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help again please
Hi again you may have seen my soa from a previous thread.Basically I really dont know what to do now... owe o2 360 hsbc loan 15000 hsbc credit card 2000 egg card 5000 hsbc overdraft 300 I am currently overdrawn with my new bank by 300 Have 20 a week for this month (April) Have worked out that next month I will have £40 for…
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F&F on Repossession Shortfall
Hi All My husband had his house repossessed in 1999 (before he met me) and walked away from a shortfall of £18k after Halifax sold his house for £10k (he bought it for £20k). In 2005 (just before it expired) he was contacted by an intermediary company about the debt. To cut a long story short, we have had loads of letters…
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Self help tapes and DVDs
I wonder if anyone has tried any of the self help tapes, CDs or DVDs and if they have had any success. I've read a lot of the Rich dad stuff, and found it quite good, and I like Tony Robbins.
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Nt - Hell!!!!!!!!!!!!!!!!!!!!
HI If in the wrong place please feel free to move it!!!!! Argh…..NT –Hell!!!!! Or Virgin as they are now known (rather apt since they don’t know what they’re doing lol!:rotfl: ) are being a pain in the bum. We owe them £260 due to a series of !!!! ups by them. Firstly I sent my new bank details and they went to the wrong…
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Post Dated cheques - advice needed please!
Can anyone advise me on a very sticky situation? I wrote a cheque for some work I had done & as it was a very large cheque, the supplier agreed I could post date it for 6 weeks time. It has arrived in my account 4 weeks before the due day, which has sent my account haywire. I phoned my bank as soon as I saw it on my…
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Spending too much :-(
Our incomings exceed our outgoings, not on things like mortgage and bills but just spending. It's not even a lightbulb moment as the ease in which I've just got a loan and taken it in my stride is frightening. Every 2 years or so we remortgage to cover the exccess and carry on. But I don't want to carry on like this. For…
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What have/will you spend today - Tuesday 10th April?
Nearly the middle of April! Where does the year go! I have to set up a savings account today as I MUST drip weekly money into it for my holiday in July - hope I can stick to it! Today will be a NSD for me (AFAIK!) :T Keep it low (Miss ya Moozie!) Catt xx
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Help with CCJ removal and for N244
Hi can anyone help me with removing an Unknown CCJ I recently found out when applying for a credit card that I had a CCJ against my name from 3 years ago! I never received any of the documentation regarding the fine or judgment as I had moved house. The judgment was from the DVLA for a unpaid fine. I have paid the fine now…
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Been Refused a bank account
i have been refused a business bank account by HSBC and advised by Lloyds TSB that i cant have an account. can somebody please help me. all i need is a basic account to pay my wages and tax from. I am now desparate as i havn;t been paid for three weeks waiting for this.:o
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Newbie alert!
Hi all :D I'm new on here, I'm looking to sort out my debts cos I'm sick of stressing & worrying about them all the time. :o I'll be honest, at the moment I don't know exactly how much I owe, I'm in the process of finding out. I was going to send off to Experian & Equifax to check which companies, how much etc etc. I've…
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Credit Report Query
I've just logged online and checked my report. I re-mortgaged in 2005 from Northern Rock to Halifax. The Northern Rock loan was a 'Together' mortgage where they give you a 100% mortgage but 5% of it was a loan to act as deposit. The loan part says settled and balance of £0 but the mortgage part says: Company name: NORTHERN…
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Threatening Letter ????
Hi, I recieved a letter today from a debt collection agency (Mackenzie Hall) asking me for £325.04 for a debt I owe to a company called Acquired Debt Limited. It is addressed to my maiden name. It states if I don't pay then litigation proceedings will be taken against me if I don't make a first payment by standing order by…
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Letter re not my debt? please
Hi, I remember somewhere on here being a letter asking for proof of the debt they are asking to pay, i have a letter from Westcot asking for £222 for a debt with 3 mobile which i have asked for proof of before i haven't had a contract with them for years and when it ended it was on a nil balance. Any help greatly recieved…
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Worried about my brother
Hi everyone, Im really worried about my brother, hes in so much debt, and im afraid to say he hasnt had his lightbulb moment yet. Him and his wife have a beautiful home, but, its all through debt. Everytime, he runs up debt, he takes out a loan to consolidate, then, runs up his cards again, and I think his wife is the…
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10.4.07 what small dfw thing will you do/have you done today?
Happy Tuesday! Well, the sun continues to shine, so what better reason to let us all know what small step you will be taking today on your road to being debt free? Even things that you think may be insignificant in the big scheme of things are really important - they are the things that are forming good habits so will make…
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Written off Debts?
Hi All, Am in a bit of a wierd situation. In 2005 my Husband and I contacted CCCS and were advised to do an IVA because of our debt situation. We did that, but unfortunately 6 months into it, I became very ill and had to give up my high paid job and take a much lower paid one. Anyway, the IVA failed as we couldn't keep up…
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Aaaaaarrrrgggghhhhh
That’s the way I am feeling at the moment. I am at my wits end and don’t know what to do. My situation – I got married in December last year. My wife and I are on the verge of splitting up. I have – a flat (tenant moving out at the end of the month) – mortgage in my name - £111000. A 2nd mortgage in my name on the flat -…
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A credit score thru Experian NOT Equifax???
Hi, am trying to get a 5k loan but have a good credit score with experian but a bad one with equifax!! does anyone know of a lender from their own experience that only scores thru experian??? thanks to anyone who can help! :confused:
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Stop the interest !?!
I have been paying an overdraft ( which was for £3000 ) with Lloyds bank and I have been paying it religously every month now for 5 years, but now I still owe them nearly £5000 now. The payment I make to them every month ( £20 ) just gets swallowed up in interest. I cant afford to pay anymore than that a month. Can anyone…
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I really thought I could do it this year!
But I am quickly realising that I am not going to be able to. I really thought that I could really go for it and get my credit cards paid off, but I feel that no matter how much money I throw at them, I am still a million miles away. If I get my 2k bank charges back that will make a dent, but I am sick of my life being on…
