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About Me


Found 8 results

  1. I will be concise as this is not a confessional, if helpers need more information I will respond promptly. I am 67 years old and have seven creditors, one with CCJ. I followed the advice of CAG and offered what I could, a token £5 a month to each. These payments were set up and have run without apparent fault for about seven years. Since doing this I was evicted from my home of sixteen years (the reluctant CCJ with a very patient landlord) and had no valid postal address for some time. In 2013 I had to move to Germany for family reasons. My only income is my state pension and a very
  2. Hi all I've received a rather threatening letter from Restons Solicitors, I'm hoping you can assist me with my problem. Resotns solicitors been instructed by their Client Hillesden securities limited. I have received an n30 Judgement for claimant Resotns solicitors been. I believe it relates to a car finance agreement I had with Black Horse back in 2000 the Car price was £12000 to be paid over a period of 48 month. After few month later in year 2000 due to financial problem I wasn’t able to keep my payment of the monthly instalment to Black Horse. Black Horse dec
  3. Hi all, I don't want to unnecessary create a new thread but I couldn't find anything specific to my issue. I currently owe £82k as below: Original Creditor (Debt Collection Agency) Amount Owing HSBC Loans (DG Solicitors) £11,439 Sygma Marriott Card (Moorcroft) £8,266 Lloyds Loan (drydensfairfax) £14,664 Lloyds OD (Moorcroft) £2,658 Halifax OD ( Moorcroft) £292 Halifax MC (Robinson Way) £493 Barclays OD (Credit Solutions Limited) £11,669 RBS Loan + OD (Zinc Group Limite
  4. Could someone please explain the pro's and con's of making these payments. Does it improve my credit record etc. The account was defaulted about 6 months ago, and I have very little chance of making meaningful payments due to long term ill health. Making these payments on time mean no hassle for a few months, but am I just delaying the inevitable - account being sold on and on....... If the account is sold on, is there a way in which the token payments could be a condition of the sale. Don't know how to explain it better but I'm sure you will understand what I mean.
  5. Hello all! Hope someone can help me. I've been having an ongoing dispute with Very.co.uk about my payments as due to a huge change in circumstance (serious illness) I am unable to keep up the payments. I have tried to reason with them and sent them all my medical evidence, but to be honest they were heartless b**tards and I have now referred the case to the Financial Ombudsman. I didn't know if I should suspend payments in the meantime (especially due to how rude they were) or keep making them. The person with whom I had the correspondence at Very said they would
  6. Hi there I am a 23 year old student with around £10,500 debt, not including student loans. I spoke to a Stepchange debt advisor who said that I am eligible for a DRO but that she wouldn't recommend it due to my age, as getting credit for the next 6 years would be impossible and as I graduate in a few months and may then get a job, it could end up revoked. I saw her point and I agreed. She suggested instead to make token payment of £1 a month until my circumstances change, t hen set up a debt relief plan with them once I am earning. Over the course of th
  7. Hi, I am new here although have searched this web site many times and helped me to make huge strides into my debts. Firstly my position is as follows. I own a property but is rented out and have moved back home in order to ensure the mortgage is paid, i also have a secured loan. both my mortgage and my secured loan are fully up to date. I basically got into debt around 4 years ago and buried my head in the sand for a long time, last year i started to deal with things as the constant harassmentand letters were getting too much, and i was concerned about the security of mypropert
  8. Hi - I hope someone can help! I would be very grateful for any advice on this issue. I am probably going to have to apply for a DMP with one of the free charities, because I have lost a chunk of income and can no longer meet my minimum payments to creditors. But I want to delay the process by up to three months, as I may be able to recover that income in that time. In the meantime, I have contacted creditors explaining the situation, and asking for them to hold action and accept £10 a month token payments. All of them have been prepared to do this so far - apart from th
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