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Pretending to other family members
Basically I have not told any of my family about mine and my fiances money problems. I know they would be devestated. We own our own house and live completely seperate lives from my family and it would kill me if they ever found out. However my mother does not understand why my fiance is 'such a tight meanie' and never…
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the light at the end of the tunnel is fading
i thought i had got all debts under control for paying them but this morning there was a knock at the door i thought i must be postman wrong wrong wrong, it was somebody collecting from jacobs. the worse bit is i have to deal with it in on my own and when i phone my oh at work he just says don't worry.:mad: :mad: :mad:…
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Newbie (but kind of an oldie)
Hello everyone! I've been lurking around the forums since July this year but I've never jumped in and registered - hopefully this is a case of 'better late than never'. The forums (and indeed this site) have all been massively helpful in that time; I've claimed back my bank charges, I've paid off four massive debts that…
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Happy Bonfire Night! Daily chat thread 5th Nov
Morning all!! Happy Bonfire Night! How's everyone doing today? Got any plans for tonight? We went to a party last night but no bonfire or fireworks. Nice to go out and see family though :) I do have a little moan to have.. somethings going on with my typing that when I correct an error in what I'v already written it starts…
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RMA again
A few months ago, after verbal abuse from RMA and their usual rant about only being a phone company, I told them I would only be dealing with them via post. Every week I get one of two letters - please contact us immediately or we have an offer for you. I have written to them asking them to tell me the details of this…
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What have/will you spend Monday 5th Nov?
Well another Monday, another fresh week ahead of us all. Today I will mostly be doing sleeping, cleaning and work (in that order) so hopefully no chance to spend. Good luck all and Keep It Low!!:D (Hope you're enjoying your lie-in Pap.)
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On DMP - Paying Insurance Monthly?
Hi All, Finally commenced my DMP in September of this year and have to say it's all thanks to this site! :T - Like a lot of people say - just wish I'd have done it sooner. However I am now coming to the time when I will be renewing my house insurance (end Nov) and Car Insurance (end Dec). Now I currently pay these monthly…
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Worried sick.......default notice
Yesterday i received a default notice from a company with whom my partner and I had a joint personal loan for which I have now become responsible. Unfortunately my partner died suddenly in May this year and when I contacted the loan company on the advice of the CCS they were willing to accept a token payment of £5 per…
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In Negative Equity
Dear all Has anyone any ideas on my situation which is fast taking over every waking moment and I can't see a solution.... We have a house worth £155K, o/s interest free mortgage of £119K (inc ERC's) and Secured Loan of £53K (inc ERC's) so are in negative equity. We also have about 30K of unsecured debt that we just cannot…
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A few CCA questions
Hello one and all, What a fantastically useful forum, mainly because the information and the advice given has helped eased my fears about being in debt. A few questions, if I may: I have been paying a couple of DCAs for sometime now. I do not know if I have acknowledged the debt with them. Should I request a copy of the…
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Does anyone on here have a tidy house..?
This is aimed at people who are on DFW loads. :o I'm a constant lurker and occasional poster. I know my kids are starting to think I'm strange (well, stranger than normal) because I'm on the computer continually. I banned myself from the computer all day today (till about an hour ago) and most of yesterday because my house…
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debt agency/bailiff
hope someone can help,daughter left last home due to domestic abuse and although could not return and eventually gave up council house it was empty a long while,it was vandalised outside and in the garden etc the council have bill her and she has tried to contest this bill (she cannot be held responsible as the council…
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Virgin Media Debt Notice
Hi, If Virgin Media have passed a debt of yours to a third party credit collection company, will this appear on your file with the likes of Experian, Equifax etc? Many thanks, R
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moozies weekly challange ~ w/c 4th november 07
evening all how are we all? well back to business ~ because of last week's attack i know most of you missed the thread last monday/tuesday but please join back in ~ moozies challenge here for another week :D so here we go ~~~~ Last weeks thread ~…
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General Question.
Had a request from Coop for me to provide them with a SOA, they also want 3 months wage slips, proof of mortgage payments and proof of outstanding balances with other creditors. How much detail do I HAVE to go into with them? Are they just asking for the same info a court would ask for if issuing a CCJ? I'm self employed…
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Capquest - Egg settlement
I'm helping a friend sort out her debts originally with Egg and transferred to CrapQuest. I have obtained a large sum from lloyds TSB in reclaimed bank cahrges and can use that to settle some debts. I have liased with Crapquest and they have offered to settle the debt for about 25% less than is owed. The letter says make…
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Serious Debt Help/Advice Please!
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Abit of advise please
Hi guys, I've been lurking on here a while and thanks to this wonderful site I've managed to pay off nearly £3k of my debt in a year and I haven't added to it in that time either so I'm quite impressed :D . Now I'm in a bit of a sticky situation and need a bit of advice. Until the beginning of Oct I was working in a pub as…
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I am new and in a mess
Hi my name is Justin I am new here and in one hell of a mess. Not sure if I should be posting this here but I don't know where to start. I have serious money problems, the thing is I am self employed in a what was a successful business and it is a partnership, this means both me and my business partner are joint liable for…
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So Afraid!!!!!!
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