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Advice with my debts
Hi All, I was hoping if any of you have some advise about my debts. I currently have a loan with Llyods for £14,970 paying off £350 per month I also have 2 credits cards - one with Barclaycard with a balance of £5,900 paying around £120 a month and another with Virgin with a balance of £2,900 paying around £30 a month As…
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HELP desperately needed, son in debt!
Hi everyone, I am new to this board so please forgive me if this should have been posted elsewhere. My son is in debt. Not a huge amount but it is causing great problems. It all started with university and has just been compounded with interest. He owes in total, between his student bank account and credit card, about…
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Statute Barred Query
At the mo I am in the process of contesting a debt - which I have other threads on. My query is, if I was to successfully reclaim the money I have paid to the DCA in question and they were to then sell the debt onto someone else to try and claim it would the payments which I had made over the past few years be wiped out?…
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Daily Chat Thread 7th Feb
Morning all.. sorry I haven't been around this morning and didn't start the chat thread.. have been busy working on a song idea and trying to get the hang of the worst music editing program I've ever used.. :rotfl: Anyway.. having a break so how's everyone doing this morning?
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Ebay novice
Morning ya'll I regularly read that selling on ebay is a good way of making money on junk that is littering our cupboards but to be honest, I have never used ebay and wouldn't know where to start. I was just this morning looking for a new lap top battery on ebay for the first time and was bombarded with a million odd…
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Npower - Offer to pay.
Hello everyone Can anyone tell me whether Npower HAVE to accept an 'offer to pay'. I have a £1077 bill, which was basically run up over a period of year, because they kept underestimating, and (of course) I fell behind with payments because I lost my job etc etc. Also I asked them to allow me to set up a DD which they…
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Cold callers/ Debt collection
The address at which I live is being plagued by constant callers who won't disclose who they are. They are looking for a previous resident who has long since left, and despite my having told them this a million times, they call at least 2 times a day to ask for the same person. I have tried being nice, understanding,…
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OMG! Quidco works!
Morning all, Have just been reading some of the threads and Quidco deals kept being mentioned-I registered about a year ago and tried to use it a couple of times, but nothing ever seemed to track, so I just forgot about it. Just logged on and thought I would see if there was anything I could sign up for, to test it again,…
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DMP Mutual Support Thread (Part Three)
This is the third part of the support thread for anyone on a DMP The original started by 95Kelly, and the second started by nearlyrich BG have got so big they are in danger of slowing the site down. I have copied the list of contributors from the thread and reproduced it below: Members Numbers: 95 Kelly 1 teecee 2…
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Liability For Commerical Rent
Be very grateful if anyone can help me with his question. Is somebody occupying the business premises liable for rent if they have never signed a lease? My husband and his brothers took over a business from their father after he died occupying council premises, they never signed a lease and got into arrears with the rent…
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Screw Over **Amy** day...
I got home from my rubbish day last night to even more rubbish news. Firstly a debt collection agency letter for £361 for EDF Energy (who i havent been with for nearly a year) saying I owe them that for their final bill... !!!!!!?? I have had no letters or anything. Phoned this morning and they said I have to pay a minimum…
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just me again sorry
need a bit of advice had another letter of another debt i do have a few and this time this company is saying i have 7 days to pay in full not going to happen as just over £500 or they are going to take me to court which will lead to people coming to my house to take things and there will be extra charges going on just over…
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Does CCA cover Overdraft debt
Does anyone know if a CCA letter will cover an overdraft debt. This has been talked about on other threads but I m not sure if it does. If it doesn't cover overdraft debt I don't want to send one and provoke them into more sever action. Anyone sent a letter for an Overdraft debt?
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Pap & Moozies what have/will you spend Thurs 7th February???
Morning everyone:D I am hoping for a nsd today - can't think of anything that will foil my nsd plans. Hope everyone has a great day
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Thursday 7/02/08 What small dfw thing have you done today???
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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newbie facing up to debts
Hi there! Im new on here! Just finished watching that debt programs reprossion reprossion reprossion (sorry bout spelling). Well since the age of 18 i have always spent loads but always cleared it. I now am a student aged 27 with a 22 month old and im 5 weeks pregnant. I know many would say why plan to get pregnant when in…
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newbie facing up to debts
Hi there! Im new on here! Just finished watching that debt programs reprossion reprossion reprossion (sorry bout spelling). Well since the age of 18 i have always spent loads but always cleared it. I now am a student aged 27 with a 22 month old and im 5 weeks pregnant. I know many would say why plan to get pregnant when in…
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On a DMP and credit cards still charging interest!
Is anyone else in the same situation and have you found a way to stop the credit cards interest/late payment fee? I have been on a DMP since November 07 and 2 out of 4 cards are still charging interest on the outstanding amount and adding on a £12 fee for not paying a minimum of 1%. Now the outstanding balance has gone way…
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SOA Sticky?
I've seen so many people posting to say that there's a sticky explaining how to produce an SOA that I've started telling people that it's there. In an idle moment I actually went to the trouble of looking for it - and someone seems to have nicked it!! I suppose there's an outside chance that I could have missed it, so…
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Options for an old pension - can anyone help??
I had my lightbulb moment quite a few months ago now and have found this site an absolute godsend for pointing me in the right direction and keeping me on the straight and narrow. Over the last couple of years I have managed to reduce the debt from over £20k to around £4 and know that there is now light at the end of the…
