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Can't Open a New Bank Account?? Help here!
I just wanted to let others know that if you have a bad credit history and need to open a bank account Natwest is the place to go. I applied there and they accepted me for their Step Account. This is an account without lending facilities. You still get a Solo card etc which can be used online and in shops so almost…
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Baliffs threatening arrest
Not sure where to have posted this. I'm due to pay my coucnil tax for this year, I have been in financial trouble, lost my right to pay in installments and then the full yearly fee is crippling. I've paid off a few months, financially things are looking better and I should be able to pay this off very soon - but I've had…
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disposable income???!!!!grrrrr rant
grrrrrrrrrrrrrrrrrrrr Before I rant I would like to thank everyone who helped and supported me when I posted my SOA a while back, still struggling through with very little and counting every penny! http://forums.moneysavingexpert.com/showthread.html?t=352126 NOW ! I am trying to divorce hubby who moved out more than 2…
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repossesion help needed please
hiya everyone, i wonder if you could point me in the right direction please... a good friend of mine is now in a relationship with a guy who left his wife last year sometime, his ex wife still lives in the marital home but due to him now having to rent a place he couldnt afford to keep up repayments on the mortgage as well…
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Credit searches
Hi Can anyone tell me how quickly credit searches take to appear on your credit file? ie, if I applied for 3 credit cards at the same time on Saturday, would they all be able to see that or does it take a while before it shows up? thanks Stella
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Iam New, any help appreciated
Hi, I have read throught various posts and would really appreciate any help as I feel I am getting myself nowhere taking one step forward and three back, and am worrying constantly about it, not sleeping. Heres my SOA Monthly salary :1300 - I do try and do as much overtime as possible Outgoings Mortage: 515.23 this is…
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Huge debts - urgently need help
Well after the debt disaster with my boyfriend (see wee_V - Trust deed equity mess), we've just found out his sister is in an even worse situation... She's in hospital just now with extreme pain, due to an ongoing illness - she had a rare and very serious form of cancer 10 years ago when she was 21. My b/f went to collect…
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bankruptcy - not a bad thing
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Please help if you can
I have a joint mortgage with my ex partner and loan secured on the property. the property is now on the market. Once sold, there will still be outstanding mortgage to pay and loan (we had borrowed so much to do the property up you see). My Ex partner has not contributed to the joint mortgage or loan since she left so i…
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6 year rule help please
Hi, i'll try me best to cut a long story short...lol just over 10 yrs ago we had our first child. Up to our eyes in debt made HUGE mistake and had help (no help whatsoever) Eurodebt. Gave us some really bad advice, STOP paying all our debt and they'd sort it. Huh, weren't we gullible. Got into worse debt thanx to them. 6…
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Please help me
Hi, I've just recently joined this board as part of my all-out assault on my debts. I thought I had things sorted, and I'm on a good wage, but I must be going wrong somewhere as I never seem to have any money left at the end of the month. See my signature for current debts which compared to a lot on here don't seem very…
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Do I continue with payments or declare bancrupcy?
Hi, I haven't used this site for a year. My debts total £10,000 and I have a part-time job which doesn't leave me much for the re-payments. So, at the moment, realising that even the reduced re-payments were getting me no-where, I am making a token payment to all my creditors. Small amounts, like £5 per month, calculated…
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Debt Collectors changing their minds!
Hi there, im in need of a bit of advice if possible, Ive been recieving letters from the debt col. agency "Levi Black & Associates" claiming I owe £604 for a debt from Scottish Power (although the letters are always made out to "Steve", when my name is Chris........weird). Anyways, the debt is for a time where I had…
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Mortgage problem.
I've today received a letter from my mortgage provider that our mortgage account has reverted to their standard mortgage rate. My mortgage has now gone up from 370pound to 466. A big change that I can ill afford. At the moment I'm on a debt management plan with cccs and unfortunantly I also got debt collectors knocking on…
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Help
HI this is my first post on this board and I would appreciate any advice.I'm in loads of debt and I just can't see a way out of it.It's my own stupid fault and now I'm suffering the consequences of over spending.:mad: I have a HSBC loan for about £15000 and am paying £303 a month towards that.I also have a credit card with…
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CCJ Removal
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 and received conformation of payment from the DVLA…
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Please Help Me! Friendly advice needed!!
So i have been looking over all the threads on this website for months and months and really found it interesting, so thought hey why dont i post one and see what advice i can get... :embarasse So firstly i desperately want to be rid of my debts (dont we all...) but i have been in debt since i received my first credit card…
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Hit a brick wall
I have built up debts of £70,000 over 20 years - credit cards and loans. The repayments are totally out of control and I borrow each month just to pay the minimum, but I know this is not the solution and the day wil come when there is no credit left. My partner knows nothing of this and he hates the idea of debt. I am 56 -…
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Snowball Sanity Check
Hi, I'm trying to work out my debt free date using the snowball calendar. I've got a couple of questions about what i should put into it. I've got an HSBC loan with a balance of £9220 to pay. The interest on this was calculated at the beginning so should i enter in 0%? (I pay £318 ish pm so have 29 payments left). Secondly…
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Were do I start.....
Hi all, I am new to all of this............don't know were to start, I want to be DEBT-FREE......! PS: I am dyslexic so if spell checker doesn't work it's not my fault!!:rolleyes: Prisonshepherd
