-
Bank accounts after bankruptcy
Can we share our Bank account opening experiences please, what bank gave you a basic account after your bankruptcy? What questions did they ask? Can you open a basic bank account before the bankruptcy as long as there is a zero balance with no credit (or up to £500) a cash point card and cheque book? Ta.
-
Help a student
I'm currently in my final year at university, and find myself with a heap of debt. I owe £2000 on credit cards and £100 on store cards aswell as about £4000 on overdrafts. I am at uni everyday and then work part-time at evenings so that I can pay my rent and bills. I do get a student loan for the year, but as most people…
-
Full and Final settlement
Hi I have large debts that I need to get cleared asap, there are a couple of companies that have said that they can get settlement of around 50% in some cases more, of the debt. Has anyone tried and been sucessfull in clearing debts in this way? Thanks
-
working out debt free date
this is going to sound totally stupid but having read ms londons posts i am now inspired to have my own debt free date to work towards i am not doing a dmp or anything like that i can work out when my loans will be paid off but can someone tell me how to work out when credit cards will be paid off? thanks and sorry if i am…
-
What is ment by Pro Rater??????
I am going to write to my creditors and make an arrangement to pay them direct instead of through a Debt Management Plan (Baines & Ernst) Whom I have been with for 5yrs "Pay Plan" can't help me as I need to have around £8000 of debt but I have reduced mine from £14412 to £5652 but £1740 was spent on Management…
-
Nationwide Flex Account
Just thought I would mention that today we went to our local Nationwide branch to open a basic account which we had been advised to do by the CCCS, after going through the system other half was refused because of the scoring on his credit check. Asked why this was when all he wanted was a basic account for his salary to go…
-
Creditors calling at work
Hi, I have posted my situation up here back in September so won't repeat it again, other than to say we have now had our session with the CCCS and have a DMP that should be in place from December, meantime making token payments to all creditors. The biggest problem seems to be that they have started to call my husband at…
-
help me liittlewoods/choice debts
Hi I noticed on some other threads the deal with getting them to provide the cca agreement both sent this as I requested a true copy of my signature. They both sent one not signed! Does this mean they dont have it and trying to fob me off? Choice sent me a scary letter which goes like this We refer to your recent letter…
-
10 days until I am debt free.....
I wish the time would just flaming hurry up now, I emptied my ISA and ING accounts so the money is sitting in my current account now (I am waiting for a call from the bank to ask why I have so much in there, and have I actually robbed a bank!!) :0) - so am just waiting for payday so that I can pay the final…
-
Debt reaching crisis point
Hi All Any advice gratefully received. Wont bore you with all the details of how I got to where I am but financial situation is this: Bank Loan of £3000 at 50% apr so monthly payment is £140 Bank Loan of £2500 at 40% apr so monthly payment is £125 Friends Provident loan of £500 monthly payment is £60 Credit card balance is…
-
Payplan and Google
Has anyone entered Payplan into Google? I did this and the first entry on the list appears to be an advert for a company called DEBT MANAGEMENT CENTRE.COM. Payplan's entry is below this and the first in the standard Google list (hope this makes sense). I filled in the application for DEBT MANAGEMENT CENTRE.COM and sent it…
-
Is it possible???
Hi guys i am a first time poster but have been lurking around reading everyones posts. I am currently £12500 in debt £7000 cahoot flexible loan @8. something% £2500 cahoot credit card @ 10% £2500 virgin credit card @ 13% £500 HSBC credit card I have have just returned to the Uk having spent the past year working for free…
-
How would I apply for part time evening work..?
Hi all I'm considering a part time evening job say,stacking shelves or similar to supplement my income and give my debtbusting a push.. Can anyone advise on how and where to look for these jobs..? Is it just a matter of approaching store Managers for example... cheers
-
Assistance?
Hi there! First post, am very impressed with this site and the fabulous information I have been taking in! Here is my wee tale of terror :eek: We have a £11,500 loan that was taken out in a moment of madness over 5 years ago....we fell into money hell and have only just started to recover...debts were £30,000 and now all…
-
How much did you spend today 16/10/05?
well nothing is the aim as per normal, may get some diet coke and a paper thou!! Will
-
How to consolidate
Hi, I am a property owner. I owe the mortgage lender (Nat West) £142,000 (@ 6.59%) & my property is worth £210,000. I have been told by Nat West that I can't re-mortage & I am tied in to their mortgage for about 3 years (if I leave I think I would pay around £5,000). I have a credit card debt for £4,635 (@ 21.9%). I have a…
-
Budgetting On Benefit
Hi everyone Not sure if this is the correct board-i'm a long time lurker but new member so please bear with me! Can anyone give me advice about making ends meet whilst on benefit please- I finished work at the start of September to do a part time college course & i am getting Income Support as i am a single parent(one DD…
-
which debt agency
i am going to be phoning a debt help company today, i have 2 in mind but would appreciate your help on which one to use, they are a company called payplan and consumer councilling service i think they are basically the same
-
Arrrrgh - how do I get this lot cleared?
Hi, I've got three outstanding debts which I'm just about managing to keep up with at the moment but I've kind of had my head in the sand and need to sort out what I should do with them; Overdraft with Royal Bank of Scotland: £1,300, fees of £40 per month Halifax Credit Card: £1400, minimum payment £25 per month…
-
Beware Financial Advisers
FOR ALL THOSE WANTING TO GET OUT OF DEBT!!!! Beware Financial advisers bearing gifts!! A couple of years ago, I needed to buy my current home and remortgage the old one as a buy to let. My adviser at the time said it couldn't be done, so I contacted someone a friend recommended. This guy sorted it all out and everything…
