Debt-free wannabe

Discussion List

• Hi newbie here and really need some help

  Hello everyone, I'm new to the site and really in need of some help and support. I am currently about £20000 in debt and pay about £1100 per month in repayments and then have an overdraft so have about £200 permonth to live on which I am finding really difficult. How do you go about setting a budget up I have looked at…

• Lowell Financial / Red Debt Collection Services

  Can anyone advise as to who these people are as I have received a letter saying that I owe money. As I can see these people buy debts. I lived in the UK over six years ago and can not recall any debt or communication since then. Thanks

• A depressing realisation

  It may seem silly to some people but my big weakness is toiletries, in particular face creams and miracle cellulite treaments:o :o Well for the last week and a half I have been sleeping in the conservatory cos I am decorating upstairs. So I have left a lot of my stuff upstairs - in terms of creams etc under the dustsheets.…

• What Have You Got That I Haven't?

  I've always been debt free. Lived a small, miserable and lonely fun-free life.... .... seen people with "stuff", but not been moved to buy any stuff... I have no lovely stuff :( So. These debts you all have. All these SOA lists.... just giving the totals. But, please humour me: what did you actually buy? what did you spend…

• Urgent help with Rentsmart required

  I hope someone can offer some help with a problem I've got. I have many business/personal debts that comes to around 55k. The problem I have is that when in business I took out a rental agreement with a company for a PC. I have made about 35 payments on a 48 month agreement. I am about 4-5 payments in arrears of £39 per…

• what should we do?

  Hi, just after some advise please. I am currently on a DMP with CCCS about to go into my third month. Our debts are an extortionate £43,000 & we are paying a pitiful £92pm. Some creditors have stopped interest one is threatenting Charging Order & i dare say more will follow as even though theyve stopped interested theyre…

• CCCS DMP versus Personal DMP

  CCCS have sent me my income & expenditure to forward to my creditors with a pro rata repayment agreement for them to consider. I spoke with a debt collector, DLC, today after they'd been chasing me and advised the agent that I will be sending this to them. We argued that I didn't have a CCCS DMP that I'd only contacted…

• Have you been clamped ?

  Name and shame the company on this thread. Put the area down and amount charged for release.

• Do you know the meaning ?

  Does anybody know what the meaning of bailiff is and also what is incurred when a bailiff is assigned to collect from the debtor. Also do they you know how many types of bailiffs there are and whatn they can charge you ? Do not forget the high court enforcement officers are completely different to bailiffs.

• Debt collection agency threatening court action whilst I am on a DMP

  I'm currently dealing with some debts using CCCS, a couple are through the people I originally owed with and another was passed to a debt colleciton agency (NDR) Now Ive been paying my debts through CCCS since November last year and upon guidance from friends, Ive ignored any letters demanding the full cash amount up til…

• Some advice please

  My ex-partner received a phone call from a DCA about 5 weeks ago chasing a debt for a shop card from about 2001. We were together at around this time and I am very sure we actually paid the debt back then, but it was so long ago that we may not have. My ex-partner was caught off guard and gave the DCA an on the spot SOA…

• Just aplied with cccs what will i expect?

  Hi, ok after months and months of having my head in the sand and thinking my debts will just dissapear over night or i might win the lottery i have realised that these 2 things will not happen. so being more realistic iv signed up with cccs and im in about 7000+ in debt with diffrent creditors. i was wondering what will i…

• anyone having problems with topcashback

  I'm trying to get into topcashback but don't seem able to..I keep getting page not found ...anyone else having this problem?

• IVA or Bankruptcy?

  My son has a debt of £12000 on two credit cards which is a small part of a £50,000 debt. He is only making minimum payments on these as the rest of his income is paying other loans so this is making no impact on the card debts. He applied for balance transfers (3) but was refused . He went to CAB for advice and was told an…

• How can I get rid of this overdraft?

  HiIf you have seen my previous thread, you will know that I have £17k unsecured debt. Nearly all of this is on 0% credit cards (except for £2,700 at 7.6% loan and £2000 overdraft). The overdraft is £250 interest free, but £1,750 at 12.9%. This costs me £15 roughly a month in interest, but I also pay £10 fee for the account…

• Christian's Against Poverty

  I have just had a meeting with Christian's Against Poverty and they are coming back to me with a plan (DMP???). Has anyone had any experience with them? (I believe they are a charity who do the same sort of job as CCCS/Payplan etc) Many thanks in anticipation.

• 20% rise in people in debt going to CAB

  Seems like the debt bubble is getting bigger. Been on a few news reports today that the Citizens Advice Bureau have seen a 20% rise in people in need of debt advice. We're not even near christmas and the aftermath. Perhaps Martin could put out some posters in the CAB's with this website details on in order for those who…

• Letter fr4om debt collector..how do I respond?

  Hi I wrote to a Credit Collection agency on 24th July asking for a signed CCA etc following advice on here. A couple of weeks ago I received a letter from then stating that they had written to the original creditor to get the CCA and would forward it to me. I have today received a letter with wonderful news!! (Their words…

• Rent-a-drive

  I discovered today that there are people willing to rent out your driveway to park on whilst at work. Anyone here considered it? Don't suppose it would come under the same tax break as the rent a room scheme would it? :confused: There are even agents that put together drive owners and car owners. Bizzare but also make…

• Final Settlement

  today my mum has indicated that she may be willing to pay off one of my debts - my question is that i have three debts with marks and sparks the smallest of these being the one my mum wants to pay off, are they likely to be receptive or not as i have other debts with them? What sort of percentage should we offer? Will the…