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F & F void - want full payment
I had a full and final settlement arranged with Intrum Justicia. Debt was £1700 and the F & F was £1300. I'm about 8 days late in paying it because I was waiting for a third party to raise the cheque. I've now got the cheque to send to Intrum Justicia today. A woman from their legal department phoned me today and said the…
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student paying interest - advice needed!
I'm returning to uni as a mature student soon and will be in my final year, and am currently working part time 20 hrs. I have an outstanding debt with the collections agency DLC of £2,200(no interest),and have been struggling to make payments of £30/month to keep them off my back. I was called by one of their advisors and…
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New Credit Card and Bank Account with a very poor credit score?
HELP!!! IT IS MY FIRST THREAD SO FORGIVE ME YOU ALL OUT THERE IF I AM NOT DOING CORRECTLY, OR IF THIS THREAD ALREADY EXISTS, BUT I AM REALLY DESPERATE! First, I want to switch my credit card but every time I apply for one I am refused as my credit score is very bad. I do not have CCJ but have only one default, plenty of…
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Taking the plunge and confessing!
Hi all. Just being selfish and asking for some motivational tips....I have been on this website for a year now but have never really taken the plunge to look at my finances and add up all my debts. I know that they are totally crazy, and not out of control to the extent that I can't manage the repayments, but that my…
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Moving to a bad credit house?
A friend of mine is moving out of his rented accomodation and I was thinking about renting the property (owned by someone else). The thing is he is hopeless with money and has got himself into a bad way debt wise - if I can ever get a straight answer out of him I might be back here for your advice!! He has managed to get…
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Advice Needed
I dont know if this is the right place to post this, but I cant really see a relevant board for this. The situation is as follows. Currently I live with my nan, and for the past 2 years (ive been out and stopped this at times) little vandals have smashed in the side fence, I mean literally ripped it all out. Got on the…
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you know its one of them days when....
just got my payslip today and work has paid me short.. Sigh.... thankfully the bacs payments have not went out yet so it should be able to be sorted
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Tips on Supermarket shopping!
Hi I was wondering if someone could give me some tips. OH and I have decided that we are going to spend £40 a week on food/toilitries and dog food.This is for 2 adults and 1 large dog. I am currently following the WW plan----and therefore have to get certain low fat foods etc and foods with calories on so that I can work…
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Aaaaaaaaahhhhh!!!!!!!!!
I SAID YESTERDAY AFTER SAVING £40 A MONTH TAX CREDITS PUT OUR PAYMENTS DOWN £40 A WEEK AND TODAY WE RECIEVED A LETTER FROM THE COUNCIL STATING THAT THEY CALCULATED OUR BENEFITS WRONG (FROM 2 MONTHS AGO-WE DON'T GET BENEFITS ANYMORE!) AND WE OWE THEM £700.:mad: I AM ABSOLUTELY SICK,PIG SICK OF STUPID LIFE. THE COUNCIL ROUND…
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Envirophone cash back!
For all those selling their ancient mobile phones via envirophone- be aware quidco is now giving 1.46 as well!!
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Go ME!
Just checked my bank balance and I have not withdrawn a penny for a week! Go me!
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MBNA - again
There are so many threads about problems with MBNA on this site. Even though other Credit Card Companies come in for criticism on dealing with debtors, it does seem that MBNA certainly enjoys the Lion's Share of stick, without appearing to be phased in any way:rolleyes: I just thought that if we kept all comments/problems…
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Budgetting Tips
OH is now willing to sit down with me and workout our budget:T So tonight we will be sat down with the laptop sorting our budget in excel! Does anyone have any tips? List of things to include i.e. I always forget hairdressers, birthdays etc!
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quidico
hi, not really anything to do with debt-well it is really-i wanna change house fone companis and wondered if i would earn any cash on quidico if i do this through them? but whenever i search for quidico it brings me back here! can any1 put the sight on here please? thanx
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Our SOA
Firstly, thanks for all the brilliant advice on here that I have already been given, it was suggested that I should do a SOA so here goes: Income: Hubbys wages £2100 my wage £0 I'm a full time mum but am going back to work when my youngest starts school in September, so this will change soon, have an interview next wed £9…
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Credit File
I’m applying for a Mortgage soon & just paid back all my debt (cards/loans). Does anyone know how long it takes to show up on credit file, that it’s all been paid? Thanks in Advance
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Frederickson via Arrow Global & MBNA
In arrears with two MBNA credit cards. Offered loads of times a token payment (accepted by other creditors, not this lot of course). Debts were passed to Arrow Global (or is it Global Arrow?) and now seems to have been passed to Frederickson who are a DCA. They've sent me another letter (had a few recently asking for…
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Credit report
My daughter has just got her first credit report from Experian. There is a dbt of mine on there which has nothing to do with her. We are currently in an IVA. What does she have to do to remove this entry please?
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G.C.S.E. results - Will cost me a fortune!
DD has done fantastically well and got all A* in her GCSEs. She said weeks ago that her friends were getting £x for an A*, £y for an A and so on. We can't afford it and to be honest she tries really hard at everything she does purely for the challenge. I did joke that I would give her £50 per A*, but only if she got all…
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DPA - Late information
I hope one of the legal brains is lurking, and can offer me some advice: This follows the problems that I had experienced on car finance, culminating in the repossession of my car, despite my efforts to find an alternative solution with BH, and the issue, four months later of a demand for a further £1,700.00. I requested…
