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Just a quick dmp question..
Hi All.. Have been trimming, and cutting down for a few months now, but in July the interest on my MBNA card will be going up to 29% from 0% and I know I won't be able to make the payments. Have tried getting 2 0% balance transfer cards, but been unsuccessful. Have done the CCCS debt remedy thing online and it recommended…
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Happy Birthday Sammiboo
Just noticed its your birthday. Have a good day. :beer:
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old mbna cc debt, is it enforceable?
My friend had a business from oct 1999 to oct 2001. The buyer refused to pay for the stock after purchase. He was left with a few debts, some direct to suppliers some on credit cards. Due to moving around with work his paperwork filing was less than efficient. He has no record of this account and no correspondence. Just…
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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 without prior knowledge of the type & being ill advised.RegardsPril the babe.P.S. All will become clearer, a thorn in my side.Just want to set the scene: -.............the risk of…
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very unhappy bunny tonight - Help needed
right i normally keep a eye on my credit file online via checkmyfile which seems ok as lets you see all 3 companies etc Ok back in 2003 i got a defualt for a credit card but the debt collection agency refuses to reply to my request for the credit agreement. Also i dont no how this happened but it seems they gave me another…
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A Mountain of debt
I have a mountain of debt £60000 (unsecured) My first post, so checking I've done it right. Awaiting reply so I can give you guys a breakdown. HELPPPP!
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need help :(
dont normally post on here but my little brother has got me compleatly stumped and was looking for a bit of advice. hes 19 years old and has managed to get himself into debt with his bank totalling £900 (they kept giving him bigger overdrafts even though they knew he had no job or money coming in) i suggested that he gets…
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Could your debt problems have been avoided?
I fell into a hole when I lost my job and couldn't get work for a while. But there's always the risk of that happening when you don't live within your means, and you have to factor in things like changes of circumstances when you're whacking things on the plastic! So mine could have been avoided, definitely.
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How Can You Tell A Fake.......
......Burberry bag please? :confused: My cousin gave it to my mum who in turn has given it to me (hope you are all keeping up!!!). I do not want or like this bag, so was thinking of putting it on e-bay to help with my debts, but not sure if it is fake or not. My cousin is loaded so for her it wouldn't be unusual to have…
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Closing a C/C account
Newbie here, been lurking for too long, now need a simple question answered. I've got four credit card accouts, all the cards are cut up, and all without any outstanding debt. I have not as yet closed the accounts tho'. Is there any advantage to closing the accounts. Thanks
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Can I raise £10k by means other than full time wages?
Does anyone know or had any experience of raising around £10k by means other than their full time wages? Perhaps in two years or less? I know this may be quite a challenge. I've so far this year made around an £80 profit through selling some old uni books on Amazon and I plan to sort my stuff out and put things I don't…
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Finally getting my head out of the sand..
Hi All -First time posting here. Finally taken the step and faced up to the amount of debt I'm in after burying my head in the sand for way too long. I'm making contact with the CCCS tomorrow. What are you experiences with the CCCS?
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opening a new account
I have posted a few times over the last couple of days about me contacting CCCS and dealing with my debt i am going to do a DMP with them everyone has been really supporative thankyou. I have not included one of my debts in this plan because firstly it is a loan which is with the same company as my morgage also the loan is…
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Help Needed " WORRIED SICK "
Hi all, I sold my house to a friend about 15 months ago and moved back in with parents, with my nice profit i paid off all my credit cards and debts. My friend now rents out my old house as he deals in letting property. He contacted me today and told me a bailliff had been to my old house looking for me, so i called all…
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Is there any difference between Payplan and CCCS ???
Do you guys and gals have any thoughts or experiences ??
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paying money back advice???
Whats that thingy called where you make them an offer to make a payment on your credit card bill. Then in turn your account is closed. Does it effect your credit rating? Has anyone done it? Any advice would be great. We're selling our house and we would have the money to pay off all our credit cards but obviously if we…
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pay off all debts or try to save a bit too?
As most of my debts defaulted a few years ago, the interest option isn't there as it's just the capital owed that is being repaid, so I'm not losing out in that sense by having to pay more on top through interest over a longer period. But what sort of approach do you have, best to keep a fair bit aside for emergencies and…
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Breaking-up and in debt.....
Hello all. Sorry if this is in the wrong place but as I'm in a bit of a state, well a lot of a state if truth be known, hopefully, you'll bear with me. After 16 years, my wife told me last week that she is leaving me. It's a complete bombshell and nothing I say has any effect, She just keeps saying that she wants to go her…
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Just a Question.....
Hi everyone, I've been reading some of the diaries on here; they are very inspiring and supportive. I've got myself into quite a bit of debt but am hopefully slowly turning things around. I have moved into shared accomodation which has slashed my outgoings considerably and I am going to start a money diary to keep track of…
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What does a Default Notice Look Like?
Hi there, Is a default notice an actual court document or is it somethingthat the lender types up on plain paper. Ive been trying to search the net and found these 2 examples but they look formal: http://scotland.shelter.org.uk/files/seealsodocs/10910/Notice%20of%20default%2Epdf…
