-
MH & CapQuest DCAs: Winding them up?
Purely for fun... I have been receiving letters from these two DCAs regarding a debt belonging to a tenant who lived at the same address years ago (no information known about the person). A couple of years ago when the letters started coming, I contacted them to tell them the person had moved on and they were wasting their…
-
Just Need A Bit of Friendly Debt Advise
Hi Everyone, I have been aware of MoneySavingExpert.com for quite a while now. I have been using a lot of the methods to try and get debt free. However, a lot of the recommendations are good if you credit score is good enough to get 0% cards and loans, if it is not you seems to become unstuck. I owe £3900 in a loan. I have…
-
Please don't be offened
Hi, This thread is not meant to offend anyone but I was wondering if anyone could give me some advice. Here goes: I have been lurking on this site for a while and have been impressed with the amount people are paying off, however when I read further it seems the majority of this is full and final settlements. It seems that…
-
Rant about mobile phones
This may well seem a stupid rant to some, but as I am taking a few days owing tagged on to my Christmas holiday, I have been having a look on the message boards and reading the threads. It seems to me that there is a huge belief that you can't manage your life without a mobile, and I am amazed by the bills some have, into…
-
What are you hoping to achieve in 2008?
Hi everyone, well seeing as I haven't achieved it this year I'm really hoping to sell my house. It been for sale since september but it coincided with the whole Northern Rock issue and the credit crunch and major slow down in the housing market. Which is just about my luck really.:rolleyes: Anyway because I cannot rely on…
-
does anyone else use a credit union
hi everyone I just thought I would ask because nobody ever seems to mention it? i have a credit union loan of about £9,000, and shares of between £4,000 and £5,000. the loan is paid of with interest, the interest rate reduces with the reducing balance of the loan. we pay £150 off the loan and about £70 on interest each…
-
Advice re: useless debt collection agency.
Hi all, looking for some wisdom if any can be spared! I've been dealing with two debt collection agencies for most of this year regarding a debt that isn't mine. Originally I was contacted by Wescot, and they have since passed everything to Capquest. (I guess because they weren't getting anywhere!) Points to note briefly:…
-
Default notice
Trying to sort out my dept problems and looking for a loan. What does it mean by 'defaults over £1000?' Does it mean the total debt was over £1000 or that the amount by which you defaulted was over £1000?
-
Monthly costs involved with renting ?
Good evening everyone Although i am in debt :eek: a fairly large amount *coughs* 19 k eeeejk ... my debt free date is meant to be 2011 but im crossing my fingers and everything to make it 2009 I'm 24 and want to move out of home (currently living home with my amazing mum) as soon as i am debt free Just wanted some advice…
-
Starting DMP
well my boyfriend is anyway. He's going with CCCS and they have agreed his outgoings and what he can pay per month. They said to just make a token payment this month as the DMP is hopefully starting in January. He's paid the minimum payment and I swear Argos have phoned about 40 times today and now sky card are in on the…
-
SERIOUSLY reday to leave my OH
This has nothing to do(well alittle i suppose) with DFW but I'm at my wits end with my GF. I earn a good wage, but i'm trying to clear my £13000 of debt by next xmas. But she is having tantrums about me saying no to another holiday in January.....why does she not understand!!!! i'm tearing my hair out. I pay everything…
-
So upset and down...
Well i havent been on for a while but i am just so stressed and down today. After the company i worked for messing up my salary 4 months in a row, they told me last week i am being made redundant. Because i have not been there long (5 months) i am not entitled to a redundancy package, and believe me they arent giving me…
-
Confused about why I'm being refused credit
Maybe I'm being a dumbass but can anyone shed any light on why I'm getting refused credit? The old story; got myself into a bit of a merrygoaround with the credit cards I've had for years which are now charging at top interest so although I have direct debits set up for these cards I can only pay the minimum cos most of…
-
Phone call triggers
Hi, this afternoon I have had three phone calls offering me there services and the use of an IVA to clear any debt I have. I have never had these type of calls before and I am wondering what could cause them. I had a credit card debt which had been passed on to a credit collection company but I cleared this debt in full a…
-
Charging Order Questions...
I got a letter from Northern Rocks solicitors today, saying they accept my token payment of £10 a month as long as they can put a charge on the house. Am I right in thinking a charge is basically putting my unsecured loan onto my secured loan?? And is the £10 a month aswell as what I already pay a month?? I've tried to…
-
Grrrrr.....NORTHERN ROCK
Hubby has just received the blue/white forms for a CCJ from NR. We are with payplan,so we filled in the parts they said too,and sent it priority post to payplan. As payplan will be closed for a week over christmas ,what will happen as the forms have to be back to NR within 14 days? Thanks to anyone who can help me. CQ
-
Newbie advice - Debtline advised bankruptcy - best option??
Had meltdown yesterday. Wanted to buy xmas presents but realised had nothing in my account. Finally realised after years of borrowing too much and spending too much that I have lived WAY BEYOND my means and I am now paying for my own stupidity. So, I totted up how much I owed in total, how much money was actually coming…
-
Court for shortfall of a mortgage
Hi all, hope somebody can advise my husband. He has received a court summonds for the shorfall of a mortgage. The house was sold in 2000 by the mortgage company. It didn't sell for enough hence the shortfall. They are asking for £23,335,87 plus interest from then until now which is £14,648,53. We recently sent the mortgage…
-
American Express / Newman Debt Collection Agents
I’m currently having a tough time with Newman Debt Collection Agents (working for for American Express). I've written to a number of companies explaining my financial situation and all but one of them have accepted my repayment offer... Newman Debt Collection Agents (for American Express). Even though they've refused my…
-
A bit of help
Hi all Been a while since I last posted on here! Anyway, I'm down to one last debt to pay off, via a collection agency. About £4,700 to go at £150 per month, so just under 3 years. woohoo! I had a letter off the company saying if I pay extra off before a certain date they would match that up to £1,000, so by taking £1k out…
