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bankrupt
hi this is my first post and need help.i have been bankrupt since 20/jan/2008 .the o/r has sent letters to all my debters i have just returned my income and outgoings to o/r..and was -£28 .how long is the usual bankrupty? and will i have to send another batch of wage slips every so often if so how often :confused: please…
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Getting Debt free,my story hope it helps!
Hi i'm new here, (i posted somewhere else too by accident) :eek: sorry:D I wanted to post something that someone might find useful or if there are people like me here you may find a bit of light at the end of the tunnel! :D In 2006 my husband,myself and 2 young children lost our house due to redundancy, we couldn't keep up…
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Mortgage Worries
Hi all, I don't know if anyone saw earlier this week, but the BBC did a report on mortgage arrears and repossessions. You can see the clip here if anyone's interested. ITV have also written an article here based on a visit to our offices from last week, which is to be featured on the news today at 18:30 We've written an…
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NCO won't leave me alone-HELP!
Hi This debt collection agency have been on my case since 2006 for a debt I know nothing about. After several phone calls and letters I came onto this forum in 2007 and found out about the CCA template letters. I sent both of these within the time limits and they didn't provide any information so as at July 2007 the debt…
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Apex Credit/BCW Group Need advice?
Ok I sent letter off to them offering a F&F settlement and they have just called and ive haggled them down to accepting a 40% F&F figure. What I have asked for is written confirmation of this from her (she is emailing it). I also however asked that she informs credit reference agencies that debt is fully satisfied. She…
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How do I start?
Hi I am a bit embarrassed for a first post on here. I haven't had a proper lightbulb moment and I am not up to posting a SOA. :o I am ashamed that things are in a mess. I am not in a desperate position - I have read some of these threads and I really admire the people on here that are tackling huge debts with…
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help
my husband has a car on finance in his name but my dad drives it and pays for it, thats how its always been, my dad no longer wants the car and we cannot afford it what can i do as its breaking up the family, thankyou
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bankrupt
hi this is my first post and need some answers please.i have been bankrupt since 20/jan/2008. all my letters have been sent to my debters informing them of my bankrupty and just sent my forms back to o/r regarding income and outgoings i was -£28 income left.how long will i be bankrupt (ie)what is the normal lenght of…
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Credit card company takes money from my current account.
I have a bank of scotland current account and a bank of scotland credit card. I have been in dispute with the bank of scotland credit card people about charges, more specifically i want mine back, ive refused to pay them any more money until they give me them back, then i will settle the amount in full and close the…
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activ kapital and moorcroft debt recovery
Hi, i am new to this and have read a few of the posts relating to activ capital and other debt buying agencies. can anyone tell me if i have been paying off debts through the above wo companies for three years now, is it too late to ask for proof from them. i have had to cancel my direct debits to them as something wierd…
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Debt
Hi I Am In Real Trouble And Need Advice I Currently Owe £70000 On Credit Cards Loans And Overdrafts With My Partner We Have 4 Kids And Want To Begin A Debt Management Plan As I Dont Want To Go Bankrupt. The Trouble Is We Have About £200 Spare Each Month After Our Expenses And Mortgage But The Debt Management Companys…
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Default
Hi I’m new to the forum and I've got a question regarding defaults. I had a default put on my credit report in August 2002, they default was only for approx £500 and has been settled for years. At the moment for credit score is classed as poor, however with my 6 years nearly up will my credit score improve once the default…
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Wescot Credit Services mystery
I have had another letter (final notice) from Wescot trying to get me to pay off £80 for a debt that was included in my bankrupcy in 2004 that I informed them about then. They assured me that i would not hear any more from them again. They have recently sent me 2 letters about that debt supposed to be sorted out in 2004…
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PaP/Moozie's What will you spend/have you spent today Wednesday 16th April thread
Good Afternoon everybody :hello: :hello: :hello: I have searched for 'today's thread' but couldn't find it, so as it's lunchtime, when we're all tempted to spend, I thought I'd better start it - if only to remind me to 'Keep it Low'. Anyway, you all know the score - the thread is open to everybody old or new - it's a fun…
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can't get egg to give me exact debt amount ggggrrrrr!
hi all as posted yesturday i have had a ccj form from drydens on behalf of egg for a debt we have with them. need to get the forms filled in but egg wont play ball and give the exact debt sum without any ppi, they say drydens need to give it to me and drydens say egg! spoke to cccs an they say that the debt is still eggs…
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Wednesday 16/04/08 What small dfw things have you done today???
Sorry couldn't see this so thought I'd start it. Was going out at lunch to get some bits but now I have to hang on for a phone call int he next 90 mins so I don't get my lunch break :mad: £8 on a weekly Park n Ride ticket (the last one I'll be paying for :j) Kepp it low!
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Challenging Myself.....
Hi Have posted SOA in past, and now at point where I'm happy with outcomings/incomings etc and need to start being really organised to get savings built up and debts busted. My plan at present is to start getting savings up and running, and using them as needed for expenses as mentioned above. Ive used spending diary to…
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Additional Income
Hi All I know there have been a few threads about second jobs and stuff like that for people trying to get out of debt I am due to finish a course soon which has been taking up a lot of my free time, time I could use potentially to earn some cash. I don't really fancy bar work or anything if I'm honest but I am an…
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Oi IA!
Hi hun Sorry, not been around for a while and haven't caught up with your diaries... How are you getting on with your DF journey and when's your DFD?
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I Did it! I'M DEBT FREE!!!!
Hi folks I've not been on for a while, well rarely since before Christmas, as I've been busy paying off debt and planning a wedding. Anyhoo, last week I paid off my last remaining debt (except for the Mortgage of course) and I'm now debt free. I'm soooo happy but also feel really weird. It's like nothing has changed yet.…
