-
Advice needed pleeeeez being chased by a debt company
About three years ago I received a letter from a company called Aktiv Capital alledging that I owed a company money from a credit agreement which, I think, was taken out in the early nineties, As far as I was aware I paid this agreement off but, because it was so long ago, I haven't any proof. I visited this site at the…
-
any advice would be gratefully appreciated
evening all, i know theres lots of diaries on her but i find them very inspirational to read and a great source of motivation. Although i believe i'm dealing with my debts the best way i can i've just had a phone call from virign cc offering me a deal. probably best if i post my debts then explain the deal; natwest cc…
-
where to turn
Hiya. Been reading this site for ages now. Top place. I was all geared up to do a SOA as I have debts which aren't shifting. I've had some really bad news and I aint got a clue what to do. I get paid about 900 and i use about 600 to pay debts/bills. My smile account has a 500 over draft which i use every month. They have…
-
Question about SCAs and DCAs
I wonder if anyone can help/advise/reassure me on this one? Small amount of history: We've been on a DMP with CCCS for just under 2 years with few/no problems. Last month we took over the DMP to allow ourselves more flexibility to overpay and the payment dates etc. Again - no real problems there and we've made the first…
-
Don't know what to do.
incorrect information sorry
-
ccj's and payplan
Does anyone have ccj's that they pay through payplan or do you pay it seperately. Expecting a ccj to be issued quite soon,would rather pay by standing order rather than payplan as there is a big delay before creditors get their payments. CQ
-
Money in the bank
:T :j :beer: hi all just felt i had to share this with people who can understand what I feel like tomorrow is my first payday since wakeing up to my debts. just been to the bank and there was still £4.71 and i havn't borrowed from anybody and all last months bills are paid :eek: :T in fact I'm owed £21 for some dvds i sold…
-
Need help quick! Spiralling out of control!
Hello, I recently bought a house back in January along with a big-ish loan to do the place up. Unfortunately recently my partner lost her job due to bullying and harrassment at work and therefore at the moment is not working. I am at witts end and am struggeling big time to pay everything. Please could someone advise me…
-
Advice needed please
Hi I'm a bit confused, OH is saving for fees to go bankrupt and has stopped paying his creditors, i am not currently working, just have CHB and CTC and have been advised by CCCS that i need to send a letter (which CCCS have sent me) offering a token payment to my creditors (joint Overdraft £2.5k which i understand will…
-
Here Goes Nothing... always_amazed's debt diary
Righty ho, here I go! :heart2: I'm doing this diary to help keep me focussed- so sorry if it's really boring, poorly spelt or goes off on one now and again! It's also so I can look back on it, and hopefully, I'm starting this now because I had a major fall off my DFW wagon last month; and I can't afford for it to happen…
-
From Jags to Ritches
Not quite sure were to start with this! But thought this may just help me on my way to being debt free and let me chart my progress on the way! I'll try and update as often as i can and hopefully you lovely people shall help me along the way :) Let's see.. Background.. 21yr old Male from Scotland, Live with my parents, Got…
-
Turning secured debt into unsecured?
Evening all, I do hope I'm not repeating something that's been discussed a dozen times before, I did do a search, but nothing came up :) Basically, my question is this: has anyone ever successfully managed to turn a secured debt into an unsecured one? Or am I deluding myself in thinking this could be a possibility? Brief…
-
Giving you an answer - close to debt crisis and seeking advise
I looked at your site MSE for one on one money help. I read i could get help from CCCS, National Debtline or CAB (look under the page Debt Councelling: where to get one on one help. I rang CCCS as your site recommends and I just want to mention to people who are going down this route to really ask questions. I watched your…
-
Nationwide - CCJ
Has anyone been taken to court by Nationwide for a ccj. We are in the process of recieving an ccj from Nationwide we are also with payplan and we are hoping the judges deals with us fairly. CQ
-
Debt Free
Debt free as of 31/10/07 Car loan of 10k gone. Credit cards of 12k gone. A massive thank you to everyone on here for all your advice and tips over the last few years. I have not been the most vocal poster, but I have sucked in as much money saving knowledge as possible :T We have even managed to save money aside for our…
-
Credit score stressing!
I'm after abit of advice from an expert about credit scores on the following issues. 1) I have just graduated and over the last few years i have moved house once a year on average - i've heard that this can have a negative effect on my credit score? 2) due to debts in 2000/2001 my credit score used to be bad - however I'm…
-
Debt V Salary - what's yours?
I've(We've) got a few debts over the last year aftering buying our 1st house. The numbers always look a little scary to me, but I worked out that our debt is equal to 39% of our annual income. I wondered what everyone else's is. What's your debt as a %age of your annual income? :)
-
Payplan advice please?
Hi everyone, have read a few posts about Payplan which sounds like a method of repaying debt. Have found their website but don't really understand! Am looking for a repayment plan for my OH who is constantly being hassled by creditors. Can anyone tell me more about payplan and if its a good idea? thanks
-
A downward spiral
Browsed this site a few times. Some great people on here. In a bit of debt myself, its affecting me badly. Suppose i feel its easier to post on here as i dont personally know anybody and guess some folk may be in the same situation. im about 2k into my overdraft. not a lot my i keep taking loans to pay it off and then get…
-
Help! I'm trying to get judgement against aomeone who owes me money
The person signed terms acknowledging they owe me money and even emained to say he would pay 2 weeks ago, however he has changed his mind. The issue here is not whether I will win judgement against his as I'm certain I will. The issue is this; The cleint has 4 recent address's. I know which one he is at however there is no…
