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help
Sent off my cca letter last week just recived another letter from dc saying if I dont pay by feb 18th they will start court proc.Do I just sit and wait or ring them Ras can u help x
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Ohhh that felt good!
Well i know it was only a little bill in comparason to some of my larger ones but i managed to clear a bill today! :T homebase £39.11, means no more interest on that account for me either, On the other hand, confessed to british gas about the bills they were sending in the old peoples names, ( i have contacted them 3 times…
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getting to the point of irratation
I dont know why but the past week or so my debt has really started to annoy me. I think more becuase when I come on the forum I see my sig and can see I havent got THAT far to go. I have managed to clear a load of debt in the past 12 months (over 10k) and now I know that I cant pay anymore than £100 a month due to just…
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Advice from CAB
Hi, My Mum has been using CAB for sorting out her debt problems - she owes 12K - I won't go into the gorey details, but she is now a widow. However, I am concerned over CABs advice - they are really pressurizing her to sell her house. She owns the house outright, no mortgage and the house is probably valued at 250K…
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help!
Ok this is my second attempt at posting so hopefully it will go well. Relaying my statement of affairs is difficult as for the past two years I've just run from debt and moved so letters aren't getting to me. The info I can give in my SOA is as follows: £5,000 in court costs following a failed claim in a tribunal against…
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Lightbulb moment. SOA included!
Hi, Im 21 and in the summer I would like to move in with my partner, so need to clear as much debt as I can by then. Im a student and graduate this year so it is limited to the time and money I have. But here goes. Incoming Wages £390.40 Outgoings Welcome Loan - £120 (my mums pays £50, as it should be £190) Capital one…
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First National Loan
Hi, I am new to this site but just looking for some advice plz... I took out a personal loan with First National back in December 2004. I got into financial difficulty soon after and was unable to continue making payments of £103 per month. I cancelled the direct debit from my account and seeked help from the Citizens…
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Couple of questions
Hi I have just made my first payment to CCCS. Mbna have been trying to get hold of me via phone when I asked for them to only write, should I call em back? MBNA have got hold of my DH (he has an account to) they called him at work and said he has to increase his payments he was good and told them that it has to go via cccs…
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A scary step in the right direction...
Hi all!! I've just been on the phone and managed to cancel my DMP for which I was paying a £35 charge every month! - Boy they really don't like you leaving them tho!! So now I'm sorting them out myself and so far its not looking too bad!! Hopefully I can manage on my own, I think I'm fairly organised so we shall see!!
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£50,000 In Debt...How can I Earn Extra Cash ASAP.?
Hi Guys, Yes thats right I'm £50,000 in debt..!:eek: and I so want to get rid of it..!! I'm seriously in debt and would really appreciate some help & advise on how I can earn as much as possible per month from the internet e.t.c to clear my debt as quick as possible.? There's too many sites out there that I just, simply,…
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debt mangers ltd and aktiv kapital
newbie here,so greatful for all you advice. yesterday i got a letter from debt mangers ltd asking for £322.63, and i aked them whats it for, they said it was from a bank account i had in 1997, not agreed overdraft.i asked if they had any proof, all they said they got a client reference number. so ive been looking through…
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Halifax Visit
Hi I Have Received A Letter Today Saying That A Rep From Halifax Will Be Calling On Me Tomorrow. I Have A Credit Card With Them That I Havent Been Paying And Stupidly Avoiding Them When They Call And Send Letters. What Can I Do I Cannt Have Anyone Visiting My Hoome
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What happens when you know you haven't signed a CCA
As title. Following on from earlier posts, aswell as the two creditors I want to see a copy of my CCA, I am going to write to all of my creditors (a lot of them) and request my CCA. The only thing is I know for sure with Freemans catalogue and Capital One I didn't sign a CCA as they were done via the internet and the…
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new mortgage deal needed and on a dmp
Hello everyone, The advice that i have read on this site and forums has been priceless. Keep up the great work! I need some advive regarding obtaining a new mortgae deal whilst being on a dmp thru Payplan. Our current deak with Northern Rock comes to an end in May of this year. I have started to make enquiries as regard to…
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Credit Score - Good with Equifax - V. bad with Experian!
Hi, I've recently been trying to get my finances in order and have applied for a couple of 0% credit cards and a couple of loans (to consolidate my existing loan and credit cards) all of which were declined due to my 'poor credit score' I applied for it with Equifax and it was 459/500 and said I was above average and a…
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Losing the will!!!!
New to the Forum nad fed up with being in debt: I am getting married this year and can't even afford it! venue is booked etc I have to come up with £5000 to get close to where I need to be. At the moment I am paying out for my debts over 800 per month and these are crippling me! Rough Idea of Debts: HSBC: Loan = £15,085…
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Ombudsman's decision - should I accept or fight?
I had some trouble with BT in 2006 concerning an account that's now closed. I have always paid my phone bill by DD until I changed to another company. They sent me a final bill, then a reminder, only this was for a different amount. When I asked why, it turned out that they were for two different accounts. They had…
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One Step Forward..........
I'm sure we all recognise the feeling of one step forwards and two steps back. After getting a little bit of unexepected cash from a former employer at the beginning of January, it's all but gone. The car has been taxed for 6 months, tyres have been put on it and it's due to be MOT's next week. The service light has now…
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Bankrupsy Question
Hi I'm sure I read somewhere that after the OR has agreed your outgoings list he can claim between 20 and 80% of whats left of your wages to go to your creditors but I can't find the post now. So can anyone tell me how is it decided how much? And for how long? Thanks in advance for any help. :confused: :confused:…
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light bulb moment
February 2007 Hello there, It has taken alot of courage but i have done my first budget in ages, I was so terrified of totalling up my loans. I'm hoping i can whittle all of these debts fast i can. I wish i could move my debt around to better deals on interest but i think my credit rating has suffered through late payments…
