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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…
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Kids responsible for parents debts ?
Hello all, just a quick question before i start my own debt free wannabe diary : Had my lightbulb moment back in March & started serious budgeting beginning of April with an almost immediate effect :D . I'm now considering trying to reclaim the £980.00 :mad: that I've paid for a payment break plan on my barclaycard -…
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Being ignored by Banking Business Manager
Hi All, Hope someone can point me in the right direction, I'm a newbie to this site, which by the way is remarkable, you are all so clued up, who needs a legal team when we've got you guys - anyway, on Feb 1st I contacted my Business Manager at HSBC to let him know that my company was no longer trading, a decision that I…
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SOA Advice - OH leaving
My OH (of 8.5yrs) and I decided to split this weekend. We bought the house in Nov 06, it was a repossession and needed a lot of work doing to it, we made it liveable and moved in June 2007, there’s still a lot of work to do. OH has made it clear he can’t afford the house on his own and is planning to move out this week.…
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dca advice please!!
Can anyone offer advice on this one please? My husband took out a car loan around year late 1990's, this was way before we got together. He has never been very good with money so he is not sure of the details but he thinks it was for around £2000. We had a letter two years ago from a debt collection agency for the £2000…
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CCJ Help
Hope someone can explain in simple terms for me. Here goes!!! Ive set up a DMP with Payplan all but two of my creditors have accepted offer the remaining two Nationwide BS Overdraft and Nationwide CC have both refused and both passed onto collector one is Drydens (anyone heard 0f these) they seem to take no notice of…
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Consolidating my Debts into One??
Hi there was just after a little advice on consolidating your debts into one loan. I currently owe £5000 split over:- Loan - £2200 (42.80/mnth 7 year term) Loan £950 (23.31/mnth 5 year term) Credit Card - £1400 (minimum 31/mnth) Finance- £440 (17/mnth 5 year term) The interest i am paying on just one of the above loans…
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Is home study worthwhile?
I really want to dome some home studying as I would love some more qualifications and believe this to be the most flexible way to study and still continue to work. Plus I will be 29 in Spetember so I may feel a bit old and out of place in the classroom :p I have been having a look around and in an ideal world I would like…
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disgraceful discrimination
Hi everyone. I've been lurking here for years but never posted as I've always found answers I've been looking for through searching previous threads. However, I've made the decision to finally register and make my first post as I couldn't believe what I came across while surfing the net and thought people should be aware…
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Ex owes me Money - Help!
An ex of mine owes me nearly 2,000 euros, I have proof that I loaned this to him, but he wont pay me back or answer my calls. The problem is that he lives in Tenerife so I can't go to a small claims court in England. Does anyone have any advice on how I can go about getting this money back, legally?!! :confused:
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Credit Card Debt?
Hi im new to this site and find very useful information on here but im looking for help if any of you guys can help me out? Im 21 and so is my gf. The Problem - About a year/18 months ago my gf got a credit card (before i was with her) and managed to rake up £2000 in expenses!!!!!, she has since cut up the card and begun…
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Major Problems - what are the chances?
Hey everyone, A while ago, I posted a thread on here regarding bank charges and an unauthorised overdraft my Business Partner had gone into. I thought things were under control, but they really weren't. I was putting a little money in the Business account every month to get the balance down, on the understanding my…
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Full and final settlement - affecting bank charges reclaim?
Hi All, Over the last year my fiance managed to run up £1000 of bank charges on a dormant Natwest account as he forgot that he was still being charged a management fee for the account which took him into the red. Stupid man! Anyway, on Saturday I finally opened his pile of bank statements and realised what happened we rang…
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Being Threatened With County Court
I received a letter this morning from Arc Credit Management regarding a debt I have with Egg for £1021.76, i have being paying this debt to Credit Solutions Limited at £1 a month as agreed for the past year or so. Now this morning i get a letter from Arc telling me i have 10 days to make a substantial payment and then a…
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Hello - New DFW Here
Hello all, A frind recently directed me to MSE and I'm so glad she did. I have now come across these forums and have little idea of where to start. I have been reading lots of other DFW's posts and find them very interesting and motivating. I'm hoping someone could help me through the abbreviations and wording used please!…
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who can negotiate my debts for me?
Hello all you lovely people willing to help. Good to find you here. I have debts with Egg £3880 and Lloyds overdraft £2000. I have been left £2000 by a relative and want to use this to get myself as far out of debt as possible. I have spoken to the CCCS and they recomended I come here and get advice on who you guys…
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first post
I really dont know where to start but I guess im just going to write everything down and get it off my chest. Im 21, married with 1 daughter, I think i got into this mess as I was young and Nhieve and didnt really understand how expensive living alone was. Right here is the list..... My Wage £320 DH's Wage £930 Tax Credits…
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Advice please! Newbie with DCA trouble
Hi everyone, This is my first post so please be gentle with me! I'll explain my problem... My Monument CC debt (almost 7k) was bought by Lowell Portfolio I Ltd on 25/03/08. Monument sent me a letter on 02/04/08 giving me notice of the assignment and sale of the debt to Lowell. Am I still able to request the CCA from Lowell…
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Pregnant - In Debt - Please help!!
Hi. I have just found out I am 4 weeks pregnant. I live at home with my parents. I am engaged and my partner also lives with his parents. We both work full time. But we are in a large amount of debt. What the hell am I going to do? Thanks.
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Pap/Moozies What have/will you spend Monday 28th April ??
Morning all:hello: Should be a NSD here:rolleyes: Hope you all have a melodic Monday :)
