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Quite pleased with myself!! Quite long!
I read someones post about experian, who i'm registered with, stating that things just arent showing. So i decided to do checkmyfile where i was mortified to find one default and 1 late payment. The default was through no fault of my own, as it was with egg cards. I settled the account in full about 2 years ago, but…
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studio cards accepted £1 month....
to recap i owe £770 to studio but they never produced a signed cca - most of the money owed is charges as they take back about £12 for every £15 for interest and you only pay £3 off..... now - after all the letters going back/forwards they say they will accept £1 a month every month to be in their hand by 8th feb (only got…
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Party Planner-Advise please
Hi All, I was looking for some advice from people that may do or have worked as a party planner for the Body shop in the past. I have been offered a starter kit to start doing the parties but haven't yet purchased anything. I was thinking about doing 1 per month alternating them between friends and neighhbours and work…
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Ok here goes.....please help.
This may not be lots compared to some, but I am finding it a struggle and am constantly seeing what assets I have to sell to get some money to covers some bill or another and am quickly running out of options. Income: currently on SMP of £112 a week will stop next monday as work have screwed me over and tied me into 3…
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Business trips on DMP,, am having a nightmare
Hi all Am having a nightmare. For the first time I have been asked to go on two trips for work this month, the first to South Africa and the second to Paris… its really brilliant and if all goes well it should mean a step up for me in the future,,, however I am having a real nightmare as whilst my institution will pay for…
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Present ideas for friend in debt...
Hello, I have a friend and his birthday is coming up soon. However he's in quite a lot of debt and it's causing him to worry. While I can't afford to pay off his debts I was wondering if there was something I could get for his birthday that would help the situation... anyone have any good ideas? Thanks
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Please help, feeling naive - questions/letters requesting a CCA
I have 2 unsecured debts of which I want to request a copy of my credit agreements. The first was origionally with The Associates, Credit Card but has finally been sold on to McKenzie Hall debt collecters. They are chasing £3050.00 The second was a Lloyds TSB, Credit card but has finally been sold on to 1st Credit. They…
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Balance transfer or add on to my existing loan?
Hi - Please help!!! I hate dishing out money to different places as I can't always keep track of it. I have a bit of a dilemma. My husband and I have 2 loans - 1 wit approx £15,000 and one with approx £4,000. The problem is that we have accrued credit card debts of roughly £8,000 between us. We have applied for another…
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HSBC loan tied into full term - SOA added
Hi, I currently have a loan with HSBC that has £8087.04 outstanding which I'm paying off at approx £225 a month and have just under 3 years left. My problem is that this loan alongside my mortgage and bills is bringing me just over the breadline every month and I can see myself slowly getting into more debt again. What I'd…
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Can anyone please give me some advice re BT?
As some may remember we moved house last September---we moved to a new property and the only option for the phone/internet was BT!!!!!We had to pay a charge to get it connected(not sure now how much but very expensive---think it was over £100!!!). We then tried to set up a direct debit for monthly paymentsI didnt want to…
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Can ANYONE help me? I am losing it here.
Hi I have just registered for this forum today. I have stumbled across it a few times in the past but today I feel like I really need help. I have an outstanding loan (inluding interest approx £24k owed) and my overdraft is currently at -£6500. We bought a new house 6 months ago and with the profit from our old house we…
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Statute Barred - 6 years??
Just wondered if anyone can give me some advice on this. Further to my post yesterday, I have 2 unsecured debts that I am being chased for. I lost contact with these companies as they sold the debts on etc but they now they have found me and are chasing me constantly (wont accept my offers, threatening etc.) I think there…
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Daily chat Thread 6th Feb
Morning all.... how's everyone doing today? I'm knackered already as started the day with 50 sit ups and 50 leg extensions plus about 50 squats... I ache already! Then again I did miss my body tone last night because of a wardrobe malfunction so had to make it up somehow! lol!
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Please Delete Duplicate Post
Good Morning everyone Today I expect to just buy some milk & bread out of the food budget, so another NSD for me technically!! :D Good luck keeping it low:T
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Wednesday 6/02/08 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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Pap & Moozies what have/will you spend Weds 6th February???
Good Morning all:D Today will be bad - I am meeting a friend for shopping and lunch - hopefully we will find a cheap place to eat. Hope everyone will do better than me - good luck.
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The Difference between Experian and Equifax?
Hi Guys - I am looking to get my credit report as I have entered into an agreement to do a plumbing course (which is o% interest free) and I want to check this out. I have already had my free trial with experian a couple of years ago and they will not let me have another one (meanies!!) so I will now have to pay for a…
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Debt Avoidance
I read somewhere that if you can duck and dive and avoid paying or communicating with your creditor for 6 years, on production of a certain layout letter, you can legally get your debt wiped off. Im sure I read it within this forum, but cant find it. Anyone know of this? Is it true?
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CCA Request: Need Expert to answer important questions before kicking off.
I have a number of cards which have large balances 10k+ and some smaller ones, due to difficult personal circumstances I ceased paying them all about 5 months ago ( I had been perfect before that). Thanks to the unnecessary harassment I've received and the threats, I now feel I am at war with them. I wish to request CCAs…
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My LBM...here goes!
Hi all :o , new to the boards although been lurking for somewhile trying to grasp what to do. So any advice is appreciated. I have a few questions, after completing a debt remedy with CCCS they recommended I do an IVA or DMP. Now could anyone answer: 1) With an IVA does the figure you pay each month every change ie if OH…
