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Standard Letter To Stop Harassment.
My wife has debt problems which are being sorted out via CCCS. Most of her creditors are OK but Halifax are ringing her several times daily with a robot message from an "unavailable" number so we can't block it using BT's Choose To Refuse service. I seem to remember seeing somewhere on here a standard letter which you can…
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capital one help
Here goes mymum has had a payment arrangement with cap one for a defaulted credit card they ask every 6mths for an updated payment arrangement fair enough. The debt is about 2000 and she pays 33.61 which to be fair is more than she can afford especially with the fact that her circumstances have changed and she is now a…
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Doorstep visit
I have a debt that is statue Barred...Got advice from citizens advice and have got trading standards involved....But still the debt collection company are sending me letters. The latest one says that i should expect a doorstep visit soon and i have 48 hours to pay the amount...Which dates back to 1999...Anyway...can they…
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Here Is One Way To Clear Your Mortgage Debt
Do you think it will work for me:D :D http://www.thisislondon.co.uk/news/article-23437141-details/Man+who+refused+to+pay+mortgage+for+15+years+is+granted+%27squatters%27+rights%27/article.do
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Advice needed please urgently.
I ran up the limit on my TSB master card to £3000 and after burying my head decided direct action was needed. After reading up on here i applied for a barclaycard to do a balance transfer 0% for 13 months. I got the card a couple of weeks ago but only activated it this morning. After activating it i was told that i was no…
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Welcome Finance Question
Hi Guys, I know this is a very knowledgable board so am hoping you can give me some advice. I have a car and a loan with WF, I missed both payments on these last month due to lack of money so they have just called me, they weren't nasty and have said that if the loan gets sent to their collections department the car loan…
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bank transferred debt to debt collectors
Hi, my son is 19yrs old, unemployed at the moment and worried about a debt which started at HSBC. He was travelling abroad last year and didn't realise that he was overdrawn by around £10. When he returned he found that the bank charges accumulated to £130. He went to see them about it but they said it was out of their…
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Don't know what to do
Having read through a number of posts I think ours is a familiar story but that doesn't help me work out how to resolve it. Any advice would be really welcome. We have a reasonable income, nice home, mortgage and in recent years have enjoyed our lives.... a little too much. Getting loans and credit cards has never been a…
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No end in sight....
I am currently earning an above average income and have a secure job, the problem is, I have neglected my debt situation for so long the debt has crept up to a level that I can now just about manage. I'm paying off minimum payments every month and after my bills and utilities have been paid I'm left with very little…
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Iva
i am one year into my iva £400 per month, and feeling the pinch dont know how i will mange the next 4 years. can any body advice of a get out apart from paying up £25K but not bunkrupcy any help would be most greartful
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Debt management/negative equity & Bankcruptcy
Well i'm at my wits end and don't know what to do with my situation. Last February i finally pulled my head out of the sand and admitted we have a serious debt problem, i contacted Payplan who set us up a debt management plan for our unsecured debt over £160K as we don't have enough spare income to take out an IVA. They…
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So much debt
Hi I feel sick, I owe about 28,000 in unsecured loans, im not working due to having a baby. Can a creditor force bankruptcy on me.
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Looking for some advice please v long sorry :(
Hello everyone, I am a regular poster on mse, but stupidly use my real name. I have re registered so my mess of a life is a bit more anonymous :o Basically I live with my partner who when we first met had a failing business of which he was earning no income :( as a result of this he missed payments on his finance and other…
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Sent off my CCA requests yesterday!
For two debts both hubby and I are disputing. The DCA's in question are a total bunch of t**sers and I'm both petrified and excited about taking them on. I guess its just a waiting game now then? If they produce the cca's I dont know where that leaves us. Up sh*t creek without a paddle I guess!
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Help Neeeded
I have just done my SOA and I dont seem to have enough money to cover all our out goings. In DH Wages £2837 Child Benefit £220 Out Mortage £1028 Electricty £55 Gas £80 Phone £50 Internet £30 Life Insurance £85 Union £10 Tv Licence £12 Food £300 Petrol £80 Rates £45 Water Rates £33 Dentist £20 Opticians £10 Perscribtions…
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OMG! How annoyed am I? Lol!
Checking over my credit file yesterday and I came across a default that was registered against me in 2005...for 3p. 3P!!! That has got to be a wind-up right? It was for an overdraft with lloyds that I thought I'd paid off, however it seems as though I forgot the odd 3pence and the gits went and defaulted me. For 3p. Can I…
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Best way to pay off interest?
Hello all, I have a credit card with 6.5k on it, with an APR of 22%. What is the best way to pay off the debt, whilst paying the least possible amount of interest? The most I can pay a month is £150. What about starting by transfering the balance to an Ulster Bank credit card (0% interest for 6 months, 0% transfer fee)?…
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Me, M.E and debt!
Hi all great site learning lots. Im seeking advice on a complex situation , well you all might see it simpler but its complicated to me! In 2003 i had an accident in which i cracked my skull open (nice huh) i was diagnosed as having post concussion syndrome which was later diagnosed as triggering M.E which stopped me from…
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pulling head out of the sand!!
Hi all, I have debt and before having my second child worked full time and could afford my mortgage and general life. no CC's just home owner loan and mortgage. but when my son was born - life turned upside down, he has a number of medical problems and mean't i couldn't go back to work after the 6 months so had 6 months…
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Help with a snowball calculator please
Does anyone know of a snowball calculator that takes into account different rates on a card? The ones I've looked at all have a teaser period so you can have say 6 months at 6.95% and then after that the rate goes up to 12.9% and they're not what I want unfortunately. I need to have a calculator that will take into account…
