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Starting to feel in control again!!
the last few weeks have been really hard and its a long stretch ahead, but i am now starting to feel in control again. I have had replies from all but one of my creditors and all agreed my plan give or take a couple of pounds. I have finally got some extra work bring in few more pennies. I have worked through my bank…
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Not a good month
I have fallen off the wagon a bit this month:mad: . I had a few large bills (car insurance) and less money coming in this month so I had to use Morgan Stanley cheques to help me out a bit:o On the plus side though I know I can do it and I have increased my hours in work from 24 to 30 per week so this will help me out a…
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Friday Night DFW Staying In Club
Bon soir, chaps and chapesses! Who's "in" tonight and what are you doing? I finished my exams today :T so I'm watching the BB evictions with a lovely bottle of pink fizz while painting my nails (all of them) bright red. Had a bit of a spend today but mostly on essentials. I'll include the fab black jacket in that - my…
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I am a Bad money saver.... sorry!
I was doing so well, with money saving and weight loss!! Weight loss still going well, but money saving has been a disaster. I am therefore setting today to be my new lightbulb moment. I feel very dissapointed in myself. My debts are no higher than they were in March - but unfortunately no less. I have changed mobile…
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Debt collection agencies
hi all! I'm currently on a DMP with cccs, had a letter today from 1 of my creditors threatening to pass my account over to a debt collection agency if I don't contact them within 7 days my question is this; If the debt was handed over to a debt collection agency, do they continue to charge interest on a weekly/monthly…
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approaching wits end!
Aaaaaaaaaaarrrrrrrrrrrrrgggggggggggghhhhhhhhhhhhh! I have just sat here for about 2 hours browsing this fab site. although i haven't actually got anywhere - my head's in a whirl and i need help! We're all here for the same reason - money money money. I used to be in a very well paid job (which i hated) since i have taken a…
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Job Advice Please
Hi Sorry if this is in the wrong place but I could do with a bit of advice. I'm in a team of 5 at work where one person has recently left. Its a flat structure but people in the team have varying levels of experience (its in finance so there are people qualified/part qualified/qualified by experience). Essentially…
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cccs question
this is my first post i am in a lot of debt and have spent a while reading the forums it seems as tho that getting cccs style plan is my best bet if i do this will it affect my ability to get a mortgage in the future
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Need your maths help please gang
Hi Me & OH are confused here. OH has a cahoot flexi loan that has a 3k limit. He pays off a standard 60 a month, plus 25 interest a month. The APRs have been jumping up massively from 5.8 last year to 11.9 now, and they seem to have been rising monthly. Needless to say we have found a 0% deal with b/card but they only gave…
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what to do
ok slowly paying off stuff that we owe and each month the figure goes down and it all going smoothly. only problem is with one company at the moment - (the moorcroft group) they hold the debt for hubbys creditcard it had balance of £280 on - i made minimum payment of £50 when the statment came in at beginning of this month…
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A charge on my house
I posted on here a while ago about the bad financial situation my ex-husband left me in. I have a payment plan set up with CCCS now that has been going well, I pay an agreed monthly amount,as much as I can afford. I received a letter today fro weightmans, a legal firm, (debt from HFC)who have advised me that they are not…
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CCJ secured on property, Can I remortgage??
I have a ccj secured on my propert for about £5000. I have been paying a token amount for a while now, but I have other debts and I really would like to solve them all in one hit. Problem is, I cant remortgage without paying the full ccj amount can I? The amount is very high, with bank charges and stuff but goes back to…
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Need help to clear debt befoe uni starts in sept
Hi Everyone. Would appreciate if any have any advice. It all started when me & my partner bought our first home 2 1/2 yrs ago. We couldn't afford a decent home on our wages, so my mum said she would help us out with a joint mortgage in mine and hers name. So we bought our dream house. My mum is paying 1/3 of the mortgage…
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Phone calls from creditors
Does anyone know how many times a company can call you if you have a debt with them? I have a bank account debt with LLoydsTSB which is being paid through CCCS, I also had a loan which was being paid by protection loan agreement which came to an end on Monday of this week. Its not my biggest debt its actually one of the…
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Data protection
I know this isn't the right forum to be asking this in really, but i know its full of people who their stuff. I want to do a data protection thingy on a company, but instead of just sending a ten pound cheque to cover the expenses can I send legal tender to the value of ten pounds instead, just to inconvenience further the…
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Paying off my 2 credit card balances - advice
Hiya, I have 2 visa cards with about £6000 on each. They are both at the credit limit. About half my monthly payment goes to paying interest. I am in a position to pay £6000 to one card or I can split the £6000 between the 2 cards. What is the best thing to do? In a few months I will probably be able to get a 0% card and…
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Suject Access Report on old debt
Hi, this is my first post and I hope someone can give me a bit of advice. I received a letter from a collection agency today requesting payment for an old debt which was not on my credit report last time I checked. I am fairly sure that I have had no contact with anyone regarding this debt for over 6 years. I found a…
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Standard Life shares - sell & pay debt/keep?
Forgot to say - the other good news is that I will have some shares from Standard Life when they demutalise. Now, previously in another life I would have sold them and spent the money. The new me is wondering what to do? I could 1. Sell the shares - not many only 253 bit of money - and pay it off my debt. 2. Keep the…
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DMP - Barclaycard won't accept payment??
I have been sorting out my own DMP plan now for the last 6 months. All of my creditors have now accepted my reduced payment offer with the exception fo Barclayard. They have defaulted my account and have passed the debt onto MERCERs debt collection. Mercers are refusing to accept my payment offer as it I am offering less…
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my first post. Advice please.
Hello all. I have discovered this site recently and realsise how helpful everyone is. My situation is this. I have just bought a house with my oh. The mortgage is in my name as her credit history is not good from 2-3 years ago. I have recently seen her experian report with her consent and it is quite extensive. far worse…
