-
bankruptcy and new bank accounts
hi i was wondering if anyone could advise me on the procedure regarding bankruptcy and bank accounts,i.e i set up a new bank account before i decided to apply for bankruptcy,as instructed, do i tell the court about this new bank account(its where my wages get paid into) and /or what are the actual implications regarding…
-
Debt Wizard Advice Needed!
Hello. I’m wondering if any of you debt wizards could give me some useful advice on how to tackle the following debt. Please see below: Monthly Income (Net): £1,362.55 Outgoings: Barclaycard: £20 approx. More Than: £37 approx. Capital One £60 approx. Finance Agreement 1 £58.33 Finance Agreement 2 £121.11 Finance Agreement…
-
why wont mortgage provider HELP ?
I am in the process of borrowing £29,000 over 25 years ( secured ) I have only one Default with a credit card.why wont my mortgage provider lend me the money? but will give permission for another lender to secure loan on my property lender not (on high St) I have a £65,000 mortgage and property valued at £140,000. Do you…
-
Cancelling my PPI with A&L...
I wrote off to A&L to cancel my PPI. The first letter came back and said that as the PPI was for the duration of the loan then they had to cancel the loan and then restructure a new loan. There was no details as to APR's of the new loan just an amount to pay each month (about £18 less than I have been paying). I wrote back…
-
What have you spent today Fri 12/05/06
nothing yet (too early) but am takeing a walk to lidl instead of catching the bus need to stock up on fruit and veg
-
Advice?
My friend took me out last night for a few diet cokes which was lovely. She listened to me go on about how i am hoping to be a little straighter finance wise by september butt hat i have learnt a very hard lesson and that i cant wait til i am completely debt free. We had a lovely catch up about what else has been going on…
-
What have you done DFW style Friday 12th MAy 05
Thought Id start this off. Taking a day off today again(!) to "sort stuff out" I have already sent an email requesting details of another job. About to do a yougov survey too. What have you done today??
-
Repayment agreements
I have repayment agreements for several cards which I have negotiated myself and been paying since 2001. Now one company (Co Op) have requested I increase my payments to 1% of the balance per month as they cannot continue to accept the amount I have been paying. I've written a letter of complaint as I am sure that the…
-
clear overdraft
Can anyone suggest what the best way to clear my current account overdraft of £700 is? cheers!
-
Who is responsible for our debt?
OK all, it's about time someone started this thread! Should we accept complete responsibility for our debt or does part of the blame rest with the financial institutions, fashion labels, car showrooms etc and their seductive advertising? Let the debate begin....
-
CitiCard
Hi im a new member been lurking here for months and got some good advice. I recon I will be paid up by August, i have a question though about CitiCard. I recieved a default letter from them asking for the the account to be brought into line by 19/05/06 the amount owing is £600 and a limit of £250. My question is what…
-
Oh dear, im another debt casualty!
At the minute I'm in around 12k of debt. I have always been good at paying my creditors until now, I'm always over drawn Nationwide have *reduced* my £750 overdraft limit to £600 and Ive missed a few payments to various creditors. I'm now ready to hold my hand up and shout "HELP" I'm thinking of contacting those concerned…
-
Waiting for the Bombs to Land..!!
Hi all, if you remember I posted several weeks ago re: our £60k Debt in loans, Overdrafts, CC's and Store Cards. I was considering a Never Never Consolidation Loan or whacking it on the already Maxed out mortgage, (Which I knew we didn't want, and probably couldnt get) and your comments confirmed it, AVOID at all costs,…
-
Turned down for the first time
Maybe this is on the wrong thread but I am a bit concerned. I have been paying off our debts by transferring them from 0% to 0% card. However, we applied for an American Express Amex card and we have been turned down. This is the first time we have ever been refused credit and I am now worried. Is this the beginning of the…
-
Bank charges reclaim from Lloyds
Hi, I sent off the standard letter off the https://www.bankcharges.info site to Lloyds to claim back some of the charges levied on my account, and they've sent me back a stock letter saying I knew the terms and conditions when I signed up and the overdraft excess is 'one of the few charges' on the account. They then say…
-
Bank Charges - £103 in 5 Days :-|
Hey, I know this is my fault for not having enough money in my account and forgetting to stop the direct debit but i've been bank charged in the last five days - £35 - £7 - Debit Card Misuse £38 - £12 - Direct Debit Bounce £30 - For going over my overdraft by the original £7 :rolleyes: *sighs* Oh wells. Tis Life.
-
Lost TNS website details
Hi I joined TNS some time back and I responded to their emails for surveys. I never seemed to find what my payment or reward would be. Today I thought I'd check the website, but I can't seem to find the right one? Can anyone point me in the right direction Thanks Greenwellies
-
Received this message from Egg...
Hi all, can someone help? I informed Egg this week that I have registered with PayPlan, gave them my reference number and asked that all correspondance regarding my account(s) now go through Payplan. I got this message from Egg today... "As you are now dealing with Payplan, a Default Notice will be issued on your accounts…
-
Student Loan Grief
I've been reading this forum with interest and I'm really impressed with the compassion and support for one another. Well done :) I have a problem too (which seems to pale in comparison to a lot of other people on here - HeavyHeart to name but one person...), basically my student loan has amounted to a grand total of…
-
Pigsback
What is it exactly? How does it work? Do I have to spend to qualify for what ever it is?
