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To Much Debt
CAN ANYONE HELP ME WITH MY DEBTS :eek:
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Debt management companies experience
Anyone else had experience of these 'people' We went to a firm called Chase Saunders, they told us to pay them a monthly amount which would be divided up to our creditors. After we followed their instructions to stop paying the creditors direct, they took 17% as a fee and did not communicate with the creditors. End of a…
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What would you do in my position??
My situation is this: - My business is closing down with debts of £25000. HSBC have offered me a loan at the REDUCED rate of 12.1% over 12 years meaning I pay £325pm. I have applied for 2 other loans and although my credit rating is good I have been refused these. I think this is because I am only 3 weeks into employment…
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Please help
As a newbie I`ve read much on this excellent site over the last few weeks the advice and help given is amazing, here`s my problem Only income Pension Credit of £109.45pw, I am in poor health, live in rented accomodation, have no savings & very few assets my CC debts total £3000.00+ @ £86pm it`s a struggle although until…
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Newbie needing help!
Firstly to say what a fantastic site, one of the best sites on the web! After reading through this board and learning alot (been to CAB and they could not help me at all) but need some advice on translating my credit file I recently found i have had trouble getting any credit after getting my credit file found that a…
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DMP - Anyone had problems with creditors responding to letters?
I am in the process of informing all of my creditors that I am in financial difficulty and making offers of payment but some of them have not responded to my letters and when i phone them up they are denying all knowledge of ever recieving them. And then they are sending me letter saying that I have missed payments (even…
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Charging Order Update
I wrote a post a few weeks ago about my other half having a charging order on his property. To cut a long story short, OH has sent a cheque for the orginial judgement, plus 8% interest per yr and claimants costs. (Thanks to my parents lending it him) We got a letter back from claimant saying he has acknowledged the cheque…
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debt ghosts haunting me
i started a thread yesterday got some good advice just want to know about some old debts i have a mortgage (high rate), got two ccjs personally, one finishes in 2007 i think, maybe 2006 all other personal debts apart from one (4.2k) have had no contact from (def not too), i have moved a few times, dont want them to find…
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insolvency advice again
tondella/addicted to choc anyone ...... who may help I have some business issues, bank pulled overdraft, for 1000 other day, because i got a small ccj months ago, missed jan payment on a loan took out 6 months ago, (1800 left on that). so technically i am only a couple of weeks behind. Been on edge of overdraft for a few…
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Westcot Credit link harming my credit score ?
Around 2001 I got in a bit of bother with my credit card debts and went on repayment plans for all but one of them. Most of those cards have now either been paid off or significantly reduced and I went back to contractual payments about 2-3 years ago. The only card that didn't go on a plan, was a debt taken over by Westcot…
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Debt Free Help
Hi guys! Well I've a lot of debt in places and need advice on what people think I should do. HSBC Credit Card at 14.9% with £826.57 debt, paying £50 a month off. HSBC Student Acc with £1500 0% overdraft (currently at -£1200 at mo) - I use this overdraft to pay my rent and loan repayments. HSBC Graduate Loan at 7.9%…
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Declined Credit card-good credit!
I have recently applied for a credit card and have been declined. The company stated that there was no derrogatory information on my credit file but have considered everything! I appled for my credit files with experian and equifax, and I have never had any late payments or bad credit ever before, my report is totally…
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Littlewoods IBC?
Hello, its me again. to cut a long story short I owe Littlewoods catalogue £2464.38 and have been paying their finance company 65.00 each month towards the debt, setting this up every three months(cos thats how they do it) and paying a fee each time. They have now contacted me and said their policy to debt has changed and…
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bankruptcy refused
has anyone ever had their br refused ar court or know of anyone that has ?
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Worse that a kid waiting 4 Xmas!!
I'm soooo impatient!! :mad: ;) :D :D :D I had car accident 15mths ago (not my fault btw), and finally the insurance of the third party has seen sense and have offered a settlement! but the money has to be paid into the Court Fund and then my solicitor has to apply for it..then the court will issue the money to the…
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Overdraft problem - please help
Hi, I am a final year student, i have 2 bank accounts, i'll call them bank h and bank n. Both were originally current accounts. I decided a needed a overdraft, so i made Bank h an student account at the start of last year (and got a £1250 OD). Towards the middle of last year i had used about £1240 of it. Yesterday i went…
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Reached debt-free day? Shout about it!
Hello all, I've been reading the superb advice on here for some time - such a great network of people out to help each other. I'm a journalism student at City University, and would like to have a chat with someone who's recently become debt-free and is feeling miles better for it! Were you stuck with an awful amount of…
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How much you spent today 26/01/06
well havent spent anything yet but im going to spend 35p cos i need to get a paper to read at lunch, train was cancelled today so i couldnt get a free copy of the metro :(
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Shocking
Im just sitting here thinking about payday tomorrow and what im going to pay to who etc. I realised that i pay anywhere between £600-800 per month off on my debts! It got me thinking about what i oculd have if i didnt have debts. Lst year we paid less than £600 for 3 of us to fly to America - i could do that each month if…
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in a mess big style
Hi, I'm in a huge financial mess, and I mean huge!! I am very embarressed about it. I have buried my head in the sand and now I need to face up to it. I split with my husband and was suddenly faced with all this debt, none of which he is liable for, yes I know, I'm stupid. Anyway, what I need to know is this....my credit…
