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Anyone with Welcome Car Finance?
I MAY soon buy a car from Welcome Car Finance. I notice that there is a sign up in their showrooms offering a Recommend a Friend and both get £200 deal. If anyone wants to say they recommended me then please PM me. I guess I'll need your full name and address. Obviously I cant say it'll certainly happen but better a chance…
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O/T Come on girls.. need your help..
Am going out to a gig tonight and have spent most of the day trying to get ready in between looking after 2 kids and doing housework/making dinner :rolleyes: I'm just doing my hair but haven't got anyone to ask opinions of.... sooooooo.... Hair up? (Well half up..) Or hair down??? Mods please don't move this I need the…
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Do I implement a Debt Management Plan?
Hi all, first time I've posted so be gentle..... From what I could see from browsing the site, I think I have a slightly unusual situation. I am self employed and have run up about £62K of unsecured debt as a result of a failed business. This is on top of a £181K mortgage. As you can imagine my repayments on the unsecured…
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Anyone with a SMARTPHONE earn free cash
Anyone who owns and uses a SMARTPHONE I strongly advise you to join this. http://www.mobilepanel.co.uk I was dubious but received my £15 introduction payment and 6 months down the line have just received my first six-monthly £30 payment.
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I have IVA - Can I go bankrupt??
Hi, I am trying to find out some options for my brother who is in a bit of a mess. He is currently paying an IVA but has now found himself unemployed, can he at this stage consider the bankruptcy route or is this not possible with an IVA. Thanks for any help!
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help i so need your advice
got this letter. I have recently recieved a proposal regarding the payment of your nationwide credit card account. I have carefully considered the information you have provided but unfortunately i am unable to accept your proposal. please contact so we can discuss options. I dont have a housephone! If i dont hear from you…
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credit card charges....
what can you actually claim back with these? I am just sorting through my paper work to write my final three letters to close all my accounts, but while i was doing this i took a look at my credit card statements (from capital one ~ account already closed) now i have 4 charges on that account (the account ran for nearly 2…
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what is the minimum needed for DMP?
Thought I'd start a new thread as its lost in the DMP support. I'm working my way through CCCS/Payplan websites as I have to redo my SOA/Offers of payment now that a CCJ has kicked in. CCCS can only do a DMP for me if I have a minimum of £100 spare per month. this is putting my finances on edge with increasing mortgage…
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Equifax credit report has a CIFAS name and address (classification 4)
Hi, I've just got this back and there are a few things I'm not sure about: 1) There is an address which is almost the same as my previous address, i.e. has the flat number for the road number and no flat number. This was added as address #4, which I never provided. I believe that this might've been from a credit card, for…
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Climbing back on the wagon - is it possible?
Hi all After 8 months of frugality and general DFW-ness thanks to all of you fab folks - during which I've paid off so much debt - I fell off wagon last month. It started with a new laptop bag for work and hairdo (both desperately needed and both paid for via Quidco earnings) But I couldn't stop. Oh no! From there my…
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how do defaults work, please?
I don't often come on this board but i have a question about defaults if anyone can shine some light on how they work please. A good friend of mine had at least 3 defaults filed on his credit report from 2 years ago and is now on a debt management plan for another 4 years with the consumer credit counselling service. My…
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New job, but new costs...
I've posted on here already about my new job in Newark (NG24), but that's far enough away from home to warrant a move into Nottingham. So, I have to budget. And like nothing else; I've got 70-80 quid a week available to do everything with. So far: - I've already found a place in the mean streets of inner Nottingham for £13…
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66k in dbt and no one to talk to.
Hi there again, still very new to this , but so many of you replied to my first thread I burst into tears at the releif I am not alone anymore. So big thanks for that you are lifesavers literally. Wasn't so long ago I stupidly tried to take overdose re this,(idiot). As I said befor can't tell OH as I am sure he will leave…
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CCJs and defaults please help me!
Hi all Be gentle with me i really need some advice In my young and stupid days i had a debenhams storecard which i defaulted on and ge capital bank passed my debt to a company called cl finance who eventually took me court and gave a ccj (aug 2001). after obtaining a copy of my file through equifax i have found that the…
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Getting strange calls from DLC debt recovery
Been out this morning but came home to a weird phone call from DLC debt recovery saying that i must phone them immedialty on 0870 7494094 giving the reference number. I phoned and told them i could'nt pick up there reference number so they asked for my postcode i gave this and was told there's no note of my postcode so i…
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Power of focus!
Ok have let things slip A LOT lol Which is a crime, because i worked my a$$ off last year to almost clear the debt (which i would have done if i hadnt invested it but never mind), but to be honest the debt free thing hasnt been as important to me for the last 6 months. Well today that is changing. My loan now is 8K, which…
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Credit Agreement
Hello I have been told by a debt collection company that they cannot supply a copy of the original signed credit agreement and that they do not have to keep it beyond six years. Is this correct? Thanks
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my SOA
Well, here it is: Incomings: My salary - £100 p/w (maternity pay) Partners salary - £398 p/w CTC - £21.60 p/w until feb ’08 then £9.20 p/w CB - £30.20 p/w (we get both CTC & CB paid 4-weekly) Total - £549.80 p/w = £2382.47 p/m Outgoings: Council Tax - £66 EDF Gas - £10 (but we usually end up getting £50-60 back each year…
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Requests for CCA's - it works!!!!
Just thought I'd let everybody know that I requested a CCA from Moorcroft about 2 weeks ago regarding an old catalogue debt for £1,244, got a letter back this morning stating that they will be no longer pursing the debt, and that they will remove the default from my credit file, they even sent me my £1 cheque back!!!! Now,…
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Any MoneySavers on Facebook?
If you are please read this posting Martin
