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DMP Creditors percentage calc
Hi all Is there a DMP creditors calc so I can simply enter the amount left for my creditors, my creditors debts and it shows me how I should split it without having to enter all the other details about my finances too? Failing that. whats the formula I should be using? Debts was paying£5604.71 £34.80£6004.29 £40.00£4456.83…
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SOA - Please Offer Advice
2 adults in household. Currently both in separate DMP's with a company who is charging a fee. Trying to re-calculate monthly income & expenditure for one adult whose debts are £10,000 as DMP company are asking for up to date figures. Figures provided may seem extreme / high due to current personal issues and additional…
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Reply to a CCA request
I am currently on a DMP with Wescot, I have however requested a CCA however the reply received is that I should write to CCA Request s Card customer Services ..... shouldnt the Wescot who own the debt have to provide the actual CCA? Could someone advise if that is the case?
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Past due credit solutions
Hi, In February 2016 I was issued with a fine from HMCT for driving without road tax. When I moved home I accidentally forgot to renew my road tax online. However when I discovered the fine from HMCT I promptly settled the fine with them. Last month I was sent a letter through the post from a company called Past Due Credit…
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Suffered strokes last Christmas 2016 Need Advice about Car Finance
I am writing this for a friend who has suffered 3 strokes since last Christmas & nearly died twice. She has a car on finance & explained to finance company due to strokes unable to work etc. They aren't being very helpful. As you can understand she is ill with the worry being unable to pay repayments. In fact she hasn't no…
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PPI on statute barred debts?
Can one try and claim PPI on debts that have been set aside as statue barred, or is that just super cheeky and will have repercussions? ;) HBS x
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Loan or Credit Card
I was wondering which option is the best - a loan of £15000 over 5 years at 3.8% or keep moving balances from 0 % cards and paying the transfer fees each time - repayments would be around £275 on a loan and I am trying to pay £300 a month on the card. This is only half of the card debt! I am aiming to have all debt except…
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Moving to self-managed DMP - advise?
Morning all, I am currently in the process of sending CCA requests to all my creditors with a view to (hopefully) getting some good F&F offers. With this in mind I realise that I will need to move my DMP away from SC and self-manage. I am finding this a daunting :eek: thought as I am nervous about the implications and I…
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Pay off loan or save more for deposit?
Hi guys, I know this has been posted about a few times but I just want to get opinions on my personal situation. Looking to buy land and build in the next 9 months. I have a £10k left on a personal loan which i took out a few years ago to buy a car and consolidate debts. I make regular overpayments of £1k on this a month.…
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My Story - 7 years in the making - I IGNORED OFFICIAL ADVICE!
So after 7 years im now debt free with a 999/999 credit score. What im about to tell you flies in the face of every single money advice and debt advisory service will tell you to do. But i honestly believe that this is the only way to deal with bad debt other than paying it all off before they default you. Once you have 1…
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Feel like I've been stupid... Anything I can do?
Through a combination of divorce and other things, I managed to get into around £22,000 debt. About half of which was accrued interest. As well as the divorce I was made redundant and could have declared myself bankrupt. I didn't want to as I felt it was my debt and I should pay it back. I got a job and set up a DMP and…
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Any Advice would help
I have a problem that I could do with some advice. In a nutshell, I have £27500.00 worth of debts in various high-interest loans. after going back to university at a mature age and changing my profession, my wife and I are earning good money now. the problem is we are paying £1600.00 a month in payments and we just seem to…
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Capquest HELP!!!!
Hi, I hope someone can offer some advice. Today my partner received two letters from capquest each with different account numbers, reference numbers and two different amounts, the company they claim to have baught the debt of we have never heard of and aside from this we have no debt. I know the next step is to send a…
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Removing AP markers after an account has been settled...
Hi all :) Ok, hopefully some kind soul here can help to put my mind to rest? Plllllease.... So I had been on a Step Change DMP and have repaid it (mix of in full and F&F's) but my Vanquis account has UC/AP markers against it - 4 and a bit years worth... I have just emailed a complaint asking for the account to be defaulted…
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Debt ping pong
Help. My partner and I want to move in together but he has some debts which I'm worried will affect my credit rating. I work at home and my Ltd business is registered at my home address so it's really important to me that my credit isn't affected. It seems his debts have been passed from pillar to post. He has to keep…
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Benefits cut, need to reduce DMP payments
Hi all. I have been taken off ESA and put on JSA meaning I loose £35 a week. I'm not appealing, spoken to GP, she said: I'm in a tough situation as due to my CFS/ME being cured, technically I am fit enough to work, but the problem I'm going to have is that while I am fit enough on paper to get a job, with my health…
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Partners debt
Received mail addressed to my partner and his estranged wife at my address saying they were being taken to court(in Scotland) for failing to pay council tax arrears. His wife has obviously never lived at my address. The mortgage and all bills are solely in my name and I have no debts. Does anyone know if I am liable for…
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Someone paid money on my debt
I have a old credit card I stopped paying years ago When they contacted me a few years ago I was with step change and I told them the debt was statute barred. Some time in 2015 someone has paid two payments of £1 effectively keeping the account open I'm sure it wasnt me because I was already with step change and I have…
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Please advise!
Hi Everyone! I have today recieced a letter from Robinson Way in my married name concerning a debt due to HPH2 LTD (EX CAPITAL ONE). I have not used my married name since 2003, so I can only coclude that this debt is dated before that time. My ex took out cards in a joint account but I did not know and certainly never…
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Should I go debt free?
Hi, I'm being made redundant and I've luckily managed to get another job straight away. I have some credit card debt which I've already done a 0% balance transfer on around a year ago. My instinct is to use some of my redundancy pay out to pay off the debt completely and enjoy not having it hanging over my head any longer…