Debt-free wannabe

Discussion List

• How long does DMP take to start??

  :confused: Hi had a phone interview last week and during the call they advised only £77 pm to offer to all my creditors however they did say if I could increase my income to an extra £280pm I could go on a 5 yr plan and it would all be paid of,, this encouraged me to find a lodger (a friend who was looking) and will pay…

• Vodafone default.

  I've got a problem with Vodafone. I took a trip to Dubai and took my phone with me. I used it for a bit over there not a great deal but i did use it. When i got the bill through it was around £500 for two weeks. I immediately called Vodafone and asked for an itemised bill. This took a while to come through, while i was…

• HFC bank charging order ..... HELP!!!

  Hi Its been a year or so since I posted on these boards but I need some help and advice regarding the above! I received a letter dated 4th Sept saying that I would be served with a Default Notice in accordance with Section 87(1) of the Consumer Credit Act 1974 if I did not respond to the letter. Hence I rang on 8th Sept to…

• 1st Credit and CCA request

  Has anyone out there had any dealings with a DCA company called 1st Credit. These are currently the monkeys if choice that the wonderful HFC have sold two old loans onto. Firstly almost five years ago now I finally admitted that I needed to sort out my debts and following many letters to HFC agreed a reduced final…

• Help !!! very desperate

  I have written a few posts concerning my financial status before and have had Excellent advice – so here goes again and this is exactly where I am to date. Any advice is very welcome: - It’s a long post so please bear with me!! I have quite a few debts that have mounted up over the last few years and have got Worse since…

• More CapQuest Help! Please

  OK I have now contacted Capquest and they refuse to lower my payments to the ammount that best suits me. What are my options? They are saying that I won't get a second chance. I'm tempted just to pull the DD and write to them advising why I have done so is this a wise move? I am currently paying back 200 a month with 2.8K…

• TV programme about debt

  Hi. I am usually about on the competition forum but thought I would post here as I received an email today from beonscreen which I thought may interest someone on here? They are a company who find members of the public for production companies making new shows, and presently they are making a show about debt and are…

• new here which company????

  im currantly with all clear finace (harinhton brooks) but i feel there letting me down .i posted this in the wrong thread box , got told to come over here , peaple say http://www.cccs.co.uk is good and FREE for paying my creditors . i feel the company im with at the moment is not doing there job 9 months now and its still…

• gosh i am SOOOOOO ANGRY!!!!!!!!!!!

  :mad: Man came round and cut the hedge at the end of our drive yesterday, (approx 7 foot tall, well established and, erm, hefty.) parked his landrover and trailer on our driveway, gets out with his mini scaffolding tower and hedge trims the end of our drive to within an inch of it's life. no knocking on the door, no hi i'm…

• Debt collection agency help please!!

  I joined bfc a few months back, a book company where you got a set of books free then have to buy 4 more books from them in the next year. To be honest i completely forgot about the £2.99 postage i had to pay until i recieved a letter on the 13th september dated the 13th of august!! saying i had to pay within 10 days or…

• Hurrah

  :j yeah my money worries are over well according to this email i got they are Your email address won £516,778:00 credited to file Ref:UK/9420X2/68 To file for your claims,send your: FULL NAMES,CONTACT ADDRESS,COUNTRY,SEX,AGE,MARITAL STATUS,OCCUPATION, TELEPHONE NUMBER,E-MAIL,HOME ADDRESS,NATIONALITY to: Claims Notification…

• help

  i have posted on here before and got some very good advice, so i am back for somemore. i have a few debt companies chasing us for things that we do not owe, i have done the satuary letters but they have come back with it is still within the time period, one of mine runs out this year and they now want me to send them a…

• disputing a bill

  is anyone aware of the legal position of a consumer in disputing a charge? i was in a contract for a service, which was not provided. i was still charged despite many calls and letters trying to get reconnected or any other kind of resolution. my calls and letters were ignored (the company was notorious at the time for…

• Time to face the music.....LBM

  OK - Where to begin... I have been reading the money saving forums for a while, and generally use it for inspiration, as cliche as that now sounds, with every other poster saying the same thing, however, it doesnt stop it from being the truth. I had a LBM about 3 months ago, when I realised one of our cars is on its way…

• Credit Rating Question?

  Just a quick question on credit ratings......... What makes a good credit rating? What makes a bad credit rating? If you have a loan and settle it, how does this affect? What about have credit cards, that have no balance outstanding.... Is it better to close the bank accounts with other banks that you no longer use?

• advice please tricky situation , debt 6years c

  many thanks in advance but here is my situation almost 6 years ago I was a partner in a business whic was set up as a partnership my business partner commited a fraud on me he jointly with the accountant set up another business duplicating my business and did runner leaving a lot of debt 140k at my business and taking all…

• Advice please re paying off creditors

  I'm £43,000 in debt and I've just had a baby and wasn't planning on going back to work. My only way out seemed bankruptcy but today I have been made redundant, I think my payment is going to around £15,000 +. My biggest debt is a loan for £11,000 and is covered by redundancy - phew. Should I try and do final settlements?…

• Why can't I do this?

  Can any-one please tell me why you can't take out a credit card to pay off a bank overdraft? We changed banks approx 6 years ago and all d/d and s/o are now with this bank. Unfortunately at that time we also had an Advantage Gold account with o/d of £3400 intending to pay it off....but with car bills,accountants fees, tax…

• Is this Credit Score Calculator Accurate?

  http://www.moneyforums.co.uk/credit_score_calculator.php Is it anywhere near what your real score is?

• AQA and mystery shopping

  Just a quick question. I was accepted for both AQA and TNS mystery shopping, however, I have now left both without earning any money ( i realised that overtime in my current job was far more lucrative). Do i need to fill in any tax returns or contact HMRC about this? i do not want them to end up chasing me for money that i…