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Any ideas?
Hiya all, sorry for asking for assistance but i'm completely bamboozled... Ok, so in preparation for tomorrows financial review i've had a copy of my credit report and right now it doesn't look for pleasant reading. My large loan shown in my sig is currently with B Carter (fredriksen international) and I have made the…
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A wee bit cathartic?
A wee bit cathartic? Part 1 Hello all I have been reading and doing so well with taking ideas to get rid of the debt that I have decided that as I reach the end 1 and a half years or two year to clear the final amounts. I will be brief to start with. I am doing this cause well for me and I hope that some one anyone! Will…
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Bit of help needed please r.e. debt and court action
Ok, I'm wondering if someone can help me with this. I have posted before about this but could really use some help again I've got an outstanding debt with Lloyds TSB for £990.83. It used to be an overdraft that for various(legit) reasons, I didnt pay at the time, and in January last year, Lloyds called in the overdraft.…
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My Aunt is in Debt
Hi All, My aunt is in severe debt and her house is on the market, she is asking us for money to help her clear her debt, now I don't want to keep throwing money after her as it is a drop in the ocean compared to what she owes. I just wanted to know what agencies/debt management companies she should contact to get herself…
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Frederickson International-CCA advice please!
I have been paying £200 per month for the last 4-ish years to Frederickson Int'l who are the DCA for an old RBS (now MINT) CC I had.I have almost paid off the full amount to them.But.... can I request a CCA from them even though I made this repayment agreement verbally? Has anyone here claimed money already paid to dca's…
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What's Next?
Hi Everyone, I won't bore you all with the details again, Just wanted to see if what I'd done was right.....I hope so. Have been paying Mackenzie Hall about £75 a month for the last six months which I have subsequently (thanks to MSE) found out is statute barred. I sent them the following: Mackenzie Hall 30 The Foregate…
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how do I convert apr per month to per year
how do I conver apr per month to per year ta in advance
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May Make £10 extra a day!!!!!
The aim of this challenge is to make £10 extra a day everyday for the month. A lot of people think this is impossible but this is some peoples ninth month and it can and has been done. You can make the money through mystery shopping, surveys, cashback sites, saving money on items you would have brought anyway, ebay,…
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Convert apr month to year ?
How do I convert apr month to year ? the month apr is 0.632% per month whats a year ? thanks in advance
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time barred?? - help needed
Over the last 6 years I've worked hard at paying off my debts and recently my last default came off my credit record. I've now managed to get a credit card - for emergencies only! - and a new mobile phone contract. But today I received a letter from a DCA saying a debt for an orange phone had been passed to them. They're…
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Baliff advice needed
Hello all, Looking for a bit of help for a mate here. He is paying his council tax on monthly direct debits, but has arrears. He advised the council that he needed to reduce the payments and structure repayments due to financial difficulty, but they have ignored him and passed the debt to a DCA. The DCA, certified baliffs…
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Being Chased for a 'Free' Gym Membership!!!
I have recently received a demand by a collection agency for the sum of £440. this was for a supposed Gym membership which was billed as a special offer free membership however, a monthly amount was required for the 'upkeep' of the Gym. having moved home the nearest gym was miles away (far too far, for any reasonable…
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My situation is getting desperate - can anyone help?
I think I am panicking and not thinking straight but I am in a right state here. I have been an observer on this site for a long time and have taken on board some of the suggestions regarding my debt. However I can't have done very well as I seem to be in a worse situation than I was when I started trying to manage it. I…
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Debt Management Plan
Hi All I hope this is the right place to ask this question. I am struggling to delay going on to a debt management plan but eventually I will have to. Can someone please tell me how that will show on my credit file? I'm trying to hang on because my house is for sale and when I sell I am going to go into rented (scarey) and…
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I'm NEW! How do I stop interest charges????
I'm trying really hard to pay off my debts and I've managed to stop most of my creditors charging me interest. But the worse one of all, HSBC, is not stopping and they are charging me a ridiculous amount. I'm making my payments but It's hardly making a difference on my balance because the interest is so high. I don't know…
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Credit card Cheques
Hello, I've just received some of the above telling me that if I use them I have 0% interest on the amount I use them for until Feb 09. Knowing the thieves that they are, does this sound a good deal? Thanks
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Problem With Settlement Offers?
I was phoning some DCA's today, some will accept my settlement offer of 50p per pound, but say there is no guarantee that the original creditor wont pass it on to another DCA for the remainder, Then there problem with some creditors wont accept any reduced offer. Any advice?
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please help! what should I say to ask for my charges to be waived?
hi there... opinions if you could please BACKGROUND I am usually really good with my money and haven't had any charges for well over a year now. I have tried twice in the past to be granted with a small overdraft buffer (of say, £50) but they have always refused. THE SITUATION: I get paid weekly and a few weeks back, my…
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what to do - help needed
Our tax credits have gone down by £30 a week. I have just started a new job and we are in a mess. Dh doesn't see it, his motto is "we'll be OK", but I know we won't. He pays for all the bills, mortgage, etc, so his contribution is a real no brainer. Here is the downfall. 141.33 x 4 = 565.32 - my wage 99.99 x 4 = 399.96 -…
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Please help.
Please help. I'm unsure if I should sign up for a DMP, or carry on as I am in the hope that things will get better. I'm self-employed, owe approx. £60k, and am in a constant state of panic that I won't earn enough per week to pay all my monthly minimum payments. I don't always make it and either skip a payment or borrow…
