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Boyfriend's debt
I'm sorry if this isn't the right forum for this...everyone seems really helpful here so I thought I would ask! I was just wondering if anyone has been in the same position as me or my boyfriend or if anyone has any thoughts on this...I'm pretty confused! My boyfriend told me when he first moved in with me that he was…
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advice
can someone tell me if after i pay of a trust deed will my credit rating be affected and for how long. i already have a morgage but wondered if i sold my flat to get a house would i struggle to get a morgage again. i reckon i would have a small deposit maybe 10k. thanks
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letter to debt collection agencies
Hi all. Here is a letter you can send to the DCAs to ask for a true copy of you credit agreements. If they have bought the debts from banks etc then they should have this, i will post some more letters that could be usefull shortly 1 High Street, Newtown, Kent R21 4RH June 28, 2006 The Loan Company Company House, Church…
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Remortgage with defaulted debts
Hi I've also posted on mortgage board.....appreciate any help I need some pointers on remortgaging cos i am in a bit of a tangle I am on a horrendous together mortgage form Northern rock with current interest of 7% APR. all payments to NR are up to date. I have not defaulted (yet) on the unsecured part as it is in joint…
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My story can you advise ?!!
Hi , i am thinking of what i can do at the moment i have 2 loans and 1 credit card at the moment and i am thinking of the best way to deal with this as all of this is with HSBC and i think this bank is the worst . The monthly payment comes to around 500 a month . can anyone suggest whats the best thing to do i do work and…
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I just can't cope anymore
I found out that the person id been seeing is not the person i thought they were. They have lied about everything. I met someone at work (in a pub) eight years ago and seven years ago we started going out. I only ever say him at weekends but things were good. Anyway he told me he worked for the MOD and as a result of that…
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Goodbye......for now!
Hi everyone, I am reluctantly having to say goodbye to MSE for the time being at least until our pc is up and running once more. I am currently having problems logging into this site and when I do and write something I get logged out and and have to start all over again. I am even having problems accessing the pages in…
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Newbie - In Debt Please help
Hi I need help! I am in debt and its now time to face the music. Me and my girlfriend bought a house last year and consolidated all of our loans together in one, but I think we have taken on a little too much, I am not poor, I can live, but I have no life at the moment. I get paid monthly, which deals with the debts, and…
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Sell or bankrupcy? all advice welcome!
I earn a decent amount of £2043.00 AFTER TAX, but fell into the trap of getting the secured debt around my kneck. I have £100 p/m to live on not including fuel, will i lose my house although there is negative equity? do i declare bankrupcy or sell? House Value £170,000.00 Mortgage £750.00 First secured loan £500.00 Second…
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Where do i start!!!
I desperately need some help deciding what debts are more important to pay off first! I have 6 debts (3 credit cards, one of which is defaulted, 2 loans and an overdraught) that i need to pay all of which i am paying at the minimum payments. By moving house recently i have managed to save my self a total of £300 and…
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Sell or bankrupcy? all advice welcome!
I earn a decent amount of £2043.00 AFTER TAX, but fell into the trap of getting the secured debt around my kneck. I have £100 p/m to live on not including fuel, will i lose my house although there is negative equity? do i declare bankrupcy or sell? House Value £170,000.00 Mortgage £750.00 First secured loan £500.00 Second…
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Horrible call with MBNA - help please
I have just had the most horrible call with MBNA about my Abbey Credit Card repayments. Last year I agreed a payment plan with them for £40 a month to start to clear my balance of £5000.00 (eekkk!) They took the payments automatically for 3 months and then stopped. When I called them they told me I needed to set up a…
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Experian - long but please HELP!
Just after some advice here, my OH is under the impression that someone is using his name since we have had some very strange post appearing recently, such as TSB thinking he was moving and there being a block on his account which means he can't apply for credit or even an overdraft. Anyway, he rang Lloyds TSB, who…
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in debt with paypal
hi this is my first post in these forums so please be gentle if this is a small problem but im after a bit advise if anyone can help. last year i sold a xbox 360 on ebay and recieved the payment through paypal transaction went through no problems. since then i havent used my paypal account or ebay account then early this…
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I can see the light!
I hope it is OK to post under DFW. I really wanted to share my positive vibes as I have had so much help and advice from others on here. I still have a small loan to pay off so I am still a DFW anyway. I joined the site when I found out about my hubby's gambling problem and took out an Egg flexible 10K loan to pay ooff…
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Please Help - Coming To The End Of The Road ....
I really hope that I can get some advice as I feel as though I am at the end of the road with these things ..... Apologies for it being a long one but best to tell everything .... I am a War Veteran that lost everything when I got PTSD (Post Traumatic Stress Disorder) from being at Gulf War 1 and a few other places. I was…
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International Credit Check Enquiry
Hi All, I'm new to the site, so I apologise if this is in the wrong area. I am currently looking into immigrating to South Africa and have a hit a factor which I never thought of. I have been told that Immigration actually do a credit check before accepting your application for Permanent Residency and let's just say my…
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Snowball - what am I doing wrong now???
Hi, I finally got all the numbers together for me and OH debts. I put them in the snowball - and in the payment section I put a number which I thought was around the minimum payments. When I calculated it - the first months payments were about £300 MORE than the figure I had put in the 'how much do you want to spend' What…
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Pay off 0% card or save money in ISA?
I have a 0% deal til April 2008 on my credit card. I am going to pay £150.00 a month off it and also put Quidco, Ebay earnings towards it so it'll be cleared before rate runs out. Should I pay the minimum each month and I save the extra money in my ISA and pay it off in bulk or pay the £150.00 off the card monthly? I know…
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Advice on direct debits
Hi, I am paying an extra £5 a month to Virgin Media for not paying via Direct Debit and they are just an example as I don't use Direct Debits for anything apart from the mortgage. The reason for this is because I pay our bills according to whenever money goes in there. My husbands pay date fluctuates a little whereas mine…
