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Cabot & CCS full and final settlement
Hi. Hope someone can help. I’m helping someone who has two small debts that were originally 900 to Barclaycard, 1000 to LloydsTSB. The Barclaycard one has gone to Westcot and now to Cabot. The LTSB one has gone to Moorcroft, Midas and now CCS. He is on JSA and really can’t afford any payment towards these. His Dad has…
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Patners and Money
Hi I got in to debt years ago, and ended up with over £10k worth of debts ( just found a letter I wrote 3 years back stating that and thought how well I done to get it down to less than £5k now) anyway I'm trying to get my g/f to realise that she careless with money. She already has £10k worth of debt and is about to get…
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What a mess :(
Firstly apologies if this is in the wrong place! I have been coming on this site for a couple of months now and have finally sat down to work my sorry state of affairs out. I have got myself into a terrible mess with borrowing over the last 12 years or so. I have had loans and cards then bigger loans to pay the cards and…
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BFS Finance + 1and1 Hosting *UPDATED*
Hi all. Hope i could get some advice before i contact them again but not on the phone but email them[ = proof of whats said;) ]. Right; from the beginning. I was on 1and1 business hosting @ £10.56/month with a ssl certificate until i decided at the end of june to switch to my new provider. At this time I owed 1and1 1…
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Good vibes rock!!!!
Hi guys! A couple of weeks ago I posted a message asking for everyone's good/positive vibes as I was applying for a new job that would give me a massive pay rise. And it worked (well so far!) I have an interview on Thursday - so please keep the positive vibes flowing!!!!! Cheers Louise :T :T :T
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My Outgoings
Hiya I thought I would add up my monthly bills, as I need to start putting away for my 2nd honeymoon, 3 weeks in Florida at Christmas. I also need to make a concerted effort to reduce my credit card. I owe about £500 on Next Directory £2700 on Virgin CC, I have applied for a Mint card but they have only given me a limit of…
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DIY Will
Sorry if this is on wrong board but was not sure where to post it. We are now 14 months into IVA and have decided we had better update our wills. Our current wills made provision for our 6 kids to get 10k each and then all other going to the other person. (me and hubby) My problem is do we go back to solicitor, he charged…
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5 years on credit file in Scotland??
I read the following statement on a thread and wondered if anyone knew anymore about it 'Defaults and adverse information will stay on your file for up to 6 years (5 years Scotland)' Why is it different for scotland?? Is that if you live in scotland or if the company you got credit from is based in scotland. I am Scottish…
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i have recieved a p46 form for mystery shopping
what is a p46?
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Is a refund to a credit card not a 'payment'?
Apologies if this is covered anywhere else. A colleague in my office has a credit card with 1000 limit. It was at £990 approx. and she was due a refund of £102 (or thereabouts) which went onto her card on the 25th of the month, and the payment due date was 30th of the month. As she was short on cash she didnt make the…
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Credit file advice please...
I was in a protected scottish trust deed until recently so have just started going through my credit files to see how bad they are ! A lot of the debts that were in my trust deed have now dropped off but there are 2 left: one which will drop off in 2007 and one which will drop off in 2008. Both are showing as satified. My…
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No reply to my offer letters
A couple of weeks ago I wrote to my creditors offering monthly payments ranging from £70 to £30, to keep them happy until I can pay them off. I enclosed a cheque in my letters (as per debtline advice). All of the cheques have been cashed, not one of the creditors has repiled since. No standing order form, no letter saying…
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CCCS - Should I make that step?
Hi everyone!! Well DD time is nearly upon us again and i just dont think i will have the money tbh.....am thinking of ringing CCCS and asking them to set me up a DMP.... I originally spoke to them in Septemner 05 but didnt go through with it as my hubby and I thought we could just muddle through as we were worried or the…
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You lot rock!
Hello, May I introduce myself as a lurker for a the last few months with two credit card debts of just over £2100 in total. Although I must confess - I have not managed to get my lightbulb completely switched on it is flickering at a rate of knots these days! I have been on here since another board I belong to ran a…
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what have you spent today 20th june 2006?
absolutely nothing - brought in lunch for work from home as always :)
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Working towards being debt free
I guess I'm just feeling a bit tired, worked 40 hours over the weekend in 2 days and today apart from popping in here every couple of hours or so I have been hard at it since 7 am. I turned down a remortgage today, a good deal, saving me a bit of cash, but more debt all the same. So, I said thanks but no. 2 weeks ago I…
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Small Overdraft Debts
Hi guys. Im a student at Uni (don't hate me lol) entering my 3rd year which is a 'work placement year'. I have total overdraft debts of £2,450 spread over 2 'interest free' student bank accounts (Halifax and HSBC). I have devised a plan to pay off these debts over the coming 12 months and have therefore worked out what I…
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Winging It
xdvm.kvckncvnc, mn,mcnvnc,m n,mc n
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Update on my debt busting
Hi all, After your positive comments when I joined this forum I thought I would post again with a few updates 6 months on. Around Christmas time I bit the bullet and faced up to the fact that my debts were following me around and I was making no real attempt to cut them down, just pay the minimum month after month and keep…
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Need some help making a decision
I know this is a decision I have to make on my own but I guess I want to just get some input from others, this is kind of debt related but feel free to move the post if needed. Last year I hit a low and I found God, I attended church on a pretty regular basis but that's slowly stopped because I have two jobs and I'm…
