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Which way to go?
Have mortgage of about £63k, half of which is still on 5.99% fixed til Feb '10. Mortgage is £364 pm so it'll go down a bit more in Feb. Have £13,000 roughly in debts -credit cards, balance transfers. I have 5 cards in total and only my Tesco Card is used for purchases (to collect points,) balance £482 ish. My MBNA has £4k…
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Getting A DMP going. Help!
Hi there, I've just found this forum and, well, I need help! It'd be utterly awesome of somebody could answer my questions :) Trying to keep things brief, I want to set up a DMP. I've been waiting on a new job to start for a couple of months and, finally, the other week it began. With the CCCS's help I worked out a budget,…
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time periods & general help please 8(
Does anyone know if theres a certain time limit that creditors must reclaim there debt within? Is a 6 year old debt that has magically appeared by a baliff serving papers and no previous correspondence legit? Thanks
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CCJ Help
Hi all, need a little advice, Just received a letter from a debt collection agency informing me of a debt i now owe and that the court has ordered me to pay it back, (so i now have a CCJ) Basically the debt is for an advance i received from a company i worked for which i left at xmas. I also moved house in October and had…
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Renegotiating Credit Card Debit
Hi All I'm looking for some advice on behalf of someone else, who has significant debts. I have noticed that four of their credit cards are administered by the same institution, the Bank of Scotland. This person is currently meeting the minimum repayments required and should continue to do so. However, I'd like to know…
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It starts here...
Hi. Firstly heres my SOA Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... 0 Number of cars owned.................... 0 Monthly Income Details Monthly income after tax................ 1050 Partners monthly income after…
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How do you fit everything in!?
Hi everyone I am hopefully starting college in sept to do a maths intensive gcse (i failed at school) one evening a week plus 5hrs a week study time. I'm also hoping to go back to taking dancing lessons either once or twice a week but this may be for blocks, ie 6 weeks on 6 weeks off. I also have an allotment which I never…
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points cards
advantage card - boots - Say i want to buy something which is £4 and i have 900 points - can i use my points to pay for it??
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loan for credit cards
My son is in a complete mess with credit card debts, cannot become bankrupt as he will loose his job and has had an iva refused. He is in a key worker house on part rent/part buy scheme but has been told there are no buyers for key worker houses at the moment. I am looking at getting a loan to clear most of the debts as…
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Help Credit score Bank account declined
God where do I start i have got myself in such a mess defaulted on numerous accounts years ago , paying back is going to take forever to pay off, I havent told my parents as they are very good with money. bank account declined due to defaults. Parent works for bank so she now knows I am so stressed is my own fault but am…
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What do I do now?
Hi After 3 months of £1 token payments to one of my credit cards and sending them an income and expenditure form they still wont help. This week I had one letter from Aqua card COLLECTIONS dated 24th July (received 27th July) which tells me they are not prepared to accept less than £5 a month due to their policy…
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help and advice need please default?
hi i have recieved a letter regarding default sums. this is from tesco stating they will apply a £12 charge for missing my payment. i am not very good with things like this and the fact they have used the word default is confusing me. there is request for any money or the balance. also i have a alliance and leicester…
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unsecured bank loan debt. help!!
a couple of years ago i foolishly took ou an unsecured bank loan and was almost imediately made redundant! after strugging to repay the monthly repayments the debt was bought by a collection agency who are now increasing repayments and are very aggressive in their demands. any ideas people? thank you
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Moneyworries DMP - Don't touch with a barge pole!!!
Well after having my eyes well and truly opened to this bunch of thieving chancers I am now cancelling my DMP and moving on to the CCCS who will do the same for free - Thanks for all your advice. I sent a letter yesterday terminating the contract and asking for the initial fee back as they have done absolutley nothing with…
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DMP(CCCS) or 0% CC balance - which should I try to pay off quickest?
Hi, Myself and my husband have just transfered a balance of £5000 to a 0% CC which gives us 0% until Jan 2010. Our original plan was to pay off as much as humanly possible before jan, then look to do another 0% tranfers, but I have a DMP set up with CCCS which I have had for 2 years and is undoubtedly a 'blot' on my credit…
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default notice??
hi i have recieved a letter regarding default sums. this is from tesco stating they will apply a £12 charge for missing my payment. i am not very good with things like this and the fact they have used the word default is confusing me. there is request for any money or the balance. also i have a alliance and leicester…
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Debt free by Friday
Well this is it! I hope to be debt free this Friday so please, please keep your fingers crossed for me. Obviously a big thankyou to absolutely every one on this site - good advice, support and motivation!! Keep up the good work and I wish you all the best. I never posted a sig as I was too ashamed and for a long time I…
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natwest/triton credit
is this letter ok to send? i missed one direct debit payment and as such my account went from 0.00 to - £600 in the space of two months it is all made up of charges whill this letter be sufficient to hold them off or should i send something else
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property charges
hi there, can any one help. my ex partner and i jointly own property together he has spirilling debts and a charge has been enforced on the property by his creditors. thhe property is now to be sold, can anyone tell me what happens to any monies left, how its distributed and wether i am accountable for these debts
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Lowell portfolio/Hamptons legal help please!
Hi there.. I was hoping that someone could help me please because i am at a loss.. Last year I received correspondence from Lowells chasing an old debt. As the debt was almost 6 years old, i was hoping that i could hold out and got for Statute Barred. Eventually i got a letter from Hamptons legal who were threatening me…