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Disappointment with Payplan
Dear All I have been with Payplan for almost 18 months now and have encountered no problems at all (in fact they have been excellent), until now. I have a small (£2k) debt with AA credit card and in November they started putting interest back onto my account, along with a late payment charge, each month. According to the…
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Mystery Shopping
Where do I sign up? Just a few links would be appreciated!
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lump sum payment
hi guys, i'm alot in debt (about 23k) and am on a debt management plan which was based on my old circumstances, they have changed now and are a little better, my creditors are happy with what i am paying and havent hassled me for a while. i'm thinking of doing an IVA but got a letter a week ago about a pension fund being…
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How much to offer ?
I have just received a letter from a debt collection agency this morning about a catalogue debt of £321 - I do owe this money but I am really struggling financially to pay it. I am on disability allowance at the moment. I want to contact them before they start adding on additional charges. How can I go about contacting…
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Marlin Financial Services Ltd - DEBT COLLECTION CCJ & CHARGING ORDER PLS HELP!!
We have been in our DMP with Payplan for 14 months now & everything has settled down...until Marlin. Our HSBC Overdraft got passed to them and they have been nothing but rude & Threatening. We had several missed calls from them in one day when we arrived home from work last October, I was told it was all in my name even…
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Any CCCS Advisors can answer an urgent quick question??
Hiya, Am just in the process of helping my mum (62) sort out her finances - she lives on £121 a week and I've just discovered she's £10k in debt & essentially goes without food/gas/electric to pay a loan & 2 credit cards (£250 pm). I've given her a budget sheet to do, we had a quick go over the weekend and I estimate we…
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shocking debt - can't see a way out - please help.
Hi Everyone, I'm in a real mess, primarily down to my own stupidity, extremely poor money management and burying my head in the sand until now. The situation in short is extremely severe and I just don't know how my wife and I will get out of it. Around 5 years ago, my wife and I had a 2 bed house with plenty of equity and…
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Rma
Help! I had a card through the post today from RMA Resolve, saying they are coming to my work (my mail is sent here because Im in the RAF) on Tuesday. Im guessing they mean tomo as its not dated, there's no phone number on it, just an address and a reference number. I think I forgot to make this months payment for my Amex…
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19 and Bankrupt (nearly)
Hi all! New and 1st post so any comments welcome! I am 19 and moved out of home. I am renting a place. I have a credit-card debt and the arrears on the account are more than i can afford to pay! On top of that i got a laptop on credit. Which i could'nt afford to pay off and i have now recieved a letter from a debt…
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How long can I pay Token £1 a month?
Hi all , not sure if this is the right place to post this, as I have only just arrived on the forum. Have recently reduced my income due to change in job and stress at work, and found that we could not really manage due to one thing and another. We have really overhaulled our finances and can safely say that I don't think…
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CCCS DMP review
I started a DMP with CCCS towards the end of last year and am due my 'review' shortly. I was wondering what this usualy involves? Is it merely a phone call to go over the budget set for me, or does it involve sending off wageslips and statements etc again to the CCCS? (If this is the case will take me a while to sort it as…
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Bank Charges update
Apologies as I know the info will be out there on what the outcome of bank charges is but Im reading so many mixed reports. Is it still possible to reclaim bank charges or is there still a test case ongoing.:confused: Thanks for any replies
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urgent answer needed
hi all, really need a quick answer to this: currently setting up dmp with cccs and recieved the next step today with letter to write to creditors with and agreement etc to sign. it says while we are setting everything up to make a token gesture to each company, but not sure how much to pay?we have 11 creditors and £457…
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Help Please :(
Hi, Other half and I bought a villa in spain 3 years ago as an investment, its a rental property that we rent in the summer. To cut a long story very short, buying and refurbishing the villa has got us into a lot of debt. Both in our twenties and got carried away with things. We had to lay down £60k deposit on the place,…
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Reclaiming PPI on a DMP debt
Hi all Longtime lurker and (very) occasional poster here. I've been on a DMP with the CCCS for the last six months (thanks, in no small part, to the ace advice and info I gleaned from this board). It has all been running fairly smoothly thus far - all bar one of my creditors accepted the plan and most have now frozen…
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tell me not to panic
been dealing with debts, its hard juggling when it makes you feel sick. I have made big strides in this since the end of January when I had my lightbulb moment but it's scary as hell. Just called Sainsburys (one of my ccs)and realised my payments have barely covered the interest (18.9%) on a 6500kdebt). I am stretched to…
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Advice needed pls - full & final, savings, mortgages
Hi guys, I’m after some advice please! I currently owe around £35,000 on unsecured loans and credit cards. I’m in the process of selling my house due to the break-up of my long term relationship. I’m going to come away with £55,000 - £60,000 equity so will pay off all my debts with that (I’m hoping to settle for a bit less…
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Help! Letter to send to creditor?
Hi all Just a quickie, this one! A few months ago, my friend got a letter from Thames Credit about a debt he didn't know anything about, from 1992. Yes, I assume this company were just trying to get lucky and we've since found out how dodgy they are. Anyway, I founmd a letter on this site, or a link to one, which quoted…
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How to get through to OH?
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Red Debt Collection.
i recieved a letter from RED back on november 23rd saying i owed lowell portfolio £892.28. i rang them straight away and told them i had no knowledge of the debt. they told me it was taken out on the 14/05/1997. as the debt is over 6 years old and this is the first comunication from them i sent them a letter by recorded…
