Hello all
I received a letter today from Shoosmiths giving me 14 days to respond before they begin court proceedings regarding a debt.
I'm going to be completely honest with you all.
The debt is £4.5k, owned by shop direct group (Kays catalogue now Littlewoods.com)
I believe the debt may be my own. It was £2800...however I entered a DMP with CCCS in Jan 2011, and they continued to apply interest for around £105 per month whilst payments were made of £5 per month.
The debt was passed from numerous DCA's to Capquest. I ignored them.
I own a home, currently in arrears on my mortgage too, it appears once you're in financial difficulty you're never out.
Years ago, I had a credit card debt which went to solicitors called Bryan Carter solicitors, and the citizens advice bureau got lots of help from your website so I thought I would come directly to you instead of waiting months for them.
I'm terrified. I've checked my credit file, and there's no default, no entry about this account or this debt. None whatsoever.
Guys, my boiler broke down on Thursday and I've since been without heating or hot water. I have a baby on the way (not planned), and a husband facing redundancy after just two years of employment. To say I'm stressed is an understatement.
I hope you can help me.
I received a letter today from Shoosmiths giving me 14 days to respond before they begin court proceedings regarding a debt.
I'm going to be completely honest with you all.
The debt is £4.5k, owned by shop direct group (Kays catalogue now Littlewoods.com)
I believe the debt may be my own. It was £2800...however I entered a DMP with CCCS in Jan 2011, and they continued to apply interest for around £105 per month whilst payments were made of £5 per month.
The debt was passed from numerous DCA's to Capquest. I ignored them.
I own a home, currently in arrears on my mortgage too, it appears once you're in financial difficulty you're never out.
Years ago, I had a credit card debt which went to solicitors called Bryan Carter solicitors, and the citizens advice bureau got lots of help from your website so I thought I would come directly to you instead of waiting months for them.
I'm terrified. I've checked my credit file, and there's no default, no entry about this account or this debt. None whatsoever.
Guys, my boiler broke down on Thursday and I've since been without heating or hot water. I have a baby on the way (not planned), and a husband facing redundancy after just two years of employment. To say I'm stressed is an understatement.
I hope you can help me.
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