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HSBC managed loan issue ?
So I've recently set up a standing order for my hsbc managed loan account i pay £150 from my bank account to my managed loan account The standing order i started in januray, it seems januarys payment went through without a problem. But the payment i made on the 5th of february has not been received it seems,I received a…
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Please help....
I don't know if anyone can at least give me some advice as I feel like i'm in a blackhole. In a nutshell, I have approx 30k of outstanding debt which is being paid at £124.00 via a DMP through the CCCS. It doesnt take a genius to work out that it will be along time before I am debt free. I have only recently found out that…
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Order of Debt Payment - Do You Agree?
Hi Everyone These are our current debts, interest rates and the order I am paying them in. I should be able to pay £1500 per month until they are paid off. Does anyone see anything wrong in the order? I am paying off some of the 0% first because they run out in August/September and I dont want anymore balance transfers if…
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Ohhhhhh I'm really annoyed with myself!!!
I've just worked out that my husband and I are paying out £900 a month in debts :eek: We're so stupid and can't believe we've got to this stage. I wish I could turn back the clock. Sorry to rant but feeling low about money at the mo - as you can tell.
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Can anything be done.
I've just checekd my current account with smile and I only have £100.00 left. I have about £180.00 of bills left to pay and I dont get paid for 2 weeks. (plus I have nothing spare for food and travel). obviously this will take me over my over draft limit, smile won't increase it (infact it decreases each month). Do you…
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Experiences of DMP with CCCS
After years half heartedly trying to resolve my ever increasing debt I finally went to the CCCS website and did a Debt Remedy report which came back suggesting a DMP. I applied online on Monday and should receive the forms any day now. Just wondered what people's experiences were with this action. How long after completing…
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Advise needed
Background In 2004 my shop closed although the bussiness it's self didn't leave me much debt. Durring it's failing months the credit cards and current account took a batterring. It took 6 months to finally realise we had a problem and a further 12 months to set up debt management through payplan. For the last 16 months we…
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Debt Problems
Hi to all on MSE I need some help or advice ! We are living on benefits as we have 3 children , one of whom is disabled so as a result i am unable to work through no fault of my own. We are not "Scroungers" ! But we have fallen into debt because of unscrupulous Lenders ie "Shoppacheck - sort of people who charge…
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UK Default Recovery-Sorry if in wrong area
My OH has received a letter from them saying he has a debt of £214.04 and they want immediate payment. It is headed CL Finance -v- Mr XXXXX case number XXXXX. I remember seeing someome advised on a template letter on what to send these types of people but I can't seem to find anything now. I think this may have something…
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Strange Card thro the door ! Help?
Ive just got a plain white postcard thro the post with my name in it saying please call 01254 302201 between 8am and 7pm urgently! the return address is PO box 37 in preston x lancs any ideas who this is ? do i ring the number or wait until they can be bother to tell me who they are ???
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Credit reports - how long to wait
Have sent for all three of my credit reports £2 paper route for each can anyone give me a rough idea how long they take to come through please.:beer:
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Voters Roll: was never on it at previous address, what to do?
Hi, really hope some of you incredibly smart people can help me! I recently got turned down for a loan with Tesco who reckoned they could not reconcile my previous addresses. I got a phone call and some questions about why I wasn't on the Voters Roll at an address I mentioned in my application -- and a few days later I was…
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Is this now the norm for sidestepping the rules?
Alreet guys I made a wee tactical error with my money in Jan, and ended up goin £30 over my O/D limit. :doh: !!!!!!. It now seems that HSBC have decided that instead of charging the legal £12 penalty fee (which I have no problem with - It was my screw up!) they are going to charge me a £25 'arrangement fee' for extending…
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Personal Guarantees..Etridge Guidelines......Directors........
Hi There,Before I go into a lengthy explanation of my situation, is anyone familiar with the Etridge guidelines, relating to debts incurred i.e. personal guarantees, as a director, without prior knowledge of the type & being ill advised.RegardsPril the babe.Just want to set the scene: -.............the risk of ineffective…
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08701525672 - anyone know who this is?
Had a call at 8am this morning(!!) from this number - I was feeding my baby so couldn't answer, but they left a message. The message was weird - someone mumbling something I really couldn't understand (sounded foreign) and lots of background noise. They phoned yesterday too. I tried to google them but to no avail - noone…
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Mbna Problem Cca Request
HI I HAVE REQUESTED MY CCA FROM MBNA THEY HAVE REPLIED I HAVE RECIEVED : 1 TERMS AND CONDITIONS 2. ORIGINAL APPLICATION 3. LAST STATEMENT ALTHOUGH THERES NO SIGNATURE ON IT IT WAS DONE ONLINE THIS SAYS "THIS IS A CREDIT AGREEMENT REGULATED BY CCA 1974 SIGN ONLY IF YOU WANT TO VE LEGALLY BOUND ACCEPTANCE OF TERMS AND…
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IVA - Can anyone answer my question?
:confused: I have been doing an IVA for 2 years in July. The only reason I was able to get an IVA is because I am in full time employment and I'm living with my partner so can show joint income and expenditure. One of the the rules of an IVA is that you are not able to apply for any credit. This is fine but my partner is…
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Ok here goes soa
Earnings approx £1,050 per month sometimes slightly sometimes a bit less I'm self employed so it can vary. Outgoings Ins house van etc 55 Diesel 50 Water rates 41 Council Tax 120 Tv Lic 11 AOL 17.99 hoping to change to £10 per month Telephone 20 Gas Elect 100 food 350 Loan cahoot 120 Lloyds 65 credit card repayments 220 if…
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Which way to turn (aka:feeling a bit low and need advice....)
Hello all. I could sure use some advice or even just a virtual shoulder to lean on :cry: The full implications of the wife leaving me are sinking in and in truth, I feel more frightened than I've ever felt. Add to that the financial mess of £16K cc debts she's created and, well, you can probably imagine the state I'm in…
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Pushbike/moped/car? None?
Dear All, I've been without a car for nearly a year now and it's saved me alot (in it's last year of life it was costing about £200 per month inc everything cos of repairs etc) and I can't really afford a new one at the mo. Being without a car hasn't been as difficult as I expected, but I am getting very bored of not…
