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RTA caused me great Debt! – Advice Please
Long Post, Sorry. Here’s a rough story to why I’m in debt and I’m doing everything possible to sort my debts out, but who knows, there maybe someone out there that can offer me just a little more advice. In April 2004 and I was doing well for myself being a self-employed engineer working in the HGV industry. The only debt…
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Help re payplan?? Had a bad day..
Hi all, I introduced myself on the board a couple of days ago and everyone was really helpful. (See thread page 3 'I am new and nervous') I have been reading threads about paypal and wondered if they are suitable for debts of around £13,500? I am feeling a bit down today as a tyre blow on my car and I had to borrow £30…
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Just when I thought it was sorted!!! It isn't
Hi guys Today has been a nasty roller coaster ride. There I was happily thinking that my IVA was going along nicely, nothing to tell me otherwise had happened. THEN MBNA called asking for an update on my finances. I politely but firmly told the manager of cloud cuckoo land that Payplan were dealing with my finances and…
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Legal Direct Recoveries
Who???? :confused: :confused: :confused: I've just had an alert from Equifax to say 'Legal Direct Recoveries' have been added to my credit file - the alert says "There have been changes to the following Credit Agreement in your credit file. New Credit Agreement Summary New Information Company Name LEGAL DIRECT RECOVERIES…
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Charging Order confusion
I wonder if anyone can help me with this (sorry it's a bit long-winded): One of my creditor's (Direct Legal) has applied for a charging order against our house after trying to get me to pay the amount owed to them (c.£3k) in full via county court which I told them I was unable to do. They are by no means the creditor to…
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New Starter Help
Hi all, I have only just found this great forum ! I have currently £18000 of most of which have gone to debt collection agencies. I have contacted most of them ( 8 in total !!! ) regarding some form of payment plan. I have around £1200 to use a month to pay this debt off. Is it best for me to use all this money to pay off…
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Bank Account
ok im not that bright or i would not be in this mess! Im confused what do i do about bank account? im told i cant open new one till im bankrupt others say i can??
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Pleas help a newbie! Missed mortgage payment to C&G
Hi, I'd really appreciate help. I feel completely sick after talking to my mortgage provider just now. I wrote them a letter explaining my dire financial situation at the moment and that I had missed my January payment (I've paid every other one by direct debit). In my letter I asked if I could pay a small contribution…
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What can I do to help friend in debt?
Hi there, just wondering if any of you have some ideas or thoughts on this: a good friend of mine has been paying off a £25k debt for the last 2 years through CCCS. I'm very proud of her: she's very responsible about it, and hardly ever complains, but obviously there isn't much money left to play with. While I'm not…
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Outstanding Maintenance Fees - Help!!!!
Outstanding Maintenance Fees - Help!!!! Having suffered the loss of two jobs las year and a period of unemployment - of which i didnt even receive help with the council tax and have got that hanging over my head - I was unable to pay my maintenance fees. Then at the beginning of December 2005, my partner had a serious car…
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court date
I know have the date of my bankruptcy hearing do i phone and write to all my creditors now and let them know??
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How much have you spent today? Weds11/01/06
I spent £45 in Asda :eek: Got a pair of jeans (much needed) for £10, School trousers for DS1 for £4, Vests for DD for £1.75, Slippers for me for £3, B-day cake for DS2 (for a belated party at school)for £5.98, Stewing beef reduced to £1.08, Pyjamas for DD for £3, Dish rack for £1.75, The rest was a bit of fruit and food…
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Help me please someone!!
Been reading this forum for a while now and need to ask people for some advice. I have got my self in debt to the tune of 48K (by being a mug) I have phoned the CCCS and had an interview set yesterday. Things went well and feel positive that done something about it but really confused and worried about the future. I have…
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Hbos
Have recently challenged Halifax over bank charges levied during a stay in hospital and they just rolled over. Time we fought back!!!!!
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newman & company
Hi Any one had any dealings with Newman&company?? Just had a really rude person call me at work ref my capital one account Capital one have been fine last few months with my token payment but know these guys are telling me they wont except it!When i pointed out to them im going bankrupt first week in feb they just laughed…
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Life insurance while in debt?
Hi Guys, Needing some advice of you kind folks again! We are going through everything to see where we can cut back on some bills, we are in quite a fair bit of debt, and on a cccs DMP, looking through our stuff I noticed that our life insurance is quite a bit more than some quotes I have had off the…
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Credit card charge - can I do anything?
I changed bank accounts a couple of months ago, and I rang Barclaycard to change my DD. Apparently, as I had rung furing the payment cycle of my card I had to call another time (?!). I told them I would cancel at my bank as well. In the meantime, I cancelled my DD at my bank and I paid the minimum payment on the 22nd Dec.…
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inspired and positive at last!
hi from a very new MSMer! after quietly following this site for a few weeks, have now been so inspired that i have finally done something about my debts!! spent last week HONESTLY looking through all paperwork (and not giving up halfway through, as I always did before) have now contacted all creditors, made offers and…
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Complaint to Northern Rock Cancelling PPI - Advice Please!
Hi there, I have a loan with Northern Rock and wanted to cancel the PPI on it which was £60 pounds per month. Phoned and spoke to customer services who refused to listen to me for 20 minutes, put me on hold for ten minutes then cut me off. So for the last couple of months I have been sending them the payment for the cash…
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does this class as being missold loan ppi?
hi we've been paying our loan for 11 months now and the ppi is £95.50 per month. i've only just become a member of this site but through the links i've read i decided to check to see if i could get the ppi cheaper elsewhere. i got a qoute from paymentcare for £28.50 for exactly the same cover!!! so i phoned the bank to ask…
