cards to pay off debts, and then another to pay off etc. Got myself overcommitted and kept making the payments each month on time whilst they got higher and higher, spending over $5000K per month on payments. Substantial debt now of $160K with about 7 credit cards. I was going to make m
  13. hi could anyone please help or advise.... I received a letter form tax credit saying they had information my ex boyfriend was linked to my address. I called them today and they have asked me to provide them with supporting documents to prove he isn't. I also called my ex to ask if he's heard anything or if he knew why they had contacted me, he didn't know what I was on about but he did say he has been on sick and recently started to receive SSP. I'm really worried because although there is no connection between our houses they are saying he is linked to mine. I also very
  14. Hi folks I really appreciate any help or advice given on this debt. I will try to simplify as much as possible so its not boring. Although at first this may not seem relevant but as you will read on it does so. Unfortunately i was abused a lot by my step father for 10 years, until a teenager. Moving on from that weird fact at the age of 18 i found a nice gf and started a business. Due to making really rookie mistakes and my girlfriend at the time taking huge advantage of my generosity I ended up with a failed business, no girlfriend and 30k worth of debt (i live in sc
  15. Please help. I have made a horrible mistake in not informing tax credits that I resumed a relationship with my partner in early 2015 and started living together. I had every intention of doing so but I became dependent on the money I was receiving and it's become harder and harder to admit to them What I've been doing! I have recieved letter asking whether I am living with mr .... (my partner) and to send documents such a bank statements, mortgage statement, car insurance, council tax. My husband is on my council tax as I always intended to tell them he was living with me again.
  16. Good Evening Guys, I've posted here previously and received some fantastic help so I am hoping the same can be done again. My partner has got herself into an interesting situation. She is an NZ citizen who lived in Australia for three years (where we met), before moving to Scotland with me when my Australian VISA expired - 12/14. When she left Australia, she left behind approx. $1500 worth of debt split between a credit card and a mobile contract. At the time we didn't have the finances to worry about it as the move to Scotland was priority. Since 12/14 she has
  17. I am currently receiving ESA support group which i appealed over a year ago and won. I have recently moved back to my mortgaged home ( it was empty due to pending repossession process), I am currently pregnant but we are not together, we have never been in a long term relationship, he has his own property and doesnt live with me, he will pop in on occassions to check how the pregnancy is coming along, we dont get on and know that being in a long term relationship just for a child would not work. The DWP advised that an allegation has been made that he lives
  18. A LONDON property developer is behind a bid to wind up Salford buy-to-let specialist FreshStart Living. Roger Walters, chief executive of Supercity UK which operates three aparthotels in the capital, is chasing FreshStart over a £20,000 deposit he paid on 10 flats at a proposed FreshStart student scheme in Nottingham. He says the scheme is now not going ahead and he wants his money back, but FreshStart insists the development is on track, although it has been delayed. The company was planning to convert a 30,000 sq ft office building at the Victoria Shopping Centre into 157 stud
  19. I swapped the tags in TKMaxx yesterday (30/11). it's the first time I did something like this so don't know what happens next and would be grateful for help. . Got banned for a year from all TKMaxx stores in UK and due to a crime prevention system they operate also from all the shops in the Birmingham city centre. I was told it's the city centre only, but the leaflet seems to say otherwise, I'd appreciate if someone had the same experience and could advise, please. When asked if it means I'll have a criminal record now, the guard assured me it had nothin
  20. Hi guys! I lived in the UK for 2 years and then moved to Australia in 2013. I have since moved to Dubai where I am now living. I got a message 2 days ago from someone who lives in my old house in London saying she had opened a piece of post accidentally that was meant for me. It turned out to be from a debt collection company called Cabot Financial who are chasing £800 unpaid on a capital one credit card (£500 balance and £300 interest). Now I know it sounds silly but I honestly had no idea this even existed. Looking over my old records I see it's a true debt yes and
  21. I have a UK Amex. I have disputed charges via a lawyer on the card which I did not make and Amex credited back these charges then reversed them. The amount is substantial and over £50k I have also had foreign transaction fees added to the account I knew nothing about. They now want payment and I'm refusing to pay as I do not owe them the money. I have lived in the US with a US address on my UK Amex account for the past 6 years. So am not a resident of the U.K. As I'm at a deadlock my account is now due to default soon and I will owe them over £50k. Can Amex en
  22. When I got my assessment report through from ATOS, there are vast problems. The lady nurse, for one, said I was smartly dressed and coped well at interview. Firstly, I wore jeans, and said I did not have time to wash my hair as it was a mess. I was not coping at all, I kept stiuttering and had some difficulty in answering some of the questions, my mum stepped in and answered them for me. I was awarded 0 points, considering I showed her my dosset box and medication and said my partner helped me in and out of the bath where needed, even though I have had rails I can use.
  23. From today, national living wage pays £7.20 an hour, wow, think of what you could do with the money..
  24. All, First great forum, have been reading a lot of the posts on here and finally decided to write explaining my current predicament. A while ago I got involved with a bad investment (i was foolish and got robbed by a false development company) and have been left with a huge bill to repay. I up until now have been paying off all my debt as agreed with the banks but am now starting to struggle as I returned to the UK after christmas due to family issues and the GBP has tanked against the Singapore dollar. I left all my pension money I had saved in an acco
  25. Something came to my attention yesterday.Better just start this off.Shocked me. There are currently 3.7 million children living in poverty in the UK. That’s over a quarter of all children. 1.7 million of these children are living in severe poverty. . In the UK 63% of children living in poverty are in a family where someone works. The Government has a statutory requirement, enshrined in the Child Poverty Act 2010, to end child poverty by 2020. However, it is predicated that by 2020/21 another 1 million children will be pushed into poverty as a result of the Coalition Government’s policie
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