23 May 2015

New product,same lender whilst on dmp?

A question about : New product,same lender whilst on dmp?

Hi all

Just wondering, I have been on a DMP just under a year and my mortgage deal is ending.

We are with halifax, on a 6.29% rate. I understand if we do nothing, we will automatically go on to their SVR which is 3.99%

Halifax have a much cheaper deal than the SVR, can I switch to this or will they run credit checks and refuse? It is the same lender and we are not borrowing any more?

23 May 2015

Back again.... And in even more trouble.....

A question about : Back again.... And in even more trouble.....

Hi all

I have been on a DMP with step change for the last 4-5 months. Things were going very well at the start, my finances were getting back in order and the stress from debtors contacting me constantly was gone.

About 2 months back my car had to have major repair and i had to take out a payday loan to cover the cost. I had to do this as i need my car for work and i would not be able to work without it.

23 May 2015

County Court Claim on old debt

A question about : County Court Claim on old debt

Hi,

my husband has received a county court claim form for an old debt that we believe may be statute barred.

as per advice from step change, we have written to the company in question saying we don't admit liability and asking for proof that its not statute barred, but the debt in question does not show up on his credit report anymore, so is the debt still enforceable?

thanks

23 May 2015

pay up or hold my ground !!?!?!?!

A question about : pay up or hold my ground !!?!?!?!

hi guys need a bit advice , i have a small car business that doesn't earn a particularly good wage, my one and only parts supplier whom my self and my father had been loyal to for over 18yrs went into administration a couple of months back ,

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