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address needed please
hi can one of you lovely people out there give me an address for "reliable collections ", i have sent letter to their po box but they say they not received it, so i need an address that i can send a recorded delivery to. these people are giving me so much hassle even threatening to send someone to my home next week, can…
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Debt free me : )
Well folks after this morning's news http://forums.moneysavingexpert.com/showthread.html?t=756749 I'm finaly debt free for the first time since I was 19. :j:j:j:j:j:j:j:j:j After reading the letter I did a full five minute dance and now I'm telling you guys. It's been about four years since I started the quest for debt…
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694 Credit Score
My Credit score has changed from 654 to 694 and it is listed as Poor. Does anyone know what it needs to be to be considered Good?? Or even Fair???
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Default on Credt Card
Hi Guys, I wanted some advice. I have 2 small loans with cahoot, 2 credit cards and an overdraft on my old student account. On one of my Credut cards I have managed to get a default. Due to some finanical problems in 2005. Can some one advise or refer me to a company who would provide me with a consolidation loan? My total…
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£10 a day challenge query
Hi all Well having sat down with OH last night we need to do something extra to throw at the CC's and so I had a look at the £10 a day challenge thread. However several pages in it appears to be mostly people signing up and I wondered if there was a list of what people do to 'earn' this extra money. If not is there any…
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Daily Chat 17th April
Hello Everybody Today I WILL do housework:D If I am on here before 12 shout at me please
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LLoyds credit cards payments from Current account
Hi , i have not paid my LLoyds minimum payment on credit card yet as i am trying to sort out a DMP. Does anyone have any idea how long after due date before they would take the payment from a LLoyds current acount as i know they are allowes to do this. Thanks
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DMP and Catalogue debts
Hi wondering if anyone can help with this. It may sound a bit daft but when you go onto a DMP and you have had items from catalogue is there anyway they would try to recover the items maybe with a baliff . I am just starting to sort out a DMP so catalogue are unaware of anything at the moment. If they did agree to the DMP…
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Problems with Barclays- advice needed
Hello there, I posted this yeaterday on the current accounts board but noone as yet has been able to help me so thought I would see if anyone on here could I need some advice regarding my Barclays account, basically I was over my overdraft limit by £100 so I wrote to Barclays explaining that I had recently lost my job (one…
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how depressing...
I should be ecstatic at the moment, my wonderful OH of 6 years proposed this weekend, which was amazing and of course I said yes. However, it is likely to take 4-5 years for me to pay off my debts before I can even begin to think about saving anything towards a wedding, and I do have to clear these debts before spending…
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what to do?
i owe nationwide £9888. i defaulted on payments for my loan and am in agreement with them to pay off £100 each month. the problem is its killing my credit rating as it keeps showing i am in arrears. i should be paying £176 per month but could only afford £100. they have just offered me a great deal to clear the debt for…
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Philanthropy got me in debt
Hello fellow debt free wannabes! I would really appreciate any advice you may be able to provide me with my current debt situation. My debts have arisen almost entirely out of my philanthropy. Over the past several years I have made considerable donations to very worthy causes most of which I have first hand experience…
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Can I still call myself debt-free?
....after nearly four years of owing no-one a bean, I am going to pay the car insurance by credit card. The reason for this is, my husband has been offered a nil interest balance transfer for nine months, so we are going to pay it on one card and then transfer it, and then pay it off in nine monthly instalments. That way…
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Dealing with Creditors Problem
hi all , i have been paying back a debt i have for over a year now with a credit agency £20 a month , since i was made unemployed . got a call from them today , telling me that i will now have to pay £160 a month even though when they worked out my incomings and outgoings to be around £300 a month spare. they now want half…
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"Write Off" your debt companies
This company rung me the other day and said that if i had taken out a large secured loan through a broker that they heap on the charges and that they would be able to claim back about £3k to £6k, They then take 10%+vat from the final total as their payment and i get the rest. They also say no win no fee. I know about…
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Sample letters
Can someone please tell me where I can find template letters to write to Credit card and loan companies telling them I cannot afford to pay them and send them token payments thakns
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Deleted
Message deleted as Previous Post already accepted - apologies not sure how to delete this one Zigi
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One Account Bank/Mortgage/savings
Very new DFW. I am in a quandry whether I should try OneAccount RBS bank. Mainly I do have loan debts but also struggling to pay day to day things. So working it out I could remortgage, and thereby "pay off" the worst debts making a better saving percentage wise and having it all come out of one pot so to speak. I just…
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please keep me sane
Hi everyone just popping in to keep my motivation going today i have listed several items on ebay to help towards paying more to my dmp. I'm still waiting to hear from either marlin (the wonderful people who are taking me and hubby to court for ccj and charging order) or the court themselves. I have visted a friend tonight…
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Should i bother going?
Hi DFWannabees.... I have an interview next week with Egg through an agency (if i get it i will be employed by the agency on a long term temp assignment). The only problem is, is I have defaulted on my egg card and loan. They will do a credit check on me won't they? As previous financial organisations have done this before…
