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Pap/Moozies What have/will you spend Sunday 27th April ??
Morning all and happy sunday :j hope you are all well and are going to be having a relaxing sunday. Remember though if you have to spend, keep it low ~ and as free says 'enjoy the roast' Nsd for me, not going anywhere as I am busy crafting. So another relaxing day here. Take care all :A
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credit card vs bank loan
After using the credit card calculator it was definately time to get my head out of the sand. Lured by 0% this has now ran out. the minimum payments are getting higher and so is the debt. My bank hsbc is usually very understanding as I have no income and am now single. Have applied for a loan instead , waiting to hear. I'm…
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How old are you?
I've been amazed by the wisdom of some of the younger contributors to this board so I have a couple of questions :D . How old are you? What age were you first in debt? I'll start :D . I'm 39. I have had debt of one kind or another since I was 19 :o . Sam, x.
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Help
Hi Everyone Im new to this and not sure Im getting this right yet?? Its so nice that theres lots of people in the same boat, and that we can halp each other,,,, Ive set up a plan with Payplan all going quite well although like someone similar emails seem better as communication can sometimes be a bit sketchy?? I have two…
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Last Nights Drunken Uber Rant...
Thanks to all who listened and replied. Funny how some things suddenly seem extremely trivial in the sober light of day huh? :D Canoeing went really well. Capsized twice and found that lakes taste like duck poo...wonder why that is? Knackered now, can barely type.
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Debt Collectors.
Hi, I owe money on c/cs and loans, which has been passed onto a collection agency. I've just got a letter from them, saying they are holding a package, (parcel/packet/letter) for me. Is this some backhand way of contacting me/calling round in person?
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MoorCr*p - Do I Need To Reply?
Hi I requested my CCA form Moorcr*p, is the reply they sent. Do I need to reply to it, or is one of their "Pre Court" :D bog standard letters
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taking my debt to australia??
hi, I along with my family are thinking of moving to australia and i would like a question answered if possible? can i transfer my credit cards along with their balance (debt) with me or do i have to pay them off before i move? :confused: And before you all start sharpening your knives... no i am not running away from my…
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New here
Hi there - I've been reading through this site for a while and have finally plucked up the courage to register and post. So firstly I just thought I'd say hello. I've been a good 'first poster' and have gone through the pain of all the links you've suggested in the board - so here I am to bare all. I'm not really in that…
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IVA our thoughts
Have lurked here awhile and posted a few times. After a lot of discussion and thought myself and my OH have entered into an IVA for a few reasons wanted the security of no more hassle from creditors we were having threatening communications from RMA who were possibily going to make my OH bankrupt to be able to see an end…
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Debt collection letter - how to proceed?
Hi, Out of the blue I received a nice 'FORMAL DEMAND FOR PAYMENT' from 'Robinson, Way and Company Limited'. Supposedly, I have a debt due to 'Robinsonway (Ex HFC bank)' of £434.32. The problem is that I had a loan with HFC bank (pcworld buy now pay later) in about 1999/2000 and it was payed off of full. So the questions is…
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Writing to the creditors: What do I say or ask for?
Hi All, Any thoughts as to how I should structure a letter to my creditors and what I should ask for? I am thinking of putting in our income and how much there is left for the creditors and how much I am prepared to pay every month. Is this okay?
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MoorCr*P
Deleted, sorry
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Alton Towers tomorrow!!
But instead of paying £68 for the tickets, they were free!! Well....I had to buy a number of copies of the Sun, but they were free all the same! Trouble is....I think it's meant to chuck it down tomorrow and I think I've got a cold coming on :(
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debt repayment proposal
I'm waiting for a self help pack from the national debt advice service as I need to make a proposal to a creditor to repay a secured loan I have, but it's been a week already and I still don't have it. I've never done anything like this and I'm not sure how to do it. It was a flexible business loan from HSBC. £60,000.00…
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Are the government misleading us all about oil prices.....You MUST read this...
I know that this is not quite the right place to post this but it is relevant to debt problems etc. Is the wool being pulled over our eyes ???? We are being told that the high price of oil is becuase of US prices etc and then we see the following press release today that states that: A Major oil pipeline providing 30% of…
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1st credit
Just wondered whether anybody has had any problems with 1st Credit. Their new policy when they purchase a debt. Clear the debt in 84 months or else they will take legal action. I received a statutory demand from 1st credit and it looks like they are actually going to peitition for my bankruptcy. Basically, they work it out…
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help
hope some one can help me out there i been trying to get out of debt for some time now and aways end up using overdraft i have one account that i use for my pay and one account for my husbands witch is a joint account both with diffrent banks both with loans in my name would i be better of having only one account in both…
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claiming back Qestion?
If you are in the peocess of claiming back charges on a current account and the bank as acknowledge the claim but are a wiating for the final outcomes of the court case. is the account therefore in dispute and no further charges should therefore be added. Also in my case I have an agreed overdraft of £5000 and a balance of…
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What's the apr on mhy capital one card?
I can't figure this out! It doesn't give an annual amount on the statement, just the monthly interest rate - presumably to hide the extortionately high interest rate they charge! It says, the interest you're paying this month is based on the following monthly interest rates Cash withdrawal interest - 2.570% Purchase…
