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About Me


Found 10 results

  1. Hi all, Just looking for some advice on what I should do going forward. For the record I am a resident in Scotland. I have accrued around 47k of unsecured debt among six creditors in the UK. 1 Ratesetter £23.8k P2P loan 2 Barclaycard CC £4.9K 3 Tesco Bank CC £5.9k 4 Virgin Money CC £6.2k 5 Hitachi deferred payment £4.5K 6 V12 Secure Trust Bank £1.8K I am now at a point that I am about to start missing payments and will end up defaulting. I have spoken to step change who have recommended a DPP under the Debt Arrangement Scheme as I have a flat with equity that I w
  2. Thank you very much indeed in advance for any help anyone could give me as I am VERY worried I am going to end up with a large bill / CCJ I have no way of paying. Completely out of the blue around 6 weeks ago I received a letter from "1st Credit " based in Reigate saying that they were going to apply for a " stay " to be removed on a court case for a debt they were chasing me for back in 2015. This relates to a credit card that I opened in Feb 2000 (!!) - the last payment towards the debt of £25.00 a month I paid back in Nov 2011 !!! 1st Credi thought the debt on 18th Nov 2013 a
  3. Hi guys, Wonder if you can help with a couple of questions I have regarding our housing situation. We have been renting the same property since 2002 via a private landlord and rent payments were made direct to them as well as arrangements for any issues that arose with the property. During this time the rent has remained the same so no increases as our relationship with them was very good. Sadly due to ill health they have now instructed a Letting Agent to manage the property as they do for others they own (ours stayed a private arrangement up till now) an
  4. hi I got a parking fine . .however as the registration was wrong.. ..i ignored it .. .. it was AB50 CDE instead of AB55 CDE for example sake. yesterday i got a letter from the private parking company asking for fine amount + the late fees etc etc...so its like around 100 pounds now... Maybe they managed to trace me from DVLA record............... What are my options here!!! Pay the fine ?!? Dispute it being the incorrect number !!! any advise will be much appreciated... Cheers Numpty N
  5. Ok.. Im in a self managed DMP after an attempt at a DMP with stepchange failed..My creditors have all accepted my offer of £5 a month each and its being going fine for 6 months untill one more debt turned up I had forgotten about.. This debt which was a £52 payday loan had become £181 and although they accepted the £5 offer I looked up the original paperwork and found that the last balance with the original firm ( Ferratum ) was £92...but since being sold on had virtually doubled to £181... This led me to having a look for other paperwork and on my credit file and I discovered that appart
  6. Hi there, I have a Lloyds TSB Credit Card debt. Until 3 months ago, they were happy to recieve payments via my DMP Payplan. Despite that, they havent actually written to me for 2 years. No sign of being passed to a DCA. Now my PayPlan account is closed as I have decided to deal with all my creditors myself. Not sure if I should just wait to hear from them or take some other course of action? The outstanding balance is confusing because of PayPlans shoddiness, and my over-reliance on them. For example, I have another bank a/c debt with Lloyds. Payplan said the outstanding wa
  7. Hello, we see many complaints on this site about HSBC Managed Loans, but very few outcomes are posted. Is this because, No one is successful They impose a confidentiality agreement in the settlement Complainants give up They send the "Boys" round ? Just a casual enquiry before we start our own compaints process.
  8. Hi, Please can anyone give me some advice. I had to take on my violent ex boyfriends debt in July 2007 to get away from him and it was for £23,000 in the form of a managed loan by hsbc (very helpful of them!! not!!) The loan was 13.3% and variable. payments are £316 a month I have been paying this loan for over 6 years now and the balance shows as £9.916.89 today. During moving I lost the paperwork for this and the bank have also now admitted they have lost their agreement also. My question is I cant remember how long the loan was over and the bank
  9. Just received a letter from them this morning which said application for ccj on the top of it. I wrote to them a couple of weeks ago stating i will pay them £40 per month as this is all i can afford and they havent even acknowledged a word i wrote . Looks like they are going for a ccj. My other payday loan with wonga is also not going anywhere. The recorded delivery letter i sent offering installments to the dca they have appointed was returned even though i double checked the address i sent it to. My DMP with cccs is due for a review, i know now that i shouldnt have taken these payday loan
  10. Hi I wonder can someone give me some advice. In 2006 HSBC gave me a Managed loan to consolidate 2 credit cards and an overdraft and I pay this monthly and have done since 2006. I contacted them regarding the balance on this account as I had been paying this for 6 years and thought it may possibly be nearing completion. To my shock I found out that I had not even paid 50% of the capital off and thought that I should have paid off a lot more than that. I then asked for opening balance figures etc and on my calculations the loan balance should be around £3000 less than the fi
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