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egg card.....so frustrated
I recently realised that I was paying payment protection premiums on my egg card, even though I never signed up for this insurance as its no good to me. Contacted egg who have admitted that they have no proof I ever asked for it - no signed agreement, no letters ever issued to me, no emails. They say they have a note that…
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Need help desperately
I'm a single mother with debts of £12854.82p. The breakdown is as follows with the interest rates and limits in brackets HSBC Overdraft 1730.65 @ 15.9% HSBC credit card 4662.14 (6660.00 limit, 15.9%) HSBC Flexi loan 2347.77(15.9%) HSBC Personal loan 4114.26 (7.9%) - this also includes a PPP which I stupidly signed up for…
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food shopping
Hi to you all I'm new to all this so forgive me if you've heard all this before! I discovered this site last night and finally came to my senses and realised i need help. I am in serious debt but and after reading some posts i feel determined to finally sort myself out. I'm half way through writing down my soa and will…
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Fast Cash!!
Hi just thought i'd ask! can anyone give me any idea's other than ebay or paid surveys to get some fast 'cash' ie not vouchers etc! really wanna blast some debt that's doing my head in the quicker the better! what about these work from home websites? are they always a scam? has anyone ever done one? thanks in advance guys!…
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Constant phonecalls...
Hi there, HSBC are constantly phoning me with regard to my debt and I find it really stressful. I have a loan with them that I was struggling to pay so went through CCCS in April. As they won't accept my lower payments they're looking to issue default notice etc, which is fine if they want to do that. I keep them…
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claming back bank charges - I WON!!!
Thanks to this brilliant site, i received a letter from HSBC's solictors saying they would refund my £258 worth of bank charges! so anyone who hasnt done this yet, please do it! - it really works!
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Concerned that CCCS have done NOTHING!
I convinced my partner to contact CCCS at the beginning of August as he had recently had a change of circumstances which meant a lot less income and he couldn't keep up with even the minimum payments on his debts. He had to wait about 10 days for his initial appointment which was in mid-august and then we sent all the…
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How much have/will you spend today Mon 25/9?
Good morning DFWs :hello: New week, new start....I just wish I didn't feel like crawling back into bed for a few hours. OH and I had a lovely evening watching DVDs and drinking wine and although I don't have a hangover, I feel I need more beauty sleep :o I've got weight loss club tomorrow and something tells me I will…
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TahDahhhhhhhhhh
For the first time in about three years, my debt is below £2000! See, it is possible! Thanks everyone who helped xxx Kat
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How to claim under Direct Debit Gurantee?
What are the magic words to say to your bank to get a refund under the Direct Debit Gurantee. Sky have overcharged me. When I had this problem before, the bank said it would take a few days as they would need to talk with Sky? I thought refunds were immediate under the gurantee?
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Going Over your Overdraft By 1 day (£1.20) - Affect credit rating?
I paid a cheque into the account and I mis-calculated when the cheque would clear. My Account is now £1.20 over its authorised Overdraft due to a direct debit and will be for 24 hours as the cheque clears tomorrow. Will this affect my credit rating and will the bank issue a fine? The bank is Abbey. Many Thanks. I'll ring…
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IVA Annual review + DFD
Hi there If any of you are in an IVA with DFD can you tell me what they require from an annual review? On our terms and conditions it is written they need 12 months wage slips and P60's, they don't mention bank statements but I'm assuming they will need them too as otherwise how do you prove your SOA are correct???? Also…
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RE Bankruptcy, advice filling form in online please!
Hi Guys, I'm wading through the online form and it is asking dates incurred on my debts. Trouble is I have no idea what dates I took the accounts/overdraft out etc and it won't let me bypass this if I leave it blank. I know the dates of my loans, but not the dates I got my CC, my catalogue and my when my overdraft started.…
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7 Days a week
Am working 7 days a week to get rid of my debt....am tired....but it will be gone soon....only a little way to go.... zzzZZZ
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DFW no.?
Hi guys - how can I find out what DFW number I am?
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Catch 22 situation with new job
I'm in one of those good news/bad news situations... I just got offered a new Job -- It's in central London though. They want me to give them a figure for a salary I want and they'll see what they can do. I'm earning 22K now but my living costs are so cheap here in Manchester. The extra money I get from the job will be…
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Being Financial Linked
If you had a mortgage with someone and also had a joint bank account with that person but paid off the mortgage and closed the joint bank account are you still considered to be financially linked to that person? If not, how long does it take to be unlinked to that person?
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Need some ideas for keeping track.
Hi folks. I need some ideas to help keep track of my financial situation. At the moment I have got excel spreadsheets and I am finding them a right pain in the butt to be honest. i am a web developer, so for me, I will be building my own application. I have this basic excel spreadsheet, 2 columns, payments and spendings.…
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Default Notice & CCJ summons - help my mum!
Hi My mum has been in debt as long as I can remember. She's sought the advice of CCCS and for the last few years has been paying her creditors at the rate of £1 per month, obviously this is subject to an annual review. This year, one of the creditors called her up for an update. Normally a man rings her. This time, it was…
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Repossession??
We sold our house in April of this year and moved into rented before the sale was completed,for two reasons. One because we really didn't get on with our neighbours and two because it is going to be cheaper renting than paying our first and second charge on the property.(a saving of £275 per month). Because of a dramatic…
