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Want to lower debt but dont know where to start?
I am really desperate now to get rid of/lower credit card debt. I dont work as i am a stay at home mum but looking for part time shifts at the minute. My partner works full time and get 20k a yr. We dont have alot of debt but i do feel it weighs heavily on my shoulders. We have 2 credit cards and a cataloge. We have:…
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NCO harrassment again!!
Hi This debt collection company are still hassling me over a debt they can't prove is mine. I have sent them both the CCA template letters which clearly pointed out that as of 25/7/07 they were unable to pursue the debt at law as they hadn't provided any documentation stating the debt was mine. I have even reported them to…
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Paaaaaartaaaaaay!!!!!!
Anybody fancy celebrating with me??? Paid of a credit card today.. got some beers in and in the mood to party!!!!!!!!!!!!!! :beer: :beer: :beer:
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RMA/Barclaycard Attachment of Earnings Threat
Hi All, My debt with Barclaycard went to a Debt Recovery Agent called RMA a few months ago and they have continually refused to accept my offer of payment. I have supplied a financial statement and continued paying an amount I can afford but they hold firm. Now they are saying that Barclaycard have started a court order…
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One debt down! YAY!
Because DH got a bit more money in his wage packet this month, we have paid off one loan! We had a few months left, but decided to get out of the way, so now we have freed up £75 per month. We're going to put that towards another debt to get that paid off, then so on until we get them all paid off by November next year. If…
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Field Agents
Are Field agents from another planet or what ????? I had an unpaid water bill which I duly paid back over 3 months all done and dusted (so I thought) Was sitting home with my parnter all curled up on the sofa watching telly when (knocking on the door) I answered it to a man who came to discuss the non payment of a water…
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not sure what to do.....
Hi there, not sure what to do, i have £300 extra coming in per month one of my big loans is £389 a month...do you think i should ask them to extend the payments to bring down the amount ? At the moment i'm paying them bits here and there but if i pay them i have nothing left for the others......ahhhhh...don't know what to…
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Do Good 4 Debt
Read an excellent article today in our student magazine on this graduate Ian Wallace. He setup a charity scheme and got companies to pay off his debt for him in return he did charity work for them! Brilliant! He is now launching Do Good 4 Debt in January 2008 and me and over 10 friends have already signed up for it.…
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AQAers
Sorry to bug people but I just wondering if any AQAers could pass me on the following info. Did you register for self employment when you got your initial acceptance or did you wait until you have everything signed and a starter pack etc? How long roughly did training take you? Lastly, what method do you use for keeping…
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Previous Tenants Debts
Firstly, sorry if this is in the wrong thread! OK, we moved into a new place just over a month ago. Since then we have had about 4 letters a day for the previous tenants. For the first week or so i just returned them to sender. Then i noticed alot of them coming through looked the same, so i started writing down the return…
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Debt Diary Sub-board Poll
Here we go!
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some advice about court bailiffs
Hi all, hope some wonderful person on here could give me some advice (again)! In April, I sent off a cca request for a debt with lloyds (about £15k) for my OH. This original debt was originally made up of 3 loans (I think) and overdrafts but mostly unfair charges (although I've never S.A.R - (Subject Access Request)'d them…
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Monument/Littlewoods-Raphaels Bank?
I subscribe to see my credit report every month because I've been trying to get rid of all the credit accounts I don't use... This month I notice Monument and Littlewoods seem to have turned into Raphaels Bank. I can't seem to get any sense from anywhere on who to contact with regards to these accounts-can anyone help?
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What Blogs do you read for DFWing goodness?
I'm an avid reader of blogs, and there are a few personal finance ones which I read as quickly as they get written. The ones I follow are American, generally written from a personal perspective, and have a heavy emphasis on getting debt free. Money is money, no matter where you are in the world, so there's a lot of good…
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Dealing with Capquest by mail/forcing them to play fair...
Hello everyone- this is my first post and I could really use some clear and knowledgeable help! I will try and be as precise as I can: 1) Capquest (debt collectors) is after me for £7000, and I am worried as a result of what I have read on this and other sites, about the tactics they might employ and the fact they are-…
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full and final - what do u think?
hi i was thinking about offering alliance and lecister a full and final in a few months time when i am due £200. origianl loan was £2k +ppi and ins etc total £2'670.96. i now have £846.18 left to pay in full . do you thnk if i offer them £200 full and final they would likely accept this? thanx.
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MBNA Credit Card: they'll accept 50% to settle, but not F&F - advice please!
Hi, I've just got off the phone to MBNA to discuss the full and final settlement of my credit card account. I have been on a DMP that covers 13 creditors since Nov06. MBNA said that they would accept the 50% settlement offer on the basis that it IS NOT a FULL AND FINAL SETTLEMENT. It is only a partial settlement. MBNA said…
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Help me help my brother!!!
I will try and get a proper SOA thingie off him shortly. But basically he owes a fair whack yet lives in some dream world (well pre light bulb moment!). He spends alot on drinking and socialising, the odd flutter at the bookies... He owes my mum about £9k! this is interest free, but she could do with some kind of payment…
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Postal Address
Can anyone help. I am just starting the process of dealing with my debts. I have applied for an IVA.The trouble is that I am now back living with my parents and I dont want to give the debt collectors their address in case they come knocking and upset my parents.Any ideas on getting around this problem
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what is the best option
Well ctc have done it again, i put my new claim in 5 weeks ago and was getting £190 per week last week i got a letter to tell me my new award and they have put £800 in my bank account(i know they will want this back but if i decide to spend it they will take reduced payments with me being on benifits) so do i use it to pay…
