-
please i desperately need advice....
its tricky .. for months my boyfriend of 5yrs who i live with didnt have a full time job, and i did, therefore i paid all the rent £800 each month, all the shopping, gas, water, heating bills, etc etc. he agreed to give me most of his wages to repay me. and at first i kept a record of the amounts e gave me each month, but…
-
Who is right????
Hi AllMy Mum and Step Dad are in the following situation, and need to know whether they are basically de frauding the system.My Mum is working fulltime and gets WTC, my Step Dad gets basic state pension.My Brother, who is 18, is also working, cash in hand, for a friend, who has a gardening business.I am certain he has to…
-
How far back can Barclaycard go?
Hi I wonder if any of you can help me, a couple of months ago I got a letter delivered to me which was addressed to my previous address (only across the road) it was from a debt collecting company called Mackenzie Hall, asking me for a debt of £216 for a Barclaycard. I was confused because I haven't had a Barclaycard for…
-
Is consolidation ever a good thing?
Dh owes £8000 on various loans/credit cards/overdrafts. We have written up numerous budgets in the past to try and pay it off but we always end up putting more on the cards again and going backwards rather than paying it off. Basically, our situation was getting worse rather than better. He decided to consolidate the debts…
-
Help please
About 5 and a half years ago I had 4 credit cards MBMA £2400, Barclaycard£750, Capital One £1000, GE Capital £1200. The payments for these began to get out of control and to be honest got me very down and in the end I ended up running away from the debts and moved away. I have heard nothing from any of the cards until…
-
DFW things I have done in the last 24 hours
Hi guys After my first posting yesterday I have been busy! I have now paid payments to close 3 high interest accounts AND sent letters to close them formally. In the post box at lunchtime! I was able to do this from savings which as we all know is a better use of my money. Following this my monthly budget already looks…
-
discharged
I have recently been discharged from br. Even tho i have been discharged, am i likely to find it difficult to obtain credit again? what happens if i want to get a mortgage will the prove difficult? please someone put my mind at ease lol.
-
Up sh*t creak without a paddle. Advice needed.
hi all. Didn't really want to post on here but i have to. I'm really struggling at the moment and am getting deeper into debt. I took a job i really love 2 years ago and left a better paid (lots of unsocial hours) (im a nurse) so took a £300pm pay drop. It's been gradually buliding up but i'm basically living off my credit…
-
Trying Again
Hello (Sorry I think this is going to be quite a long post). I posted quite often here a year or two ago - under a different user name (& Pamela Flitton isn't my real name!). I had a DMP but only managed to keep it going for about 8 months. Since then I have split up from my partner & moved, resulting in higher outgoings.…
-
Extra 1000 clubcard points but cant get code to work!!
I was wondering if anyone else had tried to use the code for the 1000 clubcard points when you sign up for the Tesco DVD rental?It sounds like a really good deal cos it is worth £40 in deals and you have to sign up for a minimum of 3 months(just under £5 a month for the cheapest package) so you could "make" £25!!!When i go…
-
Hi - feeling rather stressed
:wall: = me and the way i feel at the moment Ive been trying to come to terms with what is happening in our lives at the moment and its not good We have a loan We have credit card We have a morgage We have council tax errears We have an overdraft etc etc and the payments are proving just to much for us i spent most of…
-
Debt collector driving me crazy
Can anyone please help. Summer 2006 when I was housebound I ordered 2 pairs of shorts form a company for about £40 pounds. They never arrived just more catalougues. But throughout the summer I kept getting invoices asking for payment. I phoned them on various occasions to state no goods but they are adament they were…
-
Deleted
Deleted as it was redundant. My apologies for not being patient!
-
Deleted
Sorry again for not waiting long enough to post!
-
How long 'til next application? (Super balance transfer)
Hello all - I'm getting ready to do a super balance transfer to a. move an American student loan to the UK at a better rate (currently 7.14%) and b. get rid of Barclays Additions, which is costing me £30/month (at 9.9%). A little history: being an eight-year resident but not a citizen, with no credit history in the UK, I…
-
Getting annoyed at Credit Solutions Northern
Hi peeps After a little advice here. We had a gym membership that we canceled and gave 1 month notice on because we thought it was reasonable, ie unenforceable contract and also because we specifically asked the q: After the years term, does the contract revert to 1 month notice and we were told yes. However David Lloyd…
-
Couple of questions - Disassociation
Hi, hope this is in the right place! I've never had any trouble getting credit in the past (cards and loans), however i've just been refused instantly for a loan from two different places. I got my credit file from Experian, i've got a lot of credit agreements but they all get paid on time, however, it says I have a…
-
Default on my Loan
I was claiming via the insurance and I probaly left it too late to go to the doctors and get a letter. The bank promised to hold my account as I explained to them I was waiting for the letter from my doctor to send to the insurance company. The claim was successful, but I spoke to the bank and a default was added on to my…
-
How much should I offer
Hi everyone I was wondering if anyone could advise me on how much to offer a debt collecting agency as a full and final payment off an outstanding debt. The amount owed is currently £250. Thanks in advance x
-
newbie saying hi and having a rant.....
hey everyone, im new to all this so thought id say hi to you all and let you know my situation. ill try not to bore you to much! well im 23 and and have recently split with my partner of 6 yrs. when we were together we got credit cards, and loans as life was a struggle and thats the easy way out huh..well so we thought at…
