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PayPlan and quick question...
Hi, after seeing their name on here i decided to contact them. Before hand i was set on going bankrupt but after speaking to them they say maybe an iva would be better. Anyone else delt with PayPlan and if so what were your dealing like ? any good ? recommend ? or should i stay away ? also just want to clear up, if you go…
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I have a LOT of debt...Any Idea's?
Hi.. Firt of all I would like to say THANKYOU ML, this site has helped me alot into really realising what a P%$T with money I have been. I am 26 and since I was 18, I have been spending, spending and then some. I discovered this site last year and it has helped me to realise how bad I have been and how much debt I am in.…
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catch 22
hi all just when you thing it cant get any worse! our landlord has now deciced they will not extend there lease due to the fact we are going bankrupt! So now the problem we cant have our deposit back for six weeks after we leave and of course we dont have £1200 to use for a deposit from anywere else!Plus we need a…
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Full & Final Settlement's
I am considering writing to my 2 creditors who I defaulted with nearly 6 years ago and 1 company that I defaulted with 2 years ago. We need to get a mortgage and these really need to be paid off and showing as satisfied as we also need a 100% Mortgage. So has anyone got any advice on what to offer for a full and final…
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How much have you spent today? 17/01/06
Just had a Tesco shop delivered which came to £104 :eek: This is for 5 of us for 2 weeks (supposedly!). Also got 1500 extra clubcard points using a voucher code from the voucher board- worth £60 in deals!!
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Beat The Bailiffs.....bbc1 9-15am
I just saw that there is a programme on at 9-15am on BBC 1 called ebat the bailiffs. For any-one worried about a bailiff calling and what you can do about it. Hope this helps some-one.
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No wonder it can be easy to get into debt
Morning all! I remebered this last night so thought i'd share it. Im pretty sure it was to do with my Capital One card. I owed about 5k on it at the begining of last year and they increased my credit limit to 7.5K, giving me an extra 2.5 to play with. I cant remeber if they offered me any special balance transfer rates,…
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Definative allowances?
Hello, it's 5.09am and i'm still awake..... I've had a look at a link ( mentioned elsewhere ) but I'm unable to find well defined acceptable monthly allowance figures ( £££ ) to live on, as stated by government etc... In particular. I'm seeking single person, unmarried figure's for the likes of clothing, and all those…
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petitioned for bankruptcy when living abroad
Does anyone know what happens if a creditor petitions for my bankruptcy in my absence? What are my obligations? I am a permanent resident in the USA and there is no way I am able to pay for the loan that I have in the UK. I'm really worried as to what I am going to do.
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I just need an answer
I ama self employed taxi driver living in a rented property. i have got into serious debts through loans and c cards to the tune of 40k. If made bankrupt would my car which is my main tool for earning be taken away. The car is worth about 3,500 and i transfreed it into my wifes name about 4 weeks ago becuase i could not…
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The Bankruptcy Association
Would anyone recommend becoming a member of the Bankruptcy Association for the purpose of receiving sound, practical advice available on any debt related or bankruptcy matters at the end of a telephone, letter or email? Paul
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anyone had dealings with mercers
Anyone had dealings with a place called mercers from liverpool.My partners just had a call from them at 8pm tonight.She got her first letter of them on saturday morning,and by 11am saturday they rang up left a message.Anyway they rang tonight and were nasty on the phone to her,told her she should get a full time job…
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is this a good credit rating
Hi, I have gone thro checkmyfile.com and discovered our credit rating is 865 out of 1000, could have sworn last year that it was only 300. Is 865 good? God knows how with my load of debt, never missed a payment though.
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2006 the year for debt busting!!
Hi everyone - this is my first post on this forum after spending lots of time recently reading peoples' posts and the articles etc. Having had a change of circumstances recently, I have taken a reality check and decided that I need to face up to my debts and pay them off asap, so I can start fresh with nobody chasing after…
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My debt plan
Ok I am recently married and have moved in with my partner - We were both in debt before we met £10,000 for me and £15,000 for my partner so total of £25,000 - I have a plan to pay it off - We have moved into a rented property due to the fact that my flat (studio) is just too small - I own this flat and am currently…
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Voluntary Termination of HP agreement
I am nearly at the half way point of a car HP agreement and under the terms of the agreement I can hand the car back with nothing else to pay as long as half the payments have been made. I am considering this as the value of the car is approx £9000 and I still owe £13000. Has anyone ever gone through this process and if so…
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My credit file
Ive just been looking at my credit file online with Experian. On there theres an old catalogue debt from 2003. It shows amissed payments on there. This is from when I got married the bill arrived before my big day and I forgot to pay it till I got back. This account has not been used since SEpt 2003 and had a credit limit…
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Next step in debt busting: loan
Hi Guys Next stage in debt busting is due. so far I have only been focusing on credit card debts (£21k at moment), bringing down the APR to no greater than 5.9% and snowballing payments (with about £300 per month left for overpayments) I've finally got OH to get the low down on his consolidation loan with Lloyds TSB. As I…
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Cancelling credit cards etc
Thanks to all on this board I have made good inroads into my debt! So far I have cut phone, insurance, utilities,cancelled PPI, got a 0% credit card to shift some debt and done the snowball calculator. My question is, once I have shifted the debt I was going to cut the cards up. (Well I want to do that anyway), but is it…
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Car costing us a fortune advice what to do???
Hi was wondering if anyone could help me as I'm unsure what's best to do about our car which is still on finance and has incurred another large repair bill today. The background is we bought the car, a Ford Galaxy, from a dealer in July 2003 and signed up for their Finance agreement (stupid I know)! on a 5 year deal. The…
