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  1. Hi, This is my first time on here so sorry if this is not in the correct thread. I took a loan out in my partners name in 2015 and he's only just found out. I had a massive gambling problem then, I have tried repaying some of it but my debt spiralled out of control due to the gambling issue and I've stopped paying it! I just need some advice on how to fix this? I know probably some people will judge me for what I did and I suppose it's fair enough but any advice is appreciated. The loan was for £2200 taken with AvantCredit, they did not ask me to prove my identity either, that
  2. I have seperated from my partner ex partner just over a year ago and some how I'd allowed her too put all of our debts into my name. Shock horror when we split up she stopped paying for them and I today had a bailiff call from Andrew jones enforcement. They've apparently sent out 6/7 letters too my previous address but I have only received one at this address. today he visited and has told my partner if I don't phone him within the hour he is going too be back too arrest me. Firstly the debt is £410 from council tax. The original amount owed was £80. I have
  3. Hello. Posting this on behalf of my friend. Sadly, a few weeks ago, his wife died due to cancer. They were a married couple. During the marriage, she took a loan from barclays and had a ISA with them too (roughly about 5 grand savings in there). My friend phoned them up to ask about what's going to happen with the loan after she passed. They said he will not have to pay this loan, but it turns out they've used the money from ISA account to settle some of it. My question is - is this a legal process ? Thanks in advance for your help guys.
  4. READ MORE HERE: https://www.gov.uk/government/news/dwp-announces-extra-support-for-armed-forces-spouses-and-civil-partners-to-help-protect-their-state-pension
  5. I have seen this question come up on several forums. The bailiff can enforce and take control of goods belonging to anyone on the liability order. The council tax regulation state that a summons for a liability hearing may be addressed to two or more joint taxpayers in joint names. The TCE permits enforcement of more than one individual on a single enforcement power. So it is a matter of looking to see who the summons is addressed to, or alternatively whose name the bill is in. DB
  6. Hi Guys. I'd be grateful for some advise please. I split with my ex partner and the house was sold. Prior to completion I was advised by my solicitor that there was a Charging Order on the house for my ex-partners HFC credit card bill for £1330, and that this money must be deducted from the equity. I didn'teven know that my 'x' had the credit card and suspect that it dates back prior to our relationship or almost definitely prior to us buying the house seven years ago. I also suspect that he never bothered even going to court to try and sort out the problem (whenever the court case was?)
  7. Hello all, Firstly I would like to say what an amazing forum this is. I got out of debt, I've now got a mortgage and new house ready to move into. People need to realise there is no quick fix for credit files. Now, my partner. We are in no way financially linked by the way, no joint credit, accounts etc. She has a terrible mess of a creit report which I want to help her with to get back on track so she can get on the mortage. Debts with, amount owed etc are: Next Directory, £121 Defaulter on 18/04/14 Lowell (Very), £183 Defualted on 07/01/14 Lowell (Kay and Co), £3
  8. Hi, I have just found a website for the above company which looks interesting, does anyone know anything about this company please e.g. what is their reputation like and do you know anyone who has had any dealings with them? Thank you Maybe
  9. I paid a fine with the court for £145, albeit a few days late. For a speeding fine. My partner has his car clamped by the HCEO for an outstanding amount of £310. How can it be so high? He has to prove he is the owner for them to remove the clamp but say they will do so today. The car isn't mine but has been clamped because of the fact I owe £310. What can I do?
  10. Hi, I am posting this on a few of the Shop Direct posts as I have been working on 3 claims on behalf of a relative and want everybody who has been charged by them to reclaim their charges and all applicable interest as these are possibly the most arrogant of all the companies I have dealt with and will firstly refuse your requests and then as it goes on breach the court procedures and ignore the judges requests until they ultimately settle as of they have no defence and no desire to go in front of a judge. The final outcome on the claims is posted below as the e-mail sent to me for my r
  11. Hello This is just a little warning for anyone searching for information on the following three companies.harrington jones limited, cobley johnson partners ( cjp) and consumer claims ( consumer-claims dot com) They are all sening letters to people fishing for work, they are not including their fees and cleaverly miss out vital pieces of paper work where these fees are contained Do not sign any letters of authority from any of these companies hopefully people searching will see this and be warned.
  12. Can someone help with this Today cash genie took out £170 from my partners bank account for an unpaid loan last year. The money was actually mine and was two weeks benefit money that I had asked the dwp put into her account as I do not have one and they will no longer pay by Giro Cheque. Natwest bank won't act and the loan company will not reply to my E-mails. Where legally do I stand ?. Thank you
  13. Hi, Starting separate thread for each debt per DX's advice:-D CCA request printed & being sent Monday, then need to get started to see if anything to reclaim.... This is being chased by KPR debt collection & have already made an offer for reduced full & final......
  14. Hi - thought I posted yesterday but seems to have disappeared.... Am currently self employed after losing my job a couple of years ago, things have been very slow & ive been unlucky with losing a big client that was 50% of my income. Have been robbing Peter to pay Paul, but things have come to a head & we need to take control before they really get out of control. My debt Nationwide - £4500 Capital One - £250 Wonga - £1000 Patner debt Nationwide - £2500 Virgin - £2900 Barclaycard - £2500 We cannot meet all the minimum payments each month, if I se
  15. Hi, so just after some advice really~ My partner and his ex split up around 8years ago (she decided to kick him out and moved some other bloke in) They have 2 children together, daughter who was around 5 and the son around 2 at the time of the split. Since then my partner has paid money to her either cash into her bank account or bank transfer. When myself and my partner got together we continued to pay her money (usually paid in by me or transfer from my account to hers). Unfortunately along the way we became unemployed and the CSA took money from our benefits all the time
  16. Firstly my apologies if this is the wrong place to post this as i'm new and this is my first post. My partner has worked all his life and was in his last job for 8 years, around seven months ago he had to take time off due to sickness, severe anxiety/stress, so was on ssp for 3/4 months in around that time he started getting accused of stealing from his empolyer and they even came out to our home and inspected every part of it, but did not find anything !! a few days after they sent a letter saying that out kitchen looks like one of their kitchens and that they will b
  17. Millions of Britons fail to tell their partners of their outstanding debts, savings or investments. Twenty per cent of Britons - or 6.2 million of us - have debts that they have not disclosed to their partners. The average value of these outstanding debts is £9,546. Other financial skeletons include hidden savings and investments, with 4.3 million people admitting that they have private nest eggs of savings and investments kept secret from their other halves. On average, these concealed finances are worth £2,004. According to a survey by Prudential which examined the attitude towards fina
  18. Hi all, can anyone help me please as I am feeling slightly unfairly done..... My hubby is a fulltime student and he receives students grants,loans etc. We have 3 children aged 11, 9 and 9mths. We currently receive child tax credit and have been advised that the only help we can get benefit wise (apart from housing and council tax benefit) is if I was to make a claim for jsa- as I would have to be available and looking for fulltime work I have not claimed. I do not feel I want to go back to work yet and especially not fulltime. Now this is was narks me slightly...If I was a single parent I wo
  19. People in relationships are keeping as much as £41bn hidden from their partners across the country. Britons are sitting on a secret mountain of debt that they are keeping hidden from their partners, and women are more likely than men to owe more and keep their finances under wraps, a study has suggested. More than one in 10 women (11pc) said they hide their debts from their other half, compared with around one in seven men (15pc), the Co-operative Bank’s Modern Families and Households report found. It estimated that people in relationships could be keeping as much as £41bn hidden from th
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