Dealing with debts & debt disputes

A question about : Interim charging orders

Hi,

In January my house was repossessed and was marketed on behalf of GE Money by Bridgefords. In may they managed to sell the property and Simply law who are acting on GE's behalf have now transferred the surplus funds to the second charge who bought the original debt from British credit trust. So technically my BCT debt is now clear but there is still surplus funds left over.

A question about : National Insurance debt collection?

Hi all. I've just received a letter from APEX Credit Management referring to an 80 quid unpaid National Insurance contribution. I have been on PAYE for 7 years and have had no notification whatsoever of any unpaid funds so am reluctant to pay anything.
Two questions, is this going to affect my credit rating and what is the correct way to deal with this?
Thanks all.

A question about : Brother in debt using our address

A question about : Disgraced & ashamed of myself!

Firstly I would like to say that I find this so hard explaining considering, I’m ashamed of myself for getting in this mess in the first place.

Around a year ago, I started showing signs of depression, To me, I was “normal” It was others around me that noticed that there was a huge change in my behaviour and that I was shielding myself away from reality. Although I say I felt normal, I did feel like I couldn’t keep up with the everyday life, IE paying bills, Controlling our money ect.

A question about : Virgin media problem

My daughter has recd yet another bill from VM for this months services even though she has had all her services cancelled by them 3 months ago, her contract with them ended 5 months ago, why & how can they still be charging her over Ј50.00 per month still.

She is a single mum, out of work with serious mental health issues & this isnt helping.

Any help/advice greatly appreciated.

Jules

A question about : Email threatening debt collection agency

A question about : Friends debt

My friend has gotten herself in an awful mess, and on reading the various forums on here it seems a DRO is her best option.

She was declared BR in September 2008 and discharged in February 2009 and had started getting some nice green ticks on her credit report, but now things have gone a bit haywire.

A question about : Debt collection agency problem

Back in April i was given a 'grant of time to pay' from HMCS for fine of Ј275 for an old vehicle offence. I agreed with the court to set up a direct debt of Ј20 a month until the fine was paid. I asked the court for a standing order mandate form with their account details to set up the payments. A month had passed and i hadn't received the mandate form so i contacted HMCS and they told me the fine had been passed over to a debt collection agency due to no action from me to arrange payment.