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F+FS ben accepted by LLoyds!
WAHEY! Im so happy today. Been on the phone to lloyds and they have accepted a full and final settlement of £9000. Loan is £14, 667.37! Have been in arrears for a year. They were saying only 85% (£12,000) and i maintained that there was nt that much available. Originally offered £6,500 - and they wouldnt have it. HE said…
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Pay of debt quicker or make £££ by using two 0% overdraft accounts
It is possible to open both the A&L and barclays current accounts and use the overdraft for one to fund the other. E.g. set up 2 standing orders, 1 to move £1000 from barclays to A&L and one to return it immediately. You could then use the remaining credit to pay off any expensive debt, or (as I hope to do) pay into the…
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Goals for this Week - updated
Thanks to all the terrific help on this board am finally facing up to the debt. One thing that really helps is to be focused - which I think this form helps you to do. To that end I'm posting my goals for this week - I'd like to hear other peoples too to give me ideas & suggestions!! Here goes: Aims for the week: - spend…
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need advice re gas + ectricity bills
i have recieved several warnings about unpaid bills from npower, i do owe the money but can't afford to pay them all at once. i'm on benefits and suffer from mental illness. my wife doesn't know how bad things are with the bills and i can't talk on the phone very well. we have 3 children ranging from 16 months to 15 years.…
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Getting sorted ..... at last!
Hi everyone Have been lurking here for a week or so I'd like to say a BIG THANKS for all the helpful comments I have read on the board. It really helps to know that I'm not the only one in debt although I wouldn't wish it on anyone. Been having problems for a while but finally made an appointment and saw someone at CAB at…
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Help needed please
I've received a letter from a solictors via a court asking me to send detail of my outgoings and asking me to set up a monthly repayment commitment -it is a blue official looking form. Is this a CCJ? I'm more that willing to pay the loan in monthly installments at a rate originally agreed to when I set up the loan (I fell…
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Wifes old debt - advice please
My wife and her ex hubby took a loss on their property of about £14k which they took half of the debt each about 9 years ago. The debt is with a building society, she is not charged interest, and pays about £200 off per year. She will be very old when this is finally paid. As their isn't any interest we feel that we should…
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Spending Spreadsheets
Hello, I'm a newbie (well, I've been lurking for AGES and reading the boards avidly - I have taken lots of advice into my daily life and am so grateful to my brother for telling me about MSE). Sorry this message has turned into a bit of a saga.... I'm *lucky* :j in that my only debt is my mortgage, but unlucky in that my…
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Advice Required Please
Hi all, I have been dealing with my debts for around 3 years now. In total I owe around £13000 and have entered agreements with my creditors and they have stopped the interested payments.however, I was unemployed for a while and have been paying off my creditors using my student loan. I have decided that this is not the…
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How will I ever pay it off
I have just completed a personal budget sheet for NDM - who I am hoping will manage the debt. But I now feel sick - I am 55 years old and have debts of £21,000 with £177 free to pay it off - have I got a hope in hell chance do you think for my creditors to accept payments. I only have my salary - my husband pays all the…
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Please Help Is This True
I made an enquiry with logic group about a full and final settlement apparently they said 10% off balance but i would be better to pay in full as apparently the amount i dont pay stays on my credit record forever even though they do not chase me for it and i will not be able to get further credit. Is this true ??? sounds a…
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SPECTRUM - anyone heard of them
just been talking to my friend (finally off loaded) she has been going through the same as us, only she hadn't heard payplan or cccs. she is going with a company called spectrum, she is still getting post and phonecalls (even though it is a year since she started the dmp) has anyone heard or dealt with this company of…
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Will my IVA affect my children?
I am six months into an IVA and soon my son (16) will want to open a bank account for when he leaves school.Will me having an IVA affect this when he goes to open one or does it not matter? :confused: I'm would be grateful if any of you clever folk could let me know the answer to this .
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Finally got my SOA sorted- help please!!
Hi Right here is my Income and Expenditure- hope someone can tell me where I am going wrong- according to this we are left with a little each month but I never see it!!! Hope it all makes sense- it has taken me 2 hours to sort out and there are still a few bills/papers i cant find so i have had to guess(put in brackets if…
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Employers and bankruptcy
Do employers have to know if someone becomes bankrupt?
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Still finding I am robbing Peter to pay Paul- help please
Hi I had my lightbulb moment back in December and have made a huge effort and changed gas/electric, car insurance,house insurance etc etc BUT despite being paid on the 25th we are nearly skint again!! I have DDs and SOs set up for the 26th/27th and I have been trying to pay everything else(council tax, water rates,…
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I checked experian and found something i had forgotten about.
Hi, I am new to this site, and what Ihave read so far has been great and has got me motivated in to not 'bury my head in the sand'. Between my partner and I, we are approx 12k in debt.Credit cards, store accounts and car loan. Some in my name and some in his, although these are 'joint debts' We have some good months and…
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how much have you spent today? 29/01/06
66p on sweeties for this afternoon for little ones 39p on pint of milk 1.09!!!!!! on can of redbull as i fancy a nice vodka redbull this evening!
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is it possible to cancel cc without paying full amount off.
Hi, I have two credit card debts I want rid of. Is it possible to cancel the cards and pay off monthly as usual or do they tend to want full amount.
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Can I save money by moving my loan?
I am 19 years old, I used to earn approx £1,100 per month but due to going back to college and reducing my hours I now only earn about £700 per month. I have the following debts. Credit Card: £800 (consolidated two cards to a 0% card.) Overdraft: £1,015 (over agreed limit of £1,000) Loan: £3,333.60 The loan is with my bank…
