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Protection needed ?
rtrtrtrtrtrtrt
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Debt free in four years...
I finally was realistic about what me and my husband owe, but feel much better for being honest. It seem so daunting at the momment but i was plesantly surprised that at the current rate it will take four years to pay off, and there are still more savings to make, i think. Can anyone just give me some reassurance that it…
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Help! The baillifs been round!
...and I don't have any debt!!! I just bought a house a month ago. Turns out the bailiffs are after a previous occupant for non payment of traffic charges. Spoke to the bailiff just now by phone but he says its down to me to prove who i am and so not the person he's looking for (which is weird becuase he's not looking for…
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Advice re: paid old CCJ please??
I'm a little bit stuck..... I had a CCJ against me from Capital One in Aug 2002. It was for £592 inc. costs. It was passed onto a third party to collect, and I agreed a settlement figure of £250 with them (Dec 2003 if I remember). They sent me a letter to say the matter was closed and my credit record would be marked as…
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Advice Needed Please!
Hiya, This is my first time on here - it was recommended to me by a very good friend and I thought that you may be able to help me out with my siuation. My problem is with my credit cards. I currently owe £5,743 on my A&L card (6.9% till Jan 06) and £2,341 on my Egg Card (0% just ended - think current rate is around…
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dunno where to start!!! help please?
i have roughly £7000 debt.may not seem a lot to some but it is to me!! i earn around £600 a month as my hours fluctuate constantly. i get paid 4 weekly. the problem is.i have not paid a penny to my debtors for months now.(out of sight out of mind) thats what i thought anyway. i have been given two court summons for 2…
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Credit Rating Problems
In September 2001 I started university and opened a student bank account with Abbey National that offered a 1k interest free overdraft. A condition of the account was that i paid my student loan into the account. Being a typical student, i just emptied the overdraft and paid my student loan into another account. Three…
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Car question
Hi I'm finding it difficult to make a decision on this so thought I would see what MSEers have to say on the topic. I'm in a fair amount of debt though with good money saving Im reducing this quickly. I now hate the thought of taking on more debt which is why this is a hard decision. I need a car for work, and ideally a…
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Help with bank charges
My bank (Lloyds TSB) have charged me over £200 this month in bank charges for being overdrawn. No arguments about being overdrawn but I feel the amount they are charging is excessive. I have tried to explain the situation and advised that CCCS are helping me to sort out my finances but it all seems to fall on deaf ears. In…
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Advice needed please
just a quick question, hopefully with an easy answer. I have 3 credit cards each one is at its limit and the credit card companies are all asking for money, 2 we are managing to keep sweet (one has agreed to lower the basic mothly price and stop interest) but the third one, we cant manage to meet the basic monthly payment,…
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Minimum Payments Gone Up!
What a nightmare! Transferred from Egg CC to Tesco CC to take advantage of 7.9% for life of balance. Made sense seeing as though Egg APR is higher! However, the minimum payment for Tesco is 3% of the balance as opposed to 2% with Egg, therefore my minimum payments are higher! I know in the long run this is better but at…
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Applying For Credit
Does anyone have any idea roughly how long to leave before applying for credit again? Applied for a 0% card about 2 weeks ago but want to go for a life of balance card. How long should I wait until I apply again?
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Pro rata payments - what can they request from me?
Dear All I've started the ball rolling with offering pro rata payments and my creditors are accepting. I have one creditor that has asked for copies of my wage slip and bank details which really threw me is that aloud? Can anyone shed any light please? Thanks :)
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How much have you spent today? 4/10/05
Yo yo yo. Not sure why im so happy on a Tues, but I am, whoo!! (there's always a first!!). Just spent 60p on a diet coke, but have bought lunch in with me so shouldnt spend anything else. I dont seem to be spending hardly anything during the week, which is fab, it means I have more for the weekend. I requested my final…
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final settlements
hiya, just wondered if anyone could point me in the right direction.i owe a debt collection company (and a few others actually) money and due to the way my student finance has been paid i reckon it will be more cost effective to get a settlement figure and consider paying it off in one go via that route rather than paying…
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Do you speak a second language fluently?
I wasn't quite sure where to post this. If you speak a second language really really well, basically fluently, then language line services such as Language Line which could earn you a few quid. My company for example, use a language line interprator to erm interpret coonversation between us and our customers. You don't…
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Do You Count Mortgage sec. Loans as Debt?
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11 year old council tax bill??
hi i am posting this for some advice for my mum. All of a sudden dhe has had balliffs knocking on the door chasing her for supposed council tax debts from 11 years ago, surely they cant just start knocking on after all this time demanding money, she is just taking their word for it that she owes it (they are the councils…
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My "Getting Outta Debt" thread - An ongoing saga!
Let me introduce myself, im 24 years old and im in a bit of debt! I dont want to be so im making a start at becoming debt-free today. This is my reason for starting this thread. Hopefully it is going to serve as a complete record of how I straightened up, came clean, and got back in the world of a positive balance! Im…
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£11,500 in debt..enough of living borrowed life.pls help
Can someone please help me. Did post a thread some many days back but not much response. I need serious help please. in 3 yrs of me being in UK i have a debt (unavoidable) of approx. £11,500. Virgin credit card : £3000 Interest free upto Jan 06) Monument credit card : £3100 (interest free upto Nov 05) Intelligent finance…
