-
Newbie Will Welsome Any And All Help And Advice Thanks
Wow i dont really know where to start but basically i need some help and advice. Im in a real financial mess and i dont know where to start with sorting it out! Basically ive got about £20000 of credit card, catalogue, loan and store card debts which ive had and kept adding to for about 12 years. I did start paying them…
-
Callcredit scam?
A month ago I looked into joining callcredit. It was advertised as three months free trial, upon completing all the forms etc it stated that the first three months would be charged to my card instantly. At the time I really needed to check out my credit (victim of fraud) so I continued £12 was then debited fron my account.…
-
Any advice please?
Hi everyone I've been a total idiot with my finances for ages now and am waking up to the fact that I just have to sort them out. Ive been ignoring the problem (phone calls from banks, letters etc) for too long and using other accounts etc. From a guess I would sumarise things as Barclays overdraft of about 3k, Barclays…
-
credt report
Hi can any one help me please, recently obtained my credit report from callcredit, But realised i have entered the wrong details for my email account also saying my password and login details are not registered! have just checked my bank account and the payment has been made to the company, tried emailing them but keep…
-
GE Capital Woodchester
Has anyone had a direct loan through GE Capital Woodchester circa 2003, If so, what is the wording by 'document type' on your copy of the credit agreement. I have had 2 loans through them the first was a resticted loan (towards a car) and the secound a direct loan. Both CCA's say 'Document Type: Comsumer Loan'. If the…
-
Credit report is not listing my debts!! help
Hiya I have just registered to see my credit report and it has concerned me but not for the reasons i was expecting. I have debts with about 8 different creditors, from 2 years ago. The ones I am paying off, seem to be listed there, but not things like my overdraft (although im within my limit) and more worringly two other…
-
DMP - The cheek of Churchwood
I've just had the most bizarre phonecall with Churchwood Financial who manage my DMP.......for a fee!!! I called them to tell them that I will be moving my DMP to one of the free charities, namely Payplan, and asked what they need from me so I can get all the info out of them. Straight forward enough, or so I thought! They…
-
Any advice would be helpful
Hi Folks, I have been a follower of this site for awhile now. However, it was only recently that I decided that I was in serious trouble and only by acting now could I stop my debts spiraling out of control. :( My current debt is £18,429.51 :mad: This consists of a Virgin CC = £6,414.05, a barclaycard = £409.46, a HSBC…
-
Ways to make extra cash!
I've found a load of good ideas on this forum that I have started using, and a few of my own. I thought it would be useful if we could collate them for anyone that is interested! I'm now on my second month as an Avon lady:p . A fair amount of work for a little gain, but I get to meet new people in the village (we moved in…
-
HMRC Visited my house today to levy distraint on goods, HELP!!!
If anyone hasn't seen my previous posts I'll do a quick recap: Booming business, went belly up. In the habit of not putting money aside for VAT due to huge cashflow. = VAT debt £43k (This will be written off when HMRC liquidate the business) £10k Business bank account o/d, c/c, this is backed up by a personal guarantee…
-
Help!
I've !!!!ed up quite badly and spent the money that was in our joint account to pay the bills. I'm behind a mortgage payment and a council tax payment amongst others, including the utilities and I can't see how I am going to make it up in time, plus pay all the charges that bank are whacking on. I'm going to sit down and…
-
the Baliffs are Coming.
due to a combination of bad luck (my hubby being out of work a few years back and us not completely catching up on things) and bad planning we had a liability order for some old council tax money (clsoe to £2000). Though we were paying it back -bit by bit around £20 a month. The council felt this was not enough and sent…
-
offer to clear debt
have 1800 owing to halifax and have an offer to pay back 1100 discount by june 7 th is worth paying my mum will offer the cash as i have 500 saved for emegencies advice please thank you
-
Credit Card problems
Hi I'm really struggling to get a credit card, which I desperately want in order to build up my credit score. However, due to past history even my own bank (RBS) have turned me down (I've appealed this but no joy). The only people I'm getting anywhere with are Capital One, but they now want me to send my passport to them…
-
Any fresh ideas?
I have just fallen off the rope that I have been clinging to for the past 3 years. Would really appreciate 'a fresh set of eyes'. We got paid last Friday and all of our money is gone - my £80 'spending money' has had to be transferred to go towards mortgage payments. Now desperately ebaying but am desperately running out…
-
Debt resurfaced, how do I deal with it?
I have a query relating to a debt and I am at a loss as to what I should be doing now. I took out a loan in 2001 with the Bank of Scotland, it was a Term Loan for £7000.00 I think. I was employed by The Bank of Scotland at the time and left about one year later. I defaulted on my payments when I left and the last…
-
admin order help please
I have had an admin order for the last 2 years, paying £10 a month to 4 companies i owe to which is no more than £2500 in total. Can anyone tell me if my husband getting a job,will his pay affect how much i pay to the court each month, also any other monies we come into through an inheritance, which is no more than £10k…
-
CCJ Help please
Hi all, I could really do with some help! I have had a CCJ for about a year now, which I pay £5 per month, and I have received this letter from the Howard Cohen Solicitors this morning. We refer to the Judgement Order in this matter which we have scheduled for review. You are currently required to pay £5 every month. This…
-
Help!! Being chased for money we dont owe.
All, A number of months ago, we started receiving letters from a collection agency trying to recover a £450 debt. The letter was actually addressed to my wife, and I know for a fact so does not owe this money as my wife allows me to deal with all the household finances and has no credit facilities whatsoever. Certainly for…
-
hello! Advice/recommendations needed...
well im in a bit of a rut,need some advice,what to do,who to talk to etc....i'll try an keep it brief.. right here goes... im in alot of debt so i went with the CCCS(went with them via sound advice from here),anyway been with them about 2 years,owed £35k,now down to £29k,so it is getting there,but here comes the problem,i…
