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hsbc debt advice
Dear All Hope someone can advise regarding my daughters situation. She had to resign from full time employment due to a relationship breakdown to care for her family. She is in debt and owes money for a HSBC bank loan, and credit card. She is also over drawn. She has informed her bank and is in the process of offering a…
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vodafone default help
Hi all this is a long story so I'm going to try and shorten it and get to the point. So originally I had a Vodafone contract and I went into the shop to speak to someone about an upgrade and before I knew it they signed me up for another contract and gave me a new phone but this meant I would have two contracts running at…
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on verge of a breakdown
Bit of background....my partner and myself owe a lot of money. We are dealing with them separate.as any sort of DMP formal or informal would effect my job . He is going to approach a Debt Charity about his so only my details below. Household expenses are my half, car expenses are mine....we have two cars as need them for…
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Pls remember Debt-Free Wannabe's for support and help not judgement
A reminder to all, this forum exists to give help and advice on all debt matters, to anyone that may benefit from it, any posts that do not conform to forum rules will be reported/deleted. The majority of you on here are fantastic, and are a credit to the site. Dear Money savers..... Debt Free Wannabe is one of my favorite…
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Lowell solicitors have sent me a Claim form
I have been sent a claim form by lowell solicitors for an unpaid 3 mobile bill. It was from ages ago and it's for a relatively small amount. I thought I had cleared the bill in full before I left 3. I am keen for lowell to follow due process on this. Just wondered what my rights are? Thanks
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help with debt
Hi all. I am hoping someone can help me and get my debt gone!! I was coping ok, but now I am a carer to my son and I am not working. I am constantly in my overdraft and I am only paying the min payment on 3 credit cards. I have just applied for a loan with my bank (tsb) and computer said NO. I have just opened an basic…
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advice and guidance needed with regards to debt
hi there, So I've been struggling with debt for quite a few years and been burying my head in the sand. But ive admitted to my partner about how much i owe and starting to address it. Currently i owe £2703 in council tax arrears £86 to akinika for scottish power £147 to EE £270 to Capquest for catalogue debt £1790.63 to…
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How does the scrappage of overdraft fees affect me?
So Lloyds has come out to say they are changing the way they charge unplanned overdraft fees. If I have a sum of money owing to them due to their previously excessive fees, would this amount change once they've brought in the changes? The new charge is meant to be 1p a day which would mean my amount would be substantially…
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Old debt & impact on credit rating
About 5/6 years ago I was in all kinds of debt, lost my job etc. I have been working to pay everything off and rebuild my credit rating. And nearly there on the former, still some way to go on the latter! Anyway, I have an old payday loan which has a default date of January 2012, so is due to fall of my credit file in 6…
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Got 60k need help!!
Hi Guys, I have 60k sitting in my bank at the moment and I am unsure of what to do with it; I have two mortgages, one my primary residence which I have just re-mortgaged and have a good re-payment deal on. The other is an IO on a flat that I rent out. I am most likely (dependant on the market) going to sell the flat…
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link for soa
can anyone give me link to SOA pelase, have tried to find it and cant
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Bailiff help - urgent !
I have been in an arrangement with Rundles to pay arrears of council tax at £50 per week - I've paid £650 in all - unfortunately due to unforeseen circumstances and being a busy mom of 4 I forgot to pay last week - fast forward to today and I've had a letter hand delivered saying I have to pay today - and just received an…
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Best plan of action .. Morg renewal next year ?
So guys .. A couple of month ago I was thinking of getting additional borrowing on my mortgage to pay off cc bills but after getting your advice and a good hard think I decided to just plug away at the debt without the further borrowing. So I have managed to pay off 2 cards and only a few hundred on another, however I do…
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Help needed please!
Finally plucking up the courage to post my SOA. For the entertainment, groceries and clothing sections I have gone through my bank statements and taken an average for the last 3 months. I have all 3 credit cards on 0% balance transfer deals but only pay the minimum. I really want to start paying off more but am stuck in a…
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Need to tell Bank about mental health problems and am v scared
Hi, OK. I'm thanking my lucky stars that this forum is anonymous. Basically, when I moved from my last town to this one, I was getting so many phone calls from the bank that I just could not handle speaking to them and hearing their questions about when I would be able to get my business loan payments up to date. I had no…
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Hard bit done now what
Hello so finally got old debts under control Personal loan of 4k, credit cards amonting to 6K) Started repayment plans on all of them and have set up standing orders with them which makes my finances much more doable and living comfortably (still tight) but no longer spending more than whats coming in 27 now and one of the…
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5+ year old npower debt - but it's incorrect
Hi, long time lurker, first time poster here. In March, I received a letter from 'Past Due Credit Solutions' (PDCS) asking for £489.40 (original balance £349.57) for an npower electric bill. It didn't list the dates or anything. I called them and the advisor put in a request through npower for documentation. In April, I…
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why have halifax sold on my debt?
I received 2 letters from the Halifax this morning informing me that my debt has been sold on to a group called pra ... but I don't know why as I was sticking to the repayment agreement? bit of background - I was a specialist nurse but left my job due to intolerable long hours, increasing stress and increasing workload,…
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Bad Credit & Mortgage Equity
So, after many years of careless spending, my wife and I entered into a joint DMP in 2011. Accepting the risk of having our credit rating destroyed, we sought to get our outgoings under control and start reducing what we owed. The plan worked well for about 5 years (£24k of our £47k paid off over 5 years). The plan came to…
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Non UK resident with UK debts
After moving to france i still have UK credit cards which I have to transfer money to pay every month. As the 0% transfers are now coming to term i would like to try and consolidate the debt into one monthly payment. I am unable to get a loan in france for this purpose and as i am no longer a UK resident my options are…