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Bank putting pressure on me to pay in full!
Can anyone help. I am quite desperate at the moment. I have been reclaiming my bank charges and it has got to the allocation questionaire stage. I will be filing that on Monday. However, following my redundancy in Feb the bank returned lots of dd's which really drove the charges up. I contacted the bank and informed them…
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Help
After taking help from CCCS I have decided to make myself bankrupt I have a few questions I hope this forum might be able to help me with: Egg have will not let me to make a payment to the Tax man using monies in my saving account - is there a way I can free up this money - £1200? I have no assets and at the moment live…
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Any advice is great - We have made a big decision - BANKRUPCY IS HERE....
Here goes, Right, My Partner and I have been chatting on here for a while and today after yet another surprise letter demanding money we have decided that our best and only option left is to claim Bankrupcy. We owned a pub that went bust, I wont go into the inns and outs but we were SH88T upon from a great height and were…
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I need help with debt
Hi everyone I have just spent the last few hours scouring this site for info on debt. I have found lots of useful info. I have read some harrowing threads with people alot worse than me. I don't want to sound terrible but it did make me feel a bit better. I thought I was the only one with problems. This may be a bit…
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Late Payment
Sorry if this is in the wrong forum. I got a USC store card which I purchased goods totalling £96 which I sent them a cheque for the full amount dated 2nd December 2005. I received a phone call from Creation (which is the credit company USC use) about the middle of Decenber saying they had never received my cheque, i told…
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what are my options?
hi everyone! In a bit of a financial mess but my main problem is we own a flat but seriously want to move to a house, what are my options- currently own a flat bought for £57,000 currently worth £ 80,000 have £20,000 worth of unsecured debt currently being handled by cccs through a DMP what's best- remortgage, forget the…
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made my first payment to cccs
well my wife payed it for me lol......:beer: feel a bit better about things now, but now waiting for the nasty letters to arrive...
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Business Account
Am trying t open a business account but have debt which is being managed by Payplan. Have bad credit score have been turned down by one bank. Which bank is more likely to give me a chance. Business doing well just need an account.
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Been out all morning earning money!!!
And I have the cuts and bruises to prove it!!! A friend of mine cleans a holiday cottage, and they were looking for someone to tidy up the garden, so I said I would do it, earn some extra money!! Its been bloomin hard work, it was worse than it looked, lots of brambles, and weeds, and I haven't even finished it yet!! I…
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This does work. Dont doubt peoples advise
Hi I came on here some months back with dire financial problems. I follwoed a lot of advis eon here , looked at thousands of posts and am now starting to feel the benfit of taling to creditors. Ok , my credit rating is shot to pieces , but I dont wnat credit anymore or ever again. Anyhow , the advise on budgetting has…
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what can we do??
Hi everyone, Me and my girlfriend have a 1 bedroom flat currently valued at £80,000 paid 57,000 for it, we desperately want to move to a house but I am stuck on a DMP! how can we achieve our dreams or are we stuck in this flat forever?:mad: what can we do? Best Wishes Luke
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Going bankrupt
I posted a few days ago with a long post about my situation - applied for an IVA which all creditors except 1 (the biggest one) accepted. So we were looking for another solution. We have almost definately decided to file for bankruptcy, but need a few questions answering first. We have decided on this because the amount we…
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Newbie with a lightbulb moment !
Hi people. Just thought I'd do a post to say hello and introduce me ! I am currently in the midst of paying of a bank loan of over £17k :eek: which started off as a respectable £3k which should have only been for £1k (the bank said I'd get a better rate if I took £3k) anywho that was three years ago and as you can see…
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joint loans
My sister's OH has left her and it turns out he had lots of debt. According to her he had loans which she had also signed for but as she wasn't working and he earns £50+ why would she be a co signatee? Now she can't get a mortgage cos the debts were in joint names and he wasn't paying them so she is blacklisted. I think…
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Positive Mental Attitude
following on from my positive mental attitude post yesterday..i wondered what you guys are doing to improve your attitudes towards money and life in general. i listen to tapes that are motivational and inspire me to pay off my debts and create a financially secure future. i have a life plan and can visualise what i would…
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Ooo the bailiffs are coming, how exciting ANOTHER UPDATE!
I've just had a heated discussion with a lovely lady from 'Debt Managers Ltd'. I had a final bill from Britannia Music at the end of June, which I duly paid by return by cheque. Britannia cashed the cheque last week. However, between me sending the cheque and them cashing it, they referred me to the above debt collection…
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good news - broadband is working at last and I've been headhunted for a job.....
Hi all It's been a difficult couple of weeks - still no job (and even less money) and the internet has been out of action due to a change of ISP(which has left me without the brill support and guidance of this site:-( ) Just yesterday I got a call out of the blue, from a manager within the company that recently made me…
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WOW - Freecycle and WOW - Quidco
Been on Quidco for a few months and racked up over £500 so far. Join it! Especially if you have a bit of money to 'invest' in bingo sites etc. (be strict to only deposit and play with the necessary amount. Now I've finally joined Freecycle, and wow! Everyone should take a look at this site. Go to freecycle.org and there's…
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Checking a credit rating
Please can someone tell me how to do this? I did it once (seem to remember sending £2 to two companies), but can no longer remember. Thanks.
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Bank Bankruptcy
Advice needed for a friend Short version of a long story. She has 2 kids, both with disabilities. Ex partner couldn't get credit, she ran up several debts now totalling over £20000 (well that's the ones she has shown me maybe more) then he left leaving her with everything to pay. A company have sent her a letter…
