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First Plus Ppi
Posted this on loans but think it may be better answered here, thanks. last year in sheer desperation me and hubby had a £50k loan from First plus. We chose them as they said they were part of Barclays and Carol Vorderman was doing the avderts on tv so we thought they were a reputable comany. I have recently asked for a…
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Firstplus Ppi
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Help please!! I'm in pickle!
Hi! I have to admit , I have been pretty careless and irresponsible with my money for the last 3 to 4 years, but now I am really worried! My girfriend is 2 months pregnant,:j and so I've decided to assess the damage and the state of affairs on my finances...:eek: I am disgusted and frustrated with myself, and I cant really…
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New Debt Wannabee
Hi people Fairly new to debtwannabee, but hubby was off work for months due to illness and I have ran up my cards with living expenses. They havent become a problem-yet, but I so want to get them down and pay off a couple of loans as well. I have done my budget planner and I can have a disposable Income on top of my…
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There is a God!!! He works for the Council Tax Evaluation Office!!!
Guess what? I've just found out that my council tax band has been downgraded from a D to a C!!! I never thought I would be happy to see my flat "decrease" in value. That's over £500 in rebate. Just when I need it most. Thank you Martin!!! Please anyone thinking of doing it, do it.
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Mutual Support Partner??? £30k
Hi, I have been on this site for the last few months and have finally sorted out exactly what i owe and who to (Scary!) I am looking for a mutual support partner with a similar amount of debt to clear £30k to help me stay motivated. I have started to pay things off but find i keep falling off the wagon, hopefully if i can…
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....................?????????????
** Have previously posted on the Mortgage board and no replies so trying here** - thanks in advance for any help. Me and my OH visited the Britannia BS at the weekend to enquire about a mortgage, I didn't want to be credit checked that day because I have recently paid off 3 accounts and wanted this to be reflected on my…
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Advice needed for a friend
I am already in debt as can been seen from signature but am on the way up thanks to you all. Basically a colleague has just been telling some other colleagues about her debts and they were giving advice. I wondered if you fantatic people could give some: Debts: Lloyds Loan £15353 Virgin CC £7068 Limit £7200 AMEX CC £2980…
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1st SOA, treat gently
Monthly incomings: My salary - £900 (roughly, sometimes more sometimes less) Partners salary - £866 (somtimes more,depends on bonus) Total - £1766 Monthly outgoings: Mortgage - £435 Home ins - £9.27 Water rates - £30 Council tax - £102 Gas/Electric - £47 Tv licence - £11 Virgin - £50 (includes tv,internet,phone) can't…
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LBA to Bailiffs
I sent off a letter requesting a full breakdown of my charges, and gave them seven days to reply, - guess what no reply, now do I send a letter before action saying that I will take them to the small claims court for the full amount? thanks SFx
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Solutions...
Advice please, will consider anything said. My parnter and i have combined debts of £21708.29 A breakdown is: My loan - £8158.29 (10.9%) Joint overdraft - £3000, current interest to pay this mth £24 (EAR 11.8%) Double glazed windows loan - £1500 (24.4%) DFS sofa - £1600 (0% not starting paying till Aug) Oven - £700 (on…
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Payplan Query.
We are in the process of signing up with Payplan, and have been told to open new bank accounts. I was thinking of the Co-op basci current account, which we are going to do this afternoon. Is the Co-op Bank tied in with any other banks: HSBC, Bank Of Scotland etc?
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my new soa
Income. Wages 1300 per month variable Avon £75 per month variable 'Taxi' box £20 per month variable Grandparents £80 per month variable Child benefit £118 per month Mystery Shopping £30 per month variable From 17th Apr Playgroup £50 per month Ebay £35 per month variable Total:£1708 Outgoings. joint a/c for all bills etc…
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what have you/will you spend thurs 5/4/07?
lovely sunny day here and its the last day of work for most of you... hope if you spend its kept low... and hope you all have a lovely easter weekend I have a restday today so i am catching up on things and cleaning, not leaving the house so it will be a nsd. I did however pay £12.64 off my debt but thats from my quidco…
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help im struggling!
hi guys, last week i was quite positive now its all going wrong! I am physically incapable of working anymore hours-i am literally a wreck and thought i could cope as only 4 wks till i have 2 wks off from main job and i had at least been breaking even. got a letter yesterday that my secured loan is going up again and my…
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MBNA charges/Bryan Carter
My MBNA card had a limit of £400, I went over by about £30 and ever since have been charged a £25 overlimit charge and a £25 late fee as iwas unable to make repayments. The debt is now in the grubby hands of Bryan Carter who have demanded £891. I paid two installments of £200 and sort of hoped that that would be the end of…
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Please help! IVA or Not, whats the best way of dealing with 20k of debt.
Owed To Amount Monthly payments Egg £11,234.00 £236.00 Virgin £3,200.00 £123.00 Halifax £1,813.00 £60.00 Lloydstsb £761.00 £60.00 RFS £3,100.00 £125.00 TOTALS £20,108.00 £604.00 I bring home £1163 per month.. I also have £45 for phone bill and £28 car insurance. I transfer £400 to another account and I get my petrol from…
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What's Going On?
I have an outstanding debt with a private company which was passed to a debt collector (Daniel Silvermans) without prior notification. I agreed to pay £20 per week, as this was the least they would accept (against about £3K), but this was a struggle and I admit to missing a few. The debt was therefore passed to another…
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thank you
Hello, thank you for your help.
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Credit Card Advice
Hi First time on the forum, looking for any advice and tips that I can get. I have a large credit card debt to pay and seem unable to transfer my balance anywhere else as no one seems willing to take me on. Have written to the credit card company and asked for cheaper interest rate but to date have had no response from…
