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payplan and DMP advice needed
Hello All I was wondering if anyone might be able to help me? I am in a DMP with payplan and I have just under £13k to pay back, debt was originally approx £33k. As I have already paid just over 60% of my total debt back, I was wondering whether if I had say £6000 to offer them for full repayment of all the debts in the…
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credit services association
Hi http://www.csa-uk.com/UK%20Members%20List.htm Just discovered this site and it seems quite useful for debt collector contact details. There are a lot of non-0870 numbers for them that might be useful, plus a list of what they actually do. And if they misbehave, it's another organisation to copy your complaint to. They…
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Need some advice please nerds :)
Hi guys, I hope you can help me. I have a debt, which started with o2 at £900 (one months phone bill. Don't ask - yet again their so called credit limit failed, and my XDA racked up the data costs). This got passed to Bucannon Clark and Wells who immediatly racked it up to £1,300. I called when I recieved the first letter…
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Great Day!! Now Debt Free!!
Hi all. Our car insurance cheque finally cleared today (after going to a solicitor to get it!!) so i have paid off all our debts and we are now £6K in credit!!! Can't believe it!!:j I never got round to posting our SOA, but after lurking for a few months and picking up hundreds of great tips and ideas, we have reached our…
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Payplan advice please
After all the brilliant advice on this site (thank you all so much), I finially decided to bite the bullet and contact Payplan to sort out my debts and I'm so much happier and less stressed it's unbelievable. Anyway I wonder if anyone can give me some advice on this issue. I have a car on one of these 3 year deals which…
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Help! I just don't know what to do!
Hi I require some urgent help with a problem debt that I have with the mobile phone company 3. i had a 12 month mobile phone contract with 3. The 12 month contract ended, but I continued to use my phone for a couple of months past this date whilst i sorted out a new contract. I got myself a new contract and wrote a letter…
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What an eventful day!
This happened yesterday, I would have posted it then but me keyboard is playing silly !!!!!!s. My vibrating battery for me mobile has bust too! Grrr!! One thing after another!!!! OK, here's what happened yesterday in the space of a few hours. I don't know if I'm making progress or wasting time. 1. Capital One I wrote a few…
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operation "debt free by 25"
Right we currently owe the following Rac loan £9180 8.9% Halifax loan £18000 6.5% Car finance £8600 11% 0% cc (9 months) £1470 (currently alot lower bUt plan to pay next years car insurance in full on it and next balance which brings it to £1470 0% cc (9 months) £2297 overdrafts £1500 13.9% CURRENT INCOME PER MONTH ME…
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Starting an IVA
Hi, i'm in the process of trying to set something up with CAB and i'm doing my SOA. However as i live at home at the moment but planning to move out how do i sort my living costs out? If i put down what i pay now and then if i move out can the IVA be altered or is it set? Anyone have any examples of how much to put down…
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I'll cook what do you fancy?
As i've had such a good week and have enjoyed the sleepover and other parties I think its my turn to be hostess. What would you like to eat and what drinks should I get?
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Cheer for Co-Op. Boo for HSBC
OH and I received 2 letters yesterday Cheer for Co-op Credit card saying that they've accepted the payment plan from the CCCS. :D BOO to HSBC 1. Rejected CCCS offer 2. Ringing me at work and trying to get me to pay them money.:mad: 3. Telling me CCCS payments would be used to pay charges and interest. I didn't have time to…
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Can virgin credit card do this
They told me over the phone (twice) that I had been approved for a card & a credit limit of 5k and then when I called today as I'd received nothing, they said that when my application had gone for a final decision, the application had been declined. They said a letter was posted a few days ago to advise me but nothing in…
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Payplan
Hi all jsut a question is payplan and CCCS any good to go with? do they charge for helping with the debts?? or charge fro handling money between us and creditors? (harrington brroks take about £29 each time) do we pay our creditors through them? or directly from us with the amount they agree?
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Grrrrr estate agents
Had the house valued today - they valued it at about 5K less than I did. Fools. Don't they know that their 25 years experience in estate agency means nothing compared to my 10 years experience of being a typist?:D Anyway, phoned the bank (One account) and they won't lend us the money to buy, because of Mr A's…
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Lightbulb Moment
Hi All, This is my first post as I have finally reached my lightbulb moment and after reading some of the various posts on this forum I would like to try and regain control of my finances. I am 29 years of age and I'm married with 2 young children. My wife does not work as she stays at home to look after the children so my…
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Complaint supermarket - 200% brand guarentee!
Hi Everyone, I don't know if I have posted this on the right place but I this is my first proper 'consumer revenge' mission... I bought some cereal from a well know 'bottom-slapping' supermarket (their own brand) and it was vile - tasted like rabbit food. I noticed a thing on the side that said if you weren't happy to ring…
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Need Advice As Major Debt Problem
A relative has major problems he is 42000 pounds in debt which is loans and credit cards and a 7000 pound over draft almost to its limit and he has just lost his job and he is seperated from his wife. He has no assets no income and he is with a company called all clear finance for a IVA. What are his options in regarding…
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Problem with Equita - please advise!
As some of already know, i have stepped in to help my mum out with her finances. One of her debts was unpaid council tax from last year, which had been passed over to Equita. Basically, Mum owed approx £300 for this debt. It got to the stage where they kept threatening to send the bailiffs around, etc. Because Mum works,…
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Westcot help needed
Recently my niece, who has the same surname as me, opened a catalogue account in her name at my address for me. I've only lived here since November last year and one of the previous occupants has the same first name as my niece (my niece is single). Last week a letter arrived to Mrs K (my niece's first name) and then our…
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in desperate need!!!! for advice
hi all, i am in desperate need for advice on debts, my partner and i have cleared quite a lot of debts that were left by his ex partner after leaving their shop in limbo. i came a long and have helped out loads. i moved in with him and rent my house out. my only problem is now we found out that his partner never sorted out…
