-
Debt that isnt correct
Hi I had an account with Three mobile over a year ago and it had ended at the beginning of last year. I have recieved a couple of letters from a debt collection agency asking for almost £300.00. I do not owe them this money, although i had a contract with them the amount on there was cleared by one of the representative…
-
Individual Voluntary Arrangement
I Posted A Question About Iva' S ,asking For Any Advice And I Was Well Pleased By The Help Given ,anyway I Was Advised To Get In Touch With Cccs And It Was The Best Thing I Could Have Done After 50 Mins Of Talking It Through I Feel As If I Have Had The World Lifted Off My Shoulders .i Have Decided To Go On A Debt…
-
Help
Help I'm sinking in debt i must owe over 30k jointly in secured debt with my wife. Thats in addittion to mortgage and secured loan payments. Everyone is chasing me. the stupid thing is we both have well paid jobs we just dont know how to sort this mess out. Bancruptcy isnt an option because i would have no job then. Any…
-
One down, one to go
A great big thank you to Martin as I have had the great satisfaction of today writing out a cheque which is the last payment on one of my credit card debts. :j :j :j :j :j I transferred my debt last year onto two different credit cards, both 0% interest for balance transfers of course! As soon as I received the cards I cut…
-
Debt advisor?
Okay, don't know whether this is the right place to put this, but anyway. I am interested in becoming a debt advisor or counsellor or something similar. I graduate this year, and i'm not sure what i want to do... but i'm very interested in looking into this. I guess in many ways this is a "year out" to try something new…
-
Debt free wannabe
Hi, I got recommended this site off someone, and I must say it hasn't half helped me. I thought I was alone but I'm not, keep thinking of ways to get out my rut, and nothing seems to work. I have debts of approximately 20k, through various reasons. But now I'm in a rut, finding myself 2 weeks before pay day and money still…
-
Lightbulb moment...
Eeek! I've finally had that light bulb moment (at long last) and want to get my finances in order. I'm not working and have 2 children (4 and 2). I also want to get savvy at saving money (changing accounts / gas / electric etc etc). Think there are big savings to be made. I've got an o/d of £1600ish and and egg c/c sitting…
-
Internet access???
Just a quickie... I'm up to my neck ( and beyond ) to the tune of 13,000 on credit cards. So i'll be back soon to post my SOA,.. but this question is niggling at me.... and as i DONT GO OUT ( i.e. last night out I had was in 1989 ) the internet is kind of important to me!!! Here's my question.... How is it.. that you're…
-
Needing to sort my life out.
HELP!! I have around £15000 worth of debt in Credit Card and store accounts. Cannot go down secured loan as already have one for £20,000. I need to sort this out a.s.a.p once and for all and as quickly as possible, without IVA's or declaring bankruptcy. Can anyone advise on what to do, as i can't see a way out of this with…
-
Follow Tips, but still skint
Hi I am a graduate and after a year I am still skint. I have a credit card (£500), Graduate Loan (£4,000), overdraft (£800), Car on HP (owe about £7,000 - pay £250 a month), and a few other bits and pieces. My partner and I also have a joint loan of £5,000 which we pay £100 each a month on. I earn about £1,300 a month but…
-
Tips for cheap treats
WANTED........ tips for things that you consider a 'treat' but at minimal expense to cut the outgoings For example, I have stopped buying my lunch every day at work. I now take my lunch Mon - Thurs Friday is my 'treat day' when I will buy a sandwich or lunch from a cafe with colleagues. Also, If anyone out there likes to…
-
Flexible loans to pay credit card debt
I have credit card debt which is a pain in the neck. Some of it is at a hefty interest rate, some at 0%. I am thinking of taking out a flexible loan to restructure it. My thinking behind this is that I'd only have to draw down the amount required, therefore I could clear out the interest-bearing debt straight away, and…
-
I am digging deeper and need a lifeline! HELP!
I have increasing debt and it is spiralling out of control! Since graduating I have incurred credit cards and loans and now a mortgage and I am missing credit card payments up to a point that my outgoings are exceeding my incomings! My problem is that everything is all over the place. I need it all to be brought under one…
-
individual voluntary arrangement
has anybody heard about this before , its where you get some of your debt wrote off after all your creditors have a meeting . I am thinking of doing this but i want to know if there are any hidden catches , im at my wits end trying to pay my debts off and cannot see another way out
-
Debt ghost from the past
Hi I have been contacted today by a debt collection company regarding an unpaid debt from 6-7 years ago. I took out a loan in 1996 and it is my understanding that I paid off this debt around 6 years ago. The bank has referred it to an agency. This is the first I have heard of this in all that time. I think it unlikely that…
-
Please help! Making 'offers' to creditors
Please help! I want to make an offer to t-mobile on an old defaulted account. The original bill which I defaulted on was about £150 but it's grown to over £400. They haven't contacted me about it recently because it's registered at an old address but I'm trying to sort all my finances out and my credit record is terrible.…
-
I'm going to do it!!
Hi All! Lordy I'm so glad that I found this site! It's fantastic. I thought I was really terribly in debt until I read lots of other posts. The banks and co have been making a fortune out of me and it's going to stop. (I cut up the credit card last year, just gotta pay the thing off now.) With each other's support I know…
-
Very poor indeedy
Well I am in a bit of mess financially and not too sure what to do next. As everyone in my situation, I have a story, I shan't bore you with it suffice to say the last couple of years have been really bad. I have just got my credit report from Equifax using the online service, which is pretty nifty btw. Had to do this as I…
-
Help!
The light bulb has gone on and I have decided 2006 is the year I sort out my money matters. I have a credit card debt that was on 0 % balance transfer card until I foolishly spent on it. I have decided that it is probably best for me to set up a low interest card for life of transfer such as AMEX and set up a standing…
-
CCJ's Help
I have a couple few CCJ's and have recently applied for a mortgage, the only lenders who can help me are charging huge interest rates, is their any way I can “clean up” my credit history so I can get lower interest rates?
