-
Bankruptcy Info Links
Wanting these links for my own info really, but thought if I put them all in a post it might be helpful for others looking for help too. Will add to it as and when I find more. Feel free to reply with good links also, thanks. CAB Factsheet on Bankruptcy (.pdf file) National Debtline Bankruptcy Factsheet Bankruptcy and…
-
How long does it take?
I am with Payplan......it's going well (I think!). Five of my creditors have agreed to the DMP I have another Six to go........Does anyone know roughly how long it takes to sort the whole thing out........am I looking at months rather than weeks?
-
My story
Hi to all you wonderful people, you are all such an inspiration and I wish I'd found these boards a long time ago. My story starts approx 6 years ago. I won a bit of cash at the Bingo, not a huge amount but enough to sort out my credit card and store card and put some in the bank. I was working 6 days a week to keep afloat…
-
Saving Accounts...do they run a credit check against you??
Hi all, Just a quick question, I want to open a savings account and wondered whether the banks etc run a credit check for these as I have had bad credit in the past and don't want any unnecessary searches on my credit file, even if for a savings account. Thanks for any info received! Welshlass...
-
Thankyou
I just wanted to day thankyou to all who post on here. I have never posted an SOA, but I have been following all the threads on here for about 6 months now, and they have all inspired me to make inroads into my debt. As a result I am now feeling very positive about the future, as my OH has no debt, and I alwys felt so bad…
-
Could anyone please give me the link for ...
the snowball calculation thing????? Thanks xx
-
Took a bit debt to (hopefully) change my attitude for life...
Maybe I have no right to be on this board as, as far as things go, I'm not in much debt, or in trouble with it at all. I'm currently in my second year of studying for an english degree, and last year, like most people, took out my student loan without a thought. I spent it (as I live at home so no rent!) on going out,…
-
Is this Desparate?
Found an old post office savings account book (blue) it shows acurrent balance of £1 however between nov76 and april 84 it had £3 and 84 to April85 had £17 it has never had the intrest calculated ever and the £1 balance has been there since 85 untouched so stuck an old orange 1st class stamp I found on it ansent it off…
-
Missing Credit Information on Credit Reports
Firstly ... apologise if this is the wrong section. I have just recieved my credit reports from Experien and Equifax, and I can see all the Credit Agreements I have with various companies, i.e. Bank Accout, Credit Card, Loan, Mobile Phone Contract etc. However, for some reason, neither have any reference to my HSBC Bank…
-
Me v's Choice Catalogue/GCC Debt Recovery
I need some advice/help. So grab yourself a cuppa…. And so it begins…… My Choice catalogue balance in Dec 2003 stood at £798.96. On 7th January 2004 I made a payment of £701.00 by cheque (which was written by Welcome Finance). On my Choice statement dated 12th January 2004, I noticed the ‘payment received’ was entered as…
-
Mad moneysaving dreams?
At risk of me sounding like a complete nutter I thought I'd share this. I think debt free wannabe must have really penetrated my subconscious as I'm starting to dream about money related things now... The other day I dreamt that I'd got three £2 coins for the savers club and was really excited. Last night's was even better…
-
What have you spent today 13th March?
Hope nobody else starts this while I'm typing... Should be a no-spend for me today, have lunch with me and dinner at home. Not planning to go out anywhere tonight either. I had a very cheap weekend too, so it's all good :)
-
just started DMP, income increased, what happens now?
Has anyone been in the situation of having an increase in income whilst on a DMP with CCCS? My DMP is still in the negotiating stage (I made my first payment on 1st March) & I have to make a second appointment due to the income increase I recently had. However on working out my budget this now means that I can afford to…
-
Northern Rock?
Does anyone have any opinions/information on this company please. In the thread "debtmatters" I mention my friend's debt and most of it is a consolidation loan with this company at 5.9% I just wondered if this is a good rate. He says he won't find a lower one. Would be glad of any replies, thanks.
-
do i need to verify if a debt has been sold on to a dca?
One of my creditors, Egg, have passed on my debt to Moorcroft debt recovery. What is the usual procedure - do I need to phone Egg to check if they have indeed passed on the debt (all the details seem correct) or do I just reply directly to Moorcroft? They say that all payments must be made payable to them (Moorcroft)? Any…
-
Are we meeting up?
I have not been on for a bit and was just wondering if anything had been arranged about the big meetup that Ms London and others were trying to arrange?
-
whats the 2 pound club!!
Hi every one I've been really busy getting upto speed with all you money savers and I'm not doing to bad.. with alot of help from my mate lynne who's really good at this, so anyway when I've read a few threads at the bottom they say about the 2pound club can anyone explain to a newcomer please!
-
Advice about a payment protection
Hi We have a loan with the AA which finishes in Sept 08.I have finally(after weeks of searching!!) found the agreement and note that we have AA Creditcare added on at £576.00.Is this the payment protection? and if so can I cancel it now? The loan has been running for 2 years in August and is for 4 years in total. Once I…
-
a bit of good news at last!
Hello peeps, Just thought I would share my bit of good news with you all. I have down my bank (barclays) everyday it seems for the last week and they have been so helpful with my situation where the ex is concerned etc. Anyway they have managed to re-arrange my existing loan with a new loan for the same existing amount but…
-
ANYONE HEARD OF MY VESTA IVA's
Thinking of using my vest for our IVA's anyone used them all stories good or bad please. http://myvesta.org.uk/
