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Old Debt from 1997 approx £4k
Hi My Brother-in-law who is now 28 back in '97 aged 17, somehow managed to take out approx £4k from his current account (dont know how he managed it!). His account was obviously frozen - but weirdly enough he has never been chased about this debt. This only came to light the other day when he was using his mom's debit card…
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Help Needed with CDL
hi all, I took out a career development loan with baclays quite a few years back. Unfortunately while on the MSCE course the institute went bankrupt and closed down. Baclays said they would be requesting payment in 3 months time from that date. i then proceeded to pay off the loan on a monthly basis which i was doing quite…
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Welcome Finance - help!
Hi All, not sure if this is worth posting so don't shout but I'm going to give it a shot.... Before my partner and I met (approx 5 years ago), he bought a car through Welcome Finance; he then split up with his partner at the time and went to live on his own and consequently couldn't afford to keep up the repayments. He…
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Did the unthinkable and consolidated.
Hi Well we did it. We consolidated our debts and I feel like I breath again. I have been worrying about making all the payments for a while now and decided to bite the bullet. We have got 3 months payment free and with the extra money I am saving have opened an ISA. All the credit cards are cut up and the letters to cancel…
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Impending eviction :s
god it took me ages to figure out how to post a new thread! i know there are a couple of other threads with this situation, and i did read some of them...but now i have a headache from staring at a computer since 9am so i started a new one (at the helpful suggestion of mumoftwins) you'll have to excuse me as im not really…
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Mackenzie Hall Harassement
Hello there, I have posted previously regarding these 'people' but just don't know what to do next. In a nutshell: Got a card from MH - rang the number. Gave the reference number and was told it related to a debt last accessed in 1996 (a storecard). I told them I believed this was paid off and would look into it - call…
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Just had my credit file, HELP
Afternoon everyone, i've just recived my credit file from experian and added up everthing i owe and it amounts to £5,000. i've added some numbers up and think i could pay this all off and clear my credit file in four years. i could really do with some advice from people, is it poss, shall i do it on my own, shall i do it…
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Hi all. Questions about my credit and what to do.....
Hi all I don't have that much to clear now as have been paying it off. I've only got £600 left to clear. I've been refused for everything though.... and because of so many late payments i don't even think me and my partner are going to pass checks to rent a house. We badly need to move away from the area we live in. In…
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The Student's live for Free challenge (Take 2)
And so as aonther term apporaches it is time to restart this last term it was completed with relative ease due to a student jury earning me £75 This term will probably be a little more dificult...not least because I currently think I am going to fail and don't particularly want to go back! Will also try to keep this a…
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Starting DMP through CCCS
Hi there Thanks so much for pointing me in the direction of CCCS :j They are great We have decided to go onto interest only mortgage for a while to leave us with a bit of cash to pay off our debts, I spoke to CCCS yesterday and they advised us that even living quite basically within the government guidelines we were in a…
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Ebay - how do I start?
I read so much on here about all of you ebaying this that and the other and making some decent money from it all that I was wondering whether I should try it too? What sort of stuff do I look for - clothes? what sort? I have a couple of 'designer' dresses (from the days when ex paid for everything), but what about everyday…
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Just paid off student loan at last
:j Last payment totalling £419 was just made! Woohoo! Now I've got capital one on my butt for a missed payment which I did actually pay them. Argh! This getting debt free thing is harder than I thought due to the complete incompetence of half of the lenders out there.
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When can I call myself debt free?
OK. So I'm a debt-free wannabe. But when can I call myself debt-free? Is it when the value of my assets exceeds my liabilities? Or when I'm not paying any loans anymore? Or when I don't have any debts (including a mortgage)? I'm either debt-free now (or very close). Or debt-free in 4 or so years (that includes SLC student…
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Triker's 'I can't be bothered to do a diary non diary'!
So does not begin my dedicated diary which I promise most faithfully never to update, not to post regularly and to offer nowt but non advice to anyone because I simply cannot keep anything together. So here's my today story, I have still to appeal the £3,500 tax credits [strike]shiite[/strike] demand from 5 years ago.…
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Advice re Bailiff
Can someone help me with a question about Bailiff's. The people that used to own my house have still not updated details of there car with the DVLA and as a result there penalty notices and TFL Congestion charge notices keep arriving. I have been sending them back 'No longer at the address' for over a year now! I've…
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Huge debt and retired
I've just had my dad sit down with me and ask me for some help with their finances. He basically wanted to know what's involved in bankruptcy as I myself went bankrupt nearly 4 years ago. Anyway - it tranpires that my parents have over £70k of debt between them, and in the last few years they've been paying a small…
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Money Debt & Credit
Hi all, I am in an IVA with Money Debt & Credit, has anyone heard of those and whats their view on them, they just seem very Relaxed when you ring to pay and stuff, even if a few days late
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The cost of living?
Everything is on the up food, fuel debt repayments and so on. I have noticed it more and more I feel that the cost of petrol is my biggest annoyance at the moment as we are a family of 7 we have a fairly thirsty car, alto I mainly use it for the nursery run I am spending £30 a week and being as careful as I can. This is…
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My New Soa!
Hi All I posted a thread a few months ago with my SOA on but my circumstances have now massively changed as we are no longer renting, we now have our own house, so mortgage and bills to boot! Its now even more important for us to cut back because as well as wanting to get rid of our debts, we are also getting married…
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APR question.....
HI I posted my life story this morning asking for help with my debt nightmare on this board. While discussing the options with my hubby I mentioned calling MBNA about getting the massive APR of over 30% (2.5% per month) reduced to a more acceptable level. He said that if he does that it will affect our credit score... is…
