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Thank you
Just wanted to post a quick thanks to eveyones advice yesterday. Spoke with Payplan today and they were really helpful, we have 2 options IVA and DMP so they are going to call back in a few days with some more figures etc so Hubby and I are going to have a thing of the best route to take. I would be interested to hear from…
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payday loan help cannot pay
i currently have 3 payday loans with quickquid-£600,payday uk-£250 and wageday advance-£200. i am in talks with cccs waiting for appointment about dmp which is on 25th aug. they said to offer them £1 each token payment which is what i am going to do. my situation although 100% my fault, is really worrying me. i want to…
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Leaving work, going back to uni...
I have a feeling this may get bumped to the Student forum, but I thought I would ask it here anyway. I've been toying with the idea of going back to full time education for a couple of years (on and off) and I wondered if anyone else had done it, and what your experiences were. I'm in job that pays reasonably well, but to…
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Car finance question please
Hi everyone I have been on a Dmp since January 2009 with Payplan but I am just a bit concerned about my vehicle. I work a rotational 24 hour shift system and I am based in a rural area approx 14 miles away from home and public transport is non existent. Out of the 6 days on I work I take my vehicle 3 days a week and a work…
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Finally a debt free date!!!!!!!
hiya i just wanted to share the fact that i finally have a debt free date, I started off with a huge amount of debt, and no way to move it to get good deals,(credit rating and the amount of credit) following advice on here I found a credit union, and they agreed to lend me 15.5k thats enough to pay off all of my credit…
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Letter from Wescot (not sure what for).
I received a letter from Wescot today titled Confirmation of Residency and i'm not sure what this debt is actually for. I did mess up my finances when i was younger but when i moved into my own home in Aug 03 i stopped applying for credit for a couple of years until eventually in Aug 07 i started again with a phone…
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Work Bonus advise
I've just been told that i will be receiving a bonus from work of 8% my yearly salary yay! :j which works out at £1600 ish i'm hoping after tax this will be just over £1000. Currently my debts stand at: Lloyds tsb: £1600 Mint: £800 Capitol one: £0 Over draft: £1000 Loan: £6000 Car: £3000 Savings: £250 (gulp) Originally i…
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Credit File Help
I have recently gained access to my credit file online and have discovered certain interesting things on their including soem fraudulent activity. However my question is this what parts of my credit file actually go towards my score and what lenders see? Experian say their website is easy to use but i don't find that to be…
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Coin machine thingy's
Hi does anyone know what percentage those coin machines in Asda take. As I have a mixed pot of change that I might use against my weekly shop so long as they don't take too much!! ( can't bring myself to pay with coppers etc at till on a sat morn, people will prob chase me out with pitch forks!!)
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Bank reinstating DD
Hi All I'm a newbie to the board but have been reading for a while. We have just started a DMP with CCCS. I have done everything that is expected eg cancelled dd, changing banks. We have had a few letters from out creditors and on the whole things have been fine. Well that is until today when i went to the bank to check my…
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Car Finance
hello would it be possible if you could help me, i bough a car in 2007 on finance i paid £500 deposit so i had a credit of £6,300 to pay the finance is over 60 months with a annual interest rate of 7.90% my last statement i last month i still owe 4,783.94. I gave the car to my brother as i got a lease car for work he now…
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Debts on my credit file
Hi all. I have a quick question. On my credit file, I have an amount owing to Barclaycard, which they say I defaulted on back in 2005 and the file hasnt been updated since. This is the time, I went with the CCCS. (it was actually Morgan Stanley, but Barclycard took them over). Anyway, The CCCS were making payments to them…
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SOA Parking fines help please
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 0 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1025 Partners monthly income after tax....... 0…
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MBNA charges
I don't believe it. Just been sorting out paperwork and looked at my MBNA statement. They have reduced my credit limit, charged me defualt charges and interest which has taken m over my limit so they have addred another default charge. I am now over my limit by £86 so will probably get another defaut & over limit charge.…
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soa
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 0 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 102.24 Partners monthly income after tax....... 403.73…
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Credit Card Debt and the CCCS
Hello I currently have around £11,000 of credit card debt and recently became temporarily unemployed. I was advised to contact the CCCS by one of my credit card companies, so I went on line and did a budget which I printed up and sent off to each company with a letter based on the template letter with my budget plan..…
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bank charge help please?!
I got a letter yesterday from the bank, saying they are going to charge me £35 for being over my overdraft limit on the 10th of August. what can i do about this, as i was only like £20 over. And i have been paying that £20 back bit by bit, i am now only like £6 overdrawn. I cannot afford £35, especially not until i get…
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Old current account haunting me
I'm new here as a poster, I have read a lot of threads in the past but am a noob to submitting. In 2002 I got in a lot of financial trouble, I fell behind with my mortgage, loans and credit cards. I had almost everything with Nationwide and they froxe my bank account in December 2002 when my credit card defaulted. I ended…
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cashback websites abroad?
Hi Not sure if this is the right place to post - I can't find a dedicated cashback forum? I'm looking for cashback site based in Holland. Has anyone got any ideas? Talking to my (Dutch) brother-in-law, we both think that the Dutch (companies or consumers) aren't up to speed with the cashback/commission mentality that seems…
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HSBC Advice
HSBC has written to me asking how I intend to repay about my overdrawn balance of £245. I've offered to repay them £20 a month in the hope that this will get them off my backs and eventually pay off the debt without me getting into a worse situation. Do you think they'll accept this? I've moved my everyday account to…