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Dealing with Debt / What is success?
« Last post by RicardoRhind on Dec 12, 2018, 04:20:47 PM »
All this talk through a tunnel
of kid gloves and landmines went underground.
You were communicable my limbs
in sequels and spoofs, commemoration my organs
with friends lost, whose names like patients’ names.
Our clumped covet stirs and how
when unwound, as with DNA, it sweetly wounds us.
Wish in the right locale, you said, is upon misplaced
or no desire at all. But I clout, in my dreams I day-dream,
in my dreams I do not hope.
Where were you when was I? Counting down
the decades for the receipts as casualty of our anterior to war.
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Dealing with Debt / Ex-housemate ran up debt in my name
« Last post by mooneus on Dec 11, 2018, 10:50:42 AM »
About 3 years ago I moved into a houseshare with someone I didn't know. It's fair to say we didn't see eye-to-eye - we were just 2 completely different people. I moved out in April 2015 to a different place. Around Nov/Dec of that year I got letters in the post saying I owed a catalogue order company £2,000. I had no idea what this debt was for and rang up to enquire. All my personal details were correct, e.g name/DOB. But the contact details were incorrect - it looked like someone created an email address to sound like me. I queried when the orders were placed and they confirmed it was after I left the property.

The debt collection company tried to argue that I had still placed the order, but after escalating it and being able to prove I was no longer living at the property the case was closed. However, it still remains on my credit report.

I'm just thinking 3 years on and now that I'm a bit older and wiser. Is there something I can do in order of compensation? I have no way of 100% proving it was my ex-housemate who ran up the debt, but realistically who else could it be? But up until now it seems like he was gotten away with it. Legally would I have a leg to stand on if I challenged him? I know he's not a wealthy individual, so would it even be worthwhile trying to salvage something from it.
Dealing with Debt / Re: Wifes Debt
« Last post by Scrooge on Dec 10, 2018, 06:56:37 PM »
Hi, you cannot be pursued for her debt as long as it is in her sole name. An IVA is normally set up to repay multiple creditors. Have you seen the paperwork for this IVA? If she has ran up this large debt on 1 card, there is very probably more debt if she has other ways of obtaining credit. I think you need to find out whether there's more debt or not. Do you live in England? The law is different there from Scotland. In England they can take Court action and send baillifs round to attach household goods. Saying the goods are yours may not be enough to stop them, you need receipts as proof they belong to you. If you do get threatened with Court action, move anything of value such as cars/TVs/jewellery/laptops/tools etc they could seize to another address.
Dealing with Debt / Re: Bankruptcy
« Last post by Scrooge on Dec 10, 2018, 06:51:51 PM »
Hi, nobody can answer your question without a lot more information: IE where you live, what the debts are, how much they are etc etc. Bankruptcy may not be the best option. It depends on multiple factors, including whether you have assets or not. The worst thing you can do is 'dither', you need to find out what your best option is asap and do it, because if you wait too long you're giving the creditors time to get on top of you. Then you may not have any options!
Over 104,000 views now, well done everyone! This must be turning the tide against this despicable system. ;D ;D ;D

Dealing with Debt / I just want to say hi
« Last post by RandyRaw on Dec 04, 2018, 08:46:34 PM »
hi I just want to say hi, I really love this forum! Have a great day
Dealing with Debt / Bankruptcy
« Last post by mikemitchell on Oct 23, 2018, 06:10:36 AM »
Hi All,[/font]
I have been under major threat from my creditors, as I fall behind my bills which got due for couple of months. How can I get rid of the debt?[/font]
Dealing with Debt / Wifes Debt
« Last post by Soko on Oct 04, 2018, 12:33:36 AM »
I have just found out that my wife has run up some credit card debt. The total she has owned up to is approx. £12k  This is not the 1st time and on previous occasions I have paid the debts off.
She has no way off paying this debt off.  She has a small income of £70/week. There are good reasons why she cannot get a better paid job. We live in rented accommodation and we both have little of any value. I have some savings but refuse to see my hard earned cash disappear. I presume the Card companies cannot force me into payment or take away anything that I have purchased.  She has made an IVA of £120/month to one company (£10k of debt) She now contributes zero to the household. What do you suggest? my worry is she has more.
Dealing with Debt / Where to?
« Last post by Blackmog on Oct 02, 2018, 09:57:11 PM »
Income and social status higher income and social status are linked to better...
Dealing with Debt / Can i?
« Last post by Blackmog on Oct 01, 2018, 05:53:26 AM »
Correctbfeedbackbbrbrfalse the attraction of this conception of health is that...
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