Debt-free wannabe

Discussion List

• DMP or IVA - what's the difference?

  We have debts of around £12,500 (unsecured) and need to find a way of clearing these. I have read Martin's article on IVAs but I'm not sure if we would qualify. Our situation is this: Selling our house to pay off mortgage and secured debt (settlement figures are £198,000 and £57,000 repectively) so we will be renting for…

• Test

  Just testing

• advice needed please!

  i posted my SOA a while ago and got some great advice. i've reduced my outgoings as much as poss. we're paying £450 a month in debt repayments (ouch) but we've transferred these debts to 0% cards and have almost managed to stop using credit cards altogether. so i think we can limp on like this without going the more…

• When can I stop being nice to banks

  Dear All, After a very frustrating weeks dealing with my banks over repaying my debt, (I am behind on a couple of accounts) I am getting so frustrated with them either a) not taking me seriously. b) mis qutoing me later by saying "you said you would pay x by y date",. c) not taking adequates / anynotes notes when I speak…

• What is a true cca, help needed Please

  Q.Sent cca letter to DCA = 12+2+30, recieved reply on the 30th day Their reply was , Statement(s) of Account, Notice of Assignment, Letter of Introduction, Q is this A true cca for a credit card :confused: ?? Q.What does a cca agreement look like and would it have to be signed by both sides ? Q. And if a cca is not the…

• Nemo Finance - URGENT help needed pls!!

  :confused: Hi all, I'm hoping that someone on here can help us. Last August my partner & I took out a £50,000 secured loan with Nemo Finance although the origional application was with Ocean Finance.The loan was over 25 years & was a last resort.We are now having increasing difficulty in making repayments as the payments…

• Help! Claim has been struck - house already re-possessed....advice please

  Hi All Really hope someone here can help my friend who has asked me to post on her behalf. At the beginning of this year, owing to default on mortgage, she was repossessed by the mortgage company. She had, in addition, a second charge on the property from a loan company. Last month she received (courtesy of Royal Mail…

• Littlewoods Debt/ndr

  I have nt had any goods from Littlewoods for 4 years and balance woz 80 quid but i still owe them 100 quid because i pay some off then nothing for months i prob paid about 300 quid in late payments up to today. Now its been passed to NDR for the second time i can't remember signing a credit agreement because it woz about…

• Rma - Full And Final Settlement

  I appreciate each DMP is different but I currently owe £795 to RMA for my Amex card. I have numerous other debts and I am trying to clear one by one. This is the lowest. Has anyone had dealings with RMA and successfully arranged a reasonable settlement figure. I Was thinking about 350 is that to low or high.:confused: they…

• Credit Reference Agencies

  Hi, If a person changes his or her name the bank notifies the credit Reference Agencies. Do the credit reference agencies then notify the finance people as a matter of course or is the change of name just filed away until a credit report on this person is asked for?

• Credit Reference Agencies

  Hi, If a person changes his/her name by deed poll I assume the banks contact the credit reference agencies with the new details. Do the credit reference agencies notify lenders of this name change automatically or are the changes filed away until details of this person are asked for? In other words, would a lender know a…

• Shall I Get Another Loan To Combine Debt????

  :confused: Hi, Its been a while since I have visited this site. last time was my victory of reclaiming my 2000 bank charges which I should have used to pay off my debts but I spent it instead and now have lots a debt - AGAIN !! I have been offered a loan from bank to pull all debts together, I have a loan at the moment…

• Mistaken Identity on CCJ

  Lowell DCA keep writing to a miss k barker at my address demanding money. My name is miss k barber. I have written to them pointing out my name and if this money is owed by me that they provide proof but they have never responded, they just keep sending increasingly threatening letters to miss barker. I have been stuffing…

• 0% Card Running Out Soon! Advice needed!

  Help please...... I currently have £860 in savings and was hoping to use this to get my loan paid off early but my credit card is currently at £1480 and the 0% runs out after my next statement. I really do not want to apply for another 0% card as i know i will just run it up again, i only got this one because of the…

• Gas/Elec/Phone/Broadband package - how to drive down cost?

  Hello all I have just spent half the afternoon (and have ended up with a headache!) trying to see if I can cut my gas/elec/phone/broadband costs. (have already worked out that I am paying way over the odds for what I watch on Sky so am going to change that from £45 a month to £19 a month :T so that will be an immediate £26…

• going back to mams

  I think i'm gonna need a bit of help and a few hugs I realised today that i cannot afford to keep my flat thought i'd fixed my washer on the cheap (first time i've used ebay) guess thats whats tipped me oer the edge How do you go about leaving somewhere, all the bills and stuff thanks for any help

• Looking for advice on loan decision

  Hi All, I have been lurking in the background, reading up on DFW posts for several months, and have not got to the point of making a change in my life. I am about to try and consolidate debts that I have, and select a loan to start paying it back, and getting myself debt free. I think that the many posts and stories I have…

• Help with credit card debts pls

  Hi. I need to pay off £30k and can afford the minimum repayments on the credit cards but am swamped by interest rates. I very much doubt I would get another card due to my debts (although I don't miss payments etc), and the fact that part of my income is unproven as I get a salary and earn rest from running a small…

• Help---need Tesco Code For Delivery Please!!!!

  HiJust wondered if anyone had got a code for free delivery for Tesco???I am just about to do an online shop and thought that i may be lucky enough and get the delivery charge free!!!!Thanks to anyone that can help xxxx

• Debt help please

  Bank charges are putting me in debt, help This has been dragging on for months now, everytime i get my "salary" from work my bank charges are just taking a giant handfuill from it since my Direct debits are all going out on differant times and i just cant seem to sort it ot!! im going overdrawn and every time i do the…