-
Very basic bank account help!
My step-son-to-be is trying to open a new bank account for his wages to go into. He had an account but has been in prison and the account is no longer valid. They won't re-open it. He has hardly any ID. He has a provisional driving licence and letters from the Tax Office. No passport or anything else. All he wants is an…
-
Debt settlement
Loked into debt settlement. Not a loan - i make 1 payment to a company and they pay my creditors. They do a deal so I pay less. They are offering to pay all my debts for 285 a month rather than the 530 i pay. Their fee is included in the 285. Obviously v appealing as each month i am over my overdraft limit. In this way i…
-
what should i do
im new on here i have been looking through posts for a while. can anyone help i have mortgage of £142,867.50 :eek: apr 6.49% fixed until 2012 over 34yrs 4 mths unsecured loan £22,063.14 :eek: apr 6.49% over 34yrs 4mths taken out same time as mortgage. if i leave existing mortgage they re negotiate apr on loan. unsecured…
-
lysasparkles new diary!!!!
Hiya!!!!!!!!!:hello: :hello: :hello: my last diary has been lost somewhere amongst the forums and it was boring so here's a new one!!!!! Thought today was a good day to start my new diary as its my 23rd birthday tomorrow and it means that i'll be able to measure how much i get done before my 24th...lol:rotfl: well.....my…
-
SOA help please...
hi, i have been working through my debts slowly but surely and have paid off 3 CC's and a loan early as it was costing me LOADS in interest, and am now left with only my overdraft which stands at -£1050... i guess i'm just looking for a bit of a kick to finally get this paid off. i have to have it down beneath the £500…
-
Cca Documents Received - Are They Ok - What Next
Good Evening all, I sent a letter to NatWest asking for copys of a signed agreement and copy of default notice and i have received the following documents back and i just need to know what to do next? http://i59.photobucket.com/albums/g2...s/natwest1.jpg http://i59.photobucket.com/albums/g2...is/nat1002.jpg…
-
We're in!! Just Bankruptcy to deal with!
Hi all, The old thread was getting a bit long so I thought I would start afresh. Well, for those of you that don't know we moved in properly to our new home on Saturday. Still a lot of unpacking to do but I'm getting there. We had D & T, I-T and Ampersand to share our first Sunday roast yesterday and it was lovely to see…
-
Financial Problems
I'm writing this in the hope that someone might have some cracking advice and maybe put a smile on my face. I didn't know where else to put it! I'm in my first year at uni and having quite big (for me) financial problems! Let me show you why. Loans/Grants Income: £5620. (October 2007 - September 2008) Bursary: £1000. Uni…
-
Settlement figures
Hi. I am new to the boards, and this is my first (probably of many!) question... When a creditor mentions in a letter that you may be entitled to a 30% discount for settlement, is this just a way of getting you to call, or can they really give you a discount? I came to an agreement with them a while back, and they…
-
Nationwide - phonecall?
Nationwide are taking hubby to court for ccj/co at the ending of May.Why has hubby just received a voicemail,to say contact Nationwide urgently? what's the point, they have never agreed with the DMP.We have no money for F&F, any ideas what they want. CQ
-
Am worried sick!!
Im really hoping someone can try and help me. Im in debt and have buried my head in the sand for too long but today after work I decided to go through the mountain of letters that remained unopened as was too scared to open them. I opened a letter from MBNA and thought I was gonna be sick when I read it, it was about a…
-
which debt to clear?
HI, I currently have the following debts: egg loan £10,773.00 320 pcm 7% a&L loan £24000 483 pcm 12.9% MS c card £5930 120 pcm 23.9% egg card £4,940.00 114 pcm 16.9% I have £10,000 coming to me from some shares, and am looking for the most logical way to use this money. I am keen to clear as much as possible, and also to…
-
thank you for giving me hope
I had my lightbulb moment here the end of January. Frankly we were sinking fast and you lot have really helped me take my head out of the sand and tackle the situation. Ok, I have a long road to go BUT at least I know the way!!!!!! Today I have just paid off a credit card. Thankyou, I really could not have done it without…
-
Defaults
Hi all, I have just checked my credit report on annualcreditreport and it says that I have 3 defaults. 2 of them are the same debt but different agencies. Can I correct this? On my other default it has my wrong DOB, can I use this to my advantage somehow? Thanks!
-
TSC Management & Virgin Media
There was a thread about these people previously. I have now sent them THREE letters and a request for a copy of the original signed agreement with the cheque advised. All I have recieved is threatening letters. The last letter I sent with the cheque was a month ago. They cashed the £1 cheque but I have not recieved…
-
debt keeps growing due to weak pound=(
Hi, I got a loan from the Norwegian State Educational Loan Fund to study at Warwick University, as an overseas student. When I got my loan, the currency was nearly 14 kroner to a pound. IE I had to pay 14 NOK for every pound I got. Now I have to start paying back my loan, but the pound is so weak I only get 9.8 NOK for a…
-
How small an offer will creditors accept in full and final settlements?
Hello! I've written to all my creditors offering them a full and final settlement to pay everything off. When looking on this forum previously, I saw that lots of people said they offered as little as 25% to begin with & then (after much haggling!), have only had to repay 40-50% of the total amount. So I offered 25% (with…
-
Council Tax New Payment Date/Arrears
Glasgow Council new payment date is the 1st. of the month. I paid on the 25th. March 2008 Received a reminder on 13th.April not paid Total to be paid by 27th.April The 25th. March internet payment had been paid towards an old bill. If I had not queried the total would have been due. Do not disregard this reminder.
-
CCJ/Charging Order and Interest
I am in a DMP with CCS but N Rock are not interested and tell me that they will issue a CCJ to request a forthwith payment and secure the debt by way of charging order. I have just had a very frustrating conversation with a lady from N R (who had received a letter from me indicating our disappointment that they are not…
-
What's the best way to clear my overdraft?
Hi all, bit of a newbie here but I was hoping for a little bit of advise. I currently have a £1500 overdraft of which I 've constantly been in for the past 12 months with HSBC. What's the best and most cost effective way of clearing this debt? I have a big mortgage (£125k) but no credit card debt or loans. I can't really…
