-
Default notice from Smile and Braemar
Hopefully quite a quick one but I'm a bit confused. I wrote to Smile with my budget and proposals for reduced payments (I have a credit card and current account with them) They wrote back flatly refusing and demanding all sorts of things - copies of mortgage statements, payslips etc etc. Oh and they said they were going to…
-
I need help/advice please - debt recovery.....
I wasn't sure where to put this thread - so sorry if it is in the wrong forum but I need help please..:cool::huh: ....can anyone give me any information/guidance etc on Debt recovery companies? Can you use a Debt Recovery Company to pursue a personal debt? (ie. someone personally owes you money - no purchases etc involved)…
-
Can't stop spending...
I need some practical tips because I cannot stop spending money that I don't have. My income has been reduced after having a child and only going back to work part time and I seem to have not grasped the fact that my wages aren't the same... Any one got any bright ideas as to what I can do? I can't go round the shops at…
-
Debt managemnt plan and mortgages
Hi I am really worried about the credit crunch and not been able to get a new mortgage deal will I am still on a DMP with the CCCS. Has any one had this problem!:confused:
-
IVA Free and this is where the trouble starts
Hi Everyone I paid off my IVA early in January 2008. Me and my partner are now on top of all our bills and are both earning very good wages. The problem is we have still got a very low credit rating, I could therefore really do with some help and advice advice on how to improve it so we can move house next year. I have…
-
Im up to my eyes in debt...cannot see a way out!!
I am 31, graduated from a PGCE in secondary history last year. Have £15000.00 in debts not including my horrendous student loans. I cannot find a full time teaching job so am working as a cover assistant for half the salary of a teacher. I have an eight year old daughter and I am on my own so I am restricted with where I…
-
Buried head for too long....
Ok this is scary but I have now got to the stage where Im not sleeping at night, all I see is a huge black hole of debt hanging over my family, and I need some help! I apologise now about the essay Im about to write :confused: I have an amazing husband who earns a decent amount (£35k per annum) and 3 kids under the ago of…
-
i have just opened the best letter.....
ok well maybe not the best letter as that would go something like "dear mrs xxxx, you have won a million pound!" that would be good!!! but anyway this is nearly as good..... from HSBC dear mrs xxxxx our records indicate you are entitled to an interest and ppi rebate. i write to advice you that your current account has been…
-
An outstanding debt - please help!
Some years ago I took out a 3 year interest free deal for a new sofa (credit with First National). The final payment was due on 01/08/07 but First National cancelled the DD and sent me a bill instead on 16/08/07 for £75.12. This bill did not give any timescales for payment and I paid this in full on 19/09/07 but since then…
-
Changing bank accounts
I hope someone can give me some advice on this one: I'm about to send off my forms for a DMP with Pay Plan, and have just opened a new bank account as one of my CCs is with my current bank. Pay goes into the account on the 26th normally (it'll be the 25th this month) and all DDs come out on the 1st of the month. So should…
-
New turn of direction
Morning people. Hope you're all ok? Since I was last one here, a new situation has arose - my dad's accountant had a look at my problems and worked out that it would be far better for me to take out a loan, pay off the credit cards, existing loan etc etc and just have one monthly payment. This way I'm actually saving money…
-
Bank Won't Cancel Standing Order.
I am currently under negotiations for an IVA. However, this has been adjourned now on 2 occasions and my IVA IP is starting to take DD. The problem I have is my current bank (COOP) is one of the creditors and they will not stop taking the DD payments for 2 loans I have with them. Is this proper and correct. Technically…
-
IVA APPROVED. Good or Bad, Let me know?
Well my IVA has been approved, 48k agreed at £300 p/m for 60 month followed by remortgage input of £12500. Equates to £30500 or 43p in the £ to the creditors, the balance of circa 9k to the IP. Total equates to 65p in the £. How do this sound compared to other IVA experiencees. Would love to hear your comments.…
-
Stupid question alert - balance transfers!
Guys, how long does it take for a BT to go from one card to the other? I did a BT from my Skycard to my Egg card 4 days ago, Egg picked it up straight away, but the balance hasn't gone from Sky yet, so I currently have double the debt I started with :eek: How long should I wait before I get worried? Sarah x
-
Pap/Moozies what have/will you spend Friday18th April??
Good Morning :D I've got to go into work today, work as a catering asst at a school, we have to go in for a deep clean of the kitchen & all the tables & chairs:eek: Will get a paper at some stage today for the free DVD & probably an anniversary card for Hubby as have to send BFPO & want it to get to him by our anniversary…
-
Friday 18/04/08 What small dfw things 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…
-
Daily Chat:18/4/08
Good morning! How's everyone today? I should hear about the MFI job today and fingers crossed, should get acknowledgment for the 'Events' job and I'm hoping for another interview for a radio station today. Lots to do around the house, and I need to get my car MOT'd! (found the paperwork yesterday and it expired in Jan!…
-
Making Offers to Creditors: Do I have to declare how much I've got?
Hiya, As a result of getting compensation for a road accident I'll have about 40-45% of what I owe my creditors in 4 weeks or so. I haven't decided yet whether to approach the creditors myself to make full or final settlement offers or use a CAB Debt Adviser. That aside, do I have to declare the total amount I've got and…
-
My BR tale
For all those worried about taking the plunge, heres my story to give you some hope. I was declared BR on Dec 18th 07, I didnt see the judge, it was all done while I waited outside. I had a quick chat with OR that day and then got some forms to sign about a month later. I never had any interview with the OR and today I got…
-
Dont know what to do.
Well I earn about £980 a month of which first off I pay my debt consolidation company and my rent which is £500, then I have direct debits of about £100 everymonth which is £600 already. When I joined the debt company i still had a few more creditors I decided to deal with myself as thought it would be cheaper but i keep…
