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DFD confirmed! Not as bad as i thought....
Been here for about a month now (properly posting, not just browsing), alredy budgeted and taken cash only route. But todays surfing inspired me to look into each debt. SO.... I transfered a loan at a fixed rate to my EGG card - not BT! and no early repayment fees!:j I had already opened a virgin 12mth interest free last…
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FAO shopsalot
hey there just a quick question. how do you transfer your loan onto an egg card? i asked if i could transfer my graduate loan and they said no. any tips?
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getting it off my chest
well where to begin, like so many of you out there it started about 16 years ago when i popped into HSBC in my doc martins and baggy jumper to ask for a student overdraft, fast forward a couple of years and i've started work and am having a ball,,all on borrowed cash! Whizz into the noughties and i have a successful…
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Letter about full & final settlement help
Hello all I'm quite new here & posted once about a query on a house that was repossesed. I'm trying to find out what total I can negotiate as a full and final settlement amount on the reposession, as at the moment it just seems never ending & if I could just have an end goal in sight I would know where I stand. Basically…
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Effect of debt on spouse?
Hello, I am hoping to get some advice for my Mum here. She married my step-Dad about 5 years ago and at the time knew nothing of how much debt he had but as time has gone on it's become apparent that he is severely in debt. He is in touch with the CCCS and has an arrangement with them but it seems he is still getting lots…
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Help please! Advice about a debt collection agency and their solicitors!
Hi. My partner currently has approximately £160,000 in unsecured debts due to the failure of a business. We both work and are determined to try to repay the debts as much as possible rather than to consider bankruptcy (although it has crossed our minds quite a few times!!). We are slowly managing to pay off the debts but…
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CSA, Tax Credits and Debt Problems! Anything else out there?
Does anyone else ever feel that when you work hard, abide by the law and do the best that you physically and mentally can that this world is not being fair in return? My ex-husband is declaring poverty to the CSA when it comes to paying for his only daughter. The CSA states that he does not have to pay a penny yet since…
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Have you visited here as a result of a Council Tax officer in Eastbourne???
I'm just curious as I've sent a few people this way whether anyone has actually visited!!! :D
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advice on ringing bank about charges need a verbal prompt
ok my co op bank have really hit me hard this month! last month i couldnt pay a dd which im almost certain i cancelled online so it didnt go out the following month (changed it to a different account) but it did go through taking me over! ( the charges are applied on the 28th of the month my funds dont go in until the 1st…
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Help! Debt collection agency problems
I have a debt that has been passed to a debt collection agency and made arrangements with them to pay a set amount on the 16th of every month. However they took the money from my account on the 1st and it has left me in somewhat of a financial mess. I phoned them and asked for a refund. They said not a problem but it might…
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What I have done since posting on MSE.
I thought I would write a positive thread to keep those who have read my earlier threads up to date, I do not post every day but I do read the forum every day. So here is what I've done since my 1st posting on MSE based on the advice from the site as well as all you great people. I have swapped to Alliance & Leicester…
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Actually had a Collections Visit!
I actually had one, and I am shaking. I was good girl - from lots of threads and posts here, I did not open my door (I check ALL callers now before I open the door) and spoke to him through the Window. All I said was to put it in writing - he said he has - I mention No, not just for me to call you as I will not speak to…
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Opening new bank account - advice please!
We need to open a new joint account after starting to sort ourselves out with the help of CCCS - had our session yesterday and now waiting for the pack etc. *STOP PRESS* It's just come through the door!!!!:T Are we right to look for a joint account? We are planning to embark on a joint DMP and feel this would be the best…
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Brill news about my bank charges
Hi Guys The postmans just been and im wearing the biggest smile ever. Ive been reclaiming my bank charges and one for Studio cards and gifts I have sent them a single letter and hey presto not a cheque but £180 of guft vouchers through my letter box. Yes id have prefered a cheque but thats all my xmas pressies paid for and…
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Experian Report Help Please!!!!
Hi There about two years ago i received a default notice with regards to an RBS credit card i had, basically i got lazy and was stupid but i have since changed my ways. As soon as i received the default notice i called RBS and made an arrangement to pay which i have stuck to for the last two years and have never missed or…
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NEW OH and 34 yr DMP
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6 year old debt help
I have a debt that I haven't paid since August 2000. I have received approx 3 letters from different companies since that time, the last one being from approx a year ago. I responded to NONE of them. Today I received a 'postcard' from a company call Hunter Forrester & Co which are based in Worcestershire which says...…
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bank charges...and loan ..advice please
hi.. just a question that maybe someone could answere for us please... bacically we had our own business when finished 2 years ago we were in business for 5 years.. but do to the lease we could not opt out so had to stick with it.... that's why we are up to our eyeballs in debt ... first of all i did not know the extent of…
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75% of Debt Wiped off?
Hi guys, Whilst listening to the radio today I got the last bit of an advert. They said that due to new government legislation upto 75% of your debt can be wiped off and your interest frozen? Can somebody explain this please. Where's the catch etc? TIA Spikey
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Seriously considering selling up and renting
thread delted