-
Finally Debt Free
I have not posted on this board before but I have had a lot of support from reading other people's posts. As of Friday, I am finally debt free for the first time since I got my first student overdraft 13 years ago. A giddy feeling. Along the way, I have dealt with some honourable creditors, some hectoring sh*ts and…
-
I am trying so hard
Hi I don't know how to start.. deep breath..please can you help? At the end of 2006 I found out I was very ill,I went into hospital for a long time and left my 19yr old daughter at home with the two boys. To cut a long story short ,bills she was supposed to pay she didn't and I ended up owing money to barclays/barclaycard…
-
What the hell is going on with Virgin credit card?
Got a letter saying that they are increasing my APR from 17.9 to 34.9% - I have a 4.5k balance sat there so this is a total disaster. From the credit cards section of the forum it seems other people have had the same kind of increase. What is going on? This can't be fair surely! I have only ever missed one payment with…
-
Default Notice - Anyone know what the law states?
Is there a legal requirement for a company to issue a Default Notice? To clarify - if i make no payment for 3 weeks can the finance company issue a Default Notice or is there a set time of "missing payments" they can issue the notice? Any legal advice would be appreciated. Thanks
-
I need some help to deal with my bf
Dear All, As most people start their threads, I too have been a lurker on this board for quite a while, being inspired by what you do and how you get out of it, but right now I am also envious that you realised you needed to do something. My bf was fired in July and he has no job. He is a smart guy but he is also suffers…
-
help or advice needed urgently
ten years ago I landed a job with local government after bringing up my son singlehandedly. I had lived off benefits and was always struggling with my finances. I opened a bank account with Lloyds Tsb so that I could have my salary paid in. They offered me a credit card and I accepted. I used this for all sorts of…
-
Wow
Just phoned the Alliance and leicester and they are offering to reduce the interest rate on my loan by two percent (with a new loan), will check how this matches up on my spreadsheet to see whether there are sneaky fees etc. I must be flagged up on there system now, as several messages online and debates (with onlookers)…
-
Help - I am getting frustrated
I have been a lurker on this site for about 18 mths now and have reduced my debts considerably. This afternoon I decided to take the bull by the horns, get online and try and reduce some more out goings. Firstly I managed to reduce my phone tarif by £20.00 per mouth - horray. Then I managed to reduce my House Insurance by…
-
7 year old CCJ served at address I didn't live at catches me up. What can I do?
Hi, I started a thread at http://forums.moneysavingexpert.com/showthread.html?p=8210913#post8210913 but things have changed quite a bit since then so I'm starting a new thread. Hope that's OK. Thanks to everyone who helped in the first one. Anyway, here's my situation: - A CCJ was registered against me on 18th Jan 2001 (Ie…
-
help or advice needed urgently
ten years ago I landed a job with local government after bringing up my son singlehandedly. I had lived off benefits and was always struggling with my finances. I opened a bank account with Lloyds Tsb so that I could have my salary paid in. They offered me a credit card and I accepted. I used this for all sorts of…
-
Anyone able to help at all??
Hi there; I posted on here quite a lot recently but haven't done for a few weeks. I'm beginning to feel really really scared about my debt (it's not just what's in my sig unfortunatley; I'm waiting on finding final amounts for some student stuff that I didn't know I owed until about four weeks ago; but the agencies are…
-
am scared !!!!
Hi, i have been unwell fro the past 2 years and my husband and i have really struggled but the last 6 months have been horrendous, i have fallen well behind with my credit card payments, every other bill i have managed to pay and still am paying, but these 3 cards i have are a nightmare the three total £9000, i have tried…
-
Credit Agreement Default stage
Can anyone tell me exactly what this 12 day untill they're in default means. What position does this put the creditor in if they haven't supplied a copy of the Credit Agreement. I'd like to know because its been 12 days now.
-
Porting mortgage & credit checking
Hi does anyone know if i were to port my current mortgage with Mortgages Plc and keep the same amount of mortgage, would we be credit checked again? We are currently moving house and was going to rent but have now found a property to buy. We know our mortgage is portable but wondered if they will credit check us as hubby…
-
I don't know what to do?
Hello there this is my first post on here!! so here goes. I cried all night last night and didn't get to sleep till 4.00am. I have been in debt for 4 years and finally got onto DMP last Sept, hurrah I thought now I can relax and start living my life again, BUT the Halifax are still putting interest on my debt and said they…
-
please help me :(
hi guys, i really need some help, i havent slept all weekend thanks to a letter i got on saturday.me and hubby are currently in an IVA and have been for 1 year now. we had a few problems with payments when hubby lost his job but did the best we could. now obviously there are some arerears which we are trying to deal…
-
please help
:confused: My partner is in big trouble and i dont think he realises that .... he has council tax debt of over 4ks..overdraft 0f over 2k, unsecured loans and credit card debt of over 8k...he is late with all of them and has been getting some threats from colecting agencies..:eek: he is self employed and lives in rented…
-
Advice needed - refund...
Not sure if this is the right place to post but hopefully you may be able to help me... In July I signed up for some advertising for my self employed business, and paid £150 first installment. I was told that the advert would be live within 4 weeks. In October, the next installment of £150 was due, but the advert was still…
-
Bank accounts and credit files
Hi all, I know this is almost certainly in the wrong section but I think you guys know more about credit reference agencies than most :rolleyes: Ok so when you obtain credit the company that provides it marks your credit report usually monthly to say that its been paid/ not paid etc. If you dont have a credit facility with…
-
help! should I delay my council tax payment
Hi I am having a really bad week. I fell behind with my council tax this year so I phoned and they agreed to let me pay it over a longer period. The last apyment is due tomorrow £102. The problem is the car broke down 2 weeks ago and we had to spend £200 getting it back on the road cos my husband cant get to work without…
