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Picture Loans closed
Not sure if any people on this board are interested but Picture Loans are currently closed for New Business: http://www.picturetheloan.co.uk/
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Advantages of Switch
Anyone know if theres any advantades of a Switch card over other cards eg..electron, visa,maestro.I have a nationwide card for travel with cirrus,an a electron is cheaper with ryanair, but I want to open another bank account and was wondering which one is best or if theres any benefit to other cards!
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CCJ Paid Off - Scotland
Hi Some advice needed please, I have a CCJ issued against me last year over a dispute with my local council over an overpayment of landlord rent when I rented my property out through the council (DSS). I will be clearing this off today - hooray, however I wanted to know how I show that I have now paid this off on my Credit…
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Need help ASAP
Hi all I need help compiling a letter if possible. Hubby took out a loan with Welcome Finance two years ago, and we fell behind on the payments last year. After constant phone calls, harassment and threatening we agreed to pay £25.00 per week, which up until recently was fine. I have since become ill, need a hysterectomy…
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Advice needed for a mate
Hi, a mate of mine has just recieved a letter from a debt collection agency saying northern power have just passed on his account to them and they are beginning court proceedings, will send baliffs round his house, charge him 60 quid for the visit (before any court action) (all the usual scare tactics). the situation is…
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mirror bingo
Hi I've just signed up to Mirror Bingo through a link on here and had to put my card detials in. The site doesn't seem to be working properly and i'm worried that my card will be used fraudulently. Does anyone know if this is a safe site? :confused:
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Debt Help please?
Hi, A little bit of help would be appreciated here please. I am self employed, have an £80000 mortgage, £18000 on 3 No. 0% credit card deals and a couple of loans toatalling £20000. I Have £2000 in a savings account and need to know what I should do first to start to clearing my debts? I think my name has been aptley…
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Is it possible to live on under £250 a month
Hi, I wrote on here a week weeks ago and mentioned how my boyfriend and i split up and he wanted me to move out our house. Luckily i have a flat i am going to move back into. On the house front he is going to keep it take on any joint debt, my credit cards and then when the house is sold give me a share of the profit made…
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I feel great!
Just had a mortgage advisor round to discuss my remortgage. Told him about my debts in the course of the monthly outgoings conversation and he said the best thing would be for me to consolidate the debt and add it to my new mortage :mad: I told him about snowballing, and how my debt was slowly but surely coming down and he…
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crapquest have sent an application ??
Hi Thanks to some great advice from here i sent a letter off asking for a cca. They have written back to me saying they have enclosed the information i requested. What they have enclosed is a copy of a fast track application form. What do i need to do now? Thanks for your help:beer: xx
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Add to remortgage or os there another way?
Hi, I'm looking at remortgaging, and was going to add various unsecured debts to this. My debts are: Current Mortgage- £169k Years outstanding- 22 Property value- £415k (accurate) Debts Credit cards- £8k Overdraft- £3k Loan- £7k Earnings- £45k (single income household at moment, as my wife at home looking after baby)…
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Thanks for much and sorry for lurking
Hi everyone, This is my first post on this forum and have feel really bad about it as i really feel that the people on this forum has allowed me to regain my life. Today I'm paying back the last £48 of my debt and i couldn't have done it without all the great posters on here. I'm sorry i wasn't more active and didn't join…
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SOA - can you get it down?
Hi, Myself and my husband have loads of debts that we are really trying hard to pay off! If I post my SOA I was wondering if youve any comments on saving anywhere, every little helps! so: Me wages: 1400 H wages: 1100 total: 2500 Rent: 425 Council Tax: 94 Internet: 14.99 (has to go through a phone line as no cabelling in…
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Is my friend completely mad or is this the 'done' thing.?
My friend is a single mum with 2 children and on benefits, she rents privately . She took out a loan in july 07 for 12000 from lloyds tsb ( which i said was a bad idea) she consolidated everything then she started on the CC she had cleared ... now she has 6000 on CC and the rest of the loan owing. Plus a massive overdraft…
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baliff law
hi can you advise me? A couple of months ago i missed a payment to some bailiffs. i phoned them at the time (a week before payment was due) and told them the situation and the payment would be 6 days late. They said this was unsatisfactory and they would be sending a bailiff round to seize my goods which they did! he came…
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Barclaycard, Wescot & some other debt collector!
I closed my Barclaycard account in 2002 after racking up a £1400 bill (give a card to an 18 year old!!). Barclaycard passed on my bill to Wescot who I came to an arrangement with to pay a token fee of £10 per month on the agreement that I would pay NO INTEREST on the debt. This has been merrily ticking over and when my…
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Debt Management Companies and Defaults
Hi, I'm after a bit of advice.... In September 2005, I entered into a debt management scheme with a company who I won't name! I paid almost £1000 upfront for them to set this up (looking back this was stupid - as I know now there are companies that do it for free!). They fiddled my outgoings so it showed I could pay back…
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cccs
Hi all was advised by the cccs to pay all my creditors £1 each in december lasrt year, sent them all the info incomings /outgoings etc some acceptd some didnt got defaulted by most so now credit rating shot to bits. The problem i have is this some say they will accept £1 per month off the cccs directly but not off myself.I…
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mobile phones
Hi all Just thought i'd add my opinion of mobile phones: 3/4 years ago me and the wife had the latest mobile phones on contract. At the time we thought that they were a necessity believing that by loosing them would leave us vunerable. Lets be honest advertising tells us this! Since that time we can say that except for 3…
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How do DFW holidays work?
In the past I've always spunked a load of money on a credit card (including buying travelors cheque's as a cash advance :eek: ). I'm just about to start a DMP with CCCS and with little money and no currently holiday plans I'm looking into what I can and can't do. So thought I'd start this thread looking for suggestions. If…
