-
Sorting it out: my SOA
I posted an SOA a while back, but it’s come to my attention (mainly through reading my pay-slips properly, instead of just seeing how much is going to get paid into my account every month) that the figure I used as monthly income is out by between two hundred and four hundred pounds. :eek: (I think I used the gross income…
-
Token payments
Have a meeting with CCCS in mid July, in meantime have sent token payments and hardship letters to all creditors. Have also opened a basic bank account to receive benefits (unemployed) as one of my creditors is a bank overdraft. As I don't now have a cheque book is it ok to send a £1 cheque token payment on a monthly basis…
-
Help, Please?
Hello everyone - I have tried the Forum search, to no avail, and I have ME so I haven't the energy to trawl through all the threads individually, so if anyone could help me I would be very grateful. My partner is making repayments to a really inept debt collection agency called Lowell Financial and he wishes to complain…
-
Unsigned agreement
My partner is sorting out her debts and as advised by the users of this site has gone down the requesting CCA's route She has a defaulted littlewoods account which is now in the hands of Mercers Today in the post she recieved a copy of thier agreement but thats all it is, a copy It is not a copy of her signed agreement…
-
CCJ Looming
Hi, i'm hoping someone can give me some advice? I've been on a DMP for a while now, but my largest creditor (I owe them just over £7k) have now got impatient and are taking me to court to get a CCJ. I now feel back to square one and like I did before I started the DMP, sleepless nights - I am worried what the payment will…
-
Letter to my Bank to stop charge
I have spoken to a CCCS councilor today to review my DMP which I have had for 3 months. She said that I need to write to my bank asking that they stop the monthly account fee as I no longer require the benefits ans it is not helping my financial situation with this fee going on each month. I no longer use the account…
-
Fri 12th June "Funky Friday" Daily Chat
Sorry, but that's the best title I can come up with at this hour. :D I'm up and ready for work, I just have to get breakfast now. I'm very confused though. I just checked my on-line banking to see if my wages were in (despite the fact that I wasn't expecting them to show until 8am at the earliest :D ) and it shows a credit…
-
Friday 12th June - What small dfw things have you done today?
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
-
starting from today my debt free plan
hi all just wanted to post my debt free diary i have planned to throw spare money i have accumalated from money saving ideas. i wil list my debt from today and then every month on the same day. i plan to be debt free in 36 months excluding my mortgage and on that day i will start over paying on my mortgage, fingers crossed…
-
Credit Score
HI, i need some advice, my partner has just checked out his credit score, but all my debts have shown up and it said that he is know as me, What should he do? Can he have this taken off, i don't want my mess to affect him, Help and Advise please.
-
Just want to cry!
Hi everyone Sorry, I'm just looking some sympathy today! I never thought my debt free journey would be such an uphill struggle! I was made redundant from my property related job in January and have been doing temp work (admin) part time for the last couple of months. I had a second interview today and dared to hope the…
-
Help needed - confused myself
Hello I am seriously getting confused and I feel I am complicating a simple process. I am in debt and for years I have been struggling to get on top of the bills and debts. I had my lightbulb moment on 1st May this year and felt at last I might get somewhere. HOWEVER I am so committed to paying off the debts - set up…
-
MBNA, no responce, sending letter
Hi there just wondered if i could get some advice from you very helpfull dudes, MBNA have not responded to any of my letter's,all cca request,12 + 2, SAR non of them, so thinking of forcing them to respond to me by sending a letter along the lines of Dear Sir/Madam reference the above account, due to the lack of responce…
-
Halifax - strange policy
I am struggling at the moment to pay all my debts, credit cards, loans etc. Me & My wife have a small business that isn't really bringing in a wage at the moment so we are coping with my salary as I have a full time job. Our mortgage is on a fixed rate but drops in July saving us £150 a month, we also have a loan that…
-
advice please
Does anyone know if your current employer would find out if you went bankrupt and would you lose your job im in legal sector in admin role answering phones,and would you lose any possible redundancy money if you were to take the decision to go bankrupt
-
Help, help, help
Today my partner checked out his credit score, and all my debts showed up, saying that he was know as me. what should he do as it's my mess not his and i really did not think that the address came in to it, Help any advise would be good, Thanks:confused:
-
Do I have to tell my bank I'm on a DMP?
I have an account with a bank that I do not have any debt with, would I have to tell them if I entered into a DMP?
-
BBC Moneybox - Have Your Say: Debt collection
http://news.bbc.co.uk/1/hi/programmes/moneybox/8098059.stm You can respond direct to the BBC on the link above.
-
help re: welcome & vanquis-request for lower payments
Today my o/h has been laid off (finished) thing is the loan with welcome is in my name and so is the vanquis & asda credit card, we have been paying this jointly but obviously payment protection won't kick in because of them only being in my name oh and we also have a car on finance (creation finance) which is in my mums…
-
Buying a car with bad credit
Hello!! I am in desperate need of a new car (well used car - but new to me!!) My is about to die and I need a bigger car. I have bad credit and am working to clear it. Is there anywhere (car dealers etc ) where I can get a car? I have mine to exchange or sell for approx £1500 and want to buy a car for about £3-£3.5k.