-
Bancruptcy and Income
Can anyone help. After a long period of trying to do the right thing (ie paying off debts) it has become clear that my DH is not getting anywhere in clearing his debts. He is currently with a debt management company and paying them just 100.00 a month. They only seem interested that he keeps paying something to them and…
-
Advice Needed Please
I lived in rented accomodation last year, and I left some debt I had not realised, anyway I did not hear about this at all, until well over a year later when I moved back in the same rented accomodation. I received a letter from a debt company telling me I owe them £658.56, £497.03 is owed to Scottish Power, and they are…
-
Need Advice Re: Bankruptcy
I was declared bankrupt in February 2007. I have been sent a form from the Insolvency practice saying I am eligible for early discharge. Can anyone tell me the pro’s and con’s of this. On my bankruptcy form I listed my rent arrears (current and pass) however my housing association have said they will not even consider…
-
Who are Clarity
Wo are clarity and who do they represent, I take it they are a collection agency.
-
One year to be debt free
Well free of debts on credit cards anyway! Due to taking some bad decisions and basic not paying attention to things hubby and I have managed to accumulate over 20k debt on our credit cards:eek: Its nobody's fault but our own: hubby is very much of the "enjoy life now, worry about the cost later" attitude and I suppose for…
-
Are you all aware that...
Out of curiosity and boredom I googled my real name and nickname to see what, if anything, popped up. I was amazed to see links on there to some of my posts on this website (and another I belonged to). I entered another user's name and some of their links came up too. I thought I'd mention it as I know some people talk…
-
Negative Equity & Selling....Help!
hi all We are in arrears with our mortgage and have accepted an offer on our house. HOWEVER....I have recently received a copy of the redemtpion statement and it looks like we will be £4K short Does anyone have a template to send to our secured loan lender asking to postphone until after sale? thanks
-
Advice required - consolodating loan
Hi everyone, Im new to the forum and Im looking for a bit of advice from everyone! I currently have an Egg loan remaining of £7000, this was £10000 when I started but I have not missed any payments although I have taken agreed Egg "payment breaks" around Christmas time. I pay £256 p/m at the moment on my Egg loan. I have…
-
21.6.07 what small dfw thing will you do/have you done today?
Hello lovely DFWers - old timers and newbies. 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…
-
Quick Quidco Question
How many q's there!! A month or so ago some lovely people recommended an A&L bank account and to go through Quidco which I have. I just want to know now the process of how or when you can claim your money I understand the £5 annual fee thing no problem there. So far my A&L money is marked as validated - can anyone explain…
-
Bit of advice wanted re. wording a letter pls
I've received a couple of letters from Red Debt Collection Services (a trading style of Lowell Financial) who are now holding my Capital One account. The first one asked me how much I could realistically afford. The debt is for £722.08 and I want rid so I offered £300.00 (bit cheeky but hey..) and used the template letter…
-
Lowell portfolio? help!
Ive just received my Equifax credit report and on it it has one from Lowell portfolio for a sum of £697. Its says credit card next to it, I have no idea what this is as it dates back to 08/2002. I have tried finding phone numbers for them in order to find out what this debt is but i cant get a contact number anywhere. Can…
-
Thames Credit Letter...any Advice
Hi, I have recently received a letter from a company called Thames credit asking if I can telephone them to confirm that I am the person living at the address. I think this maybe due to a an old Barclaycard debt that I had when I was in Uni in 1997. Since that time I have paid off other debts and to be truthful I cant…
-
I've won a 'chocolate' ectasy tour with pigsback..
Recieved in the post this morning an invitiation to a 'chocolate ecstasy tour' (www.chocolateecstasytours.com) in London that I've won through pigsback.... trouble is I've realised that the likelyhood of me being able to get someone to have the kids and afford to go down to london is virtually nil.. So... anyone want to…
-
Half The Interest Challenge
Hi All I'm a bit of a newcomer to MSE and after having my LBM I received some brilliant advice that made me work out exactly how to clear my debts. :T As you know in most cases interest is charged depending on the amount borrowed - in my case on my £2650 credit card I'm now paying £30.60 interest. I was wondering if anyone…
-
What have / will you spend today? Thurs 21st June
:hello: Hi all, Well its the longest day but it's overcast and humid here! Will take a long walk at lunchtime via Clarks sale and Debenhams sale to see if I can pick up any bargains for my hols - but only if I really need them! if I don't find anything then it'll probably be just a 47p can of Diet Coke. (I will give this…
-
Being turfed out of flat ... why does this always happen?
After spending the tail end of last year in chaos trying to find a cheaper place to live closer to OH's work, being turned down at the last minute on one place, spending forever finding another, missing planned debt repayments to gather a deposit I thought we were all settled, everything was going great - cheap rent,…
-
Landlord Arrears How Do I Move Out When In Debt?
I need some advice from anyone who knows the law or who has been in this situation before: My rent was regualrly paid by dd via hsbc for years till they did not pay one month because of a new review they did on my account without telling me, for months they said they were paying my rent and the estate agent believed it was…
-
Advice needed regarding 'Sell and Rent Back'
Hi, My situation is this. I am on a fixed income (working and child tax credits). I decided to buy my council house about three years ago simply because the mortgage at the time was a lot less than my rent. Trying to keep this as short as possible, the main problem now is that the mortgage repayments have just gone up and…
-
Iva
Can i have peoples opinions on this, those who have had one, do have one, or have anything to share about them. Partner and i are considering going down this route as we just make payments on our debts now. Partner approached a company today who told us current payments of just over £500 would be reduced to £219 and take 5…