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Cant keep up my reduced payments to cc.Help Help Help
I have posted a couple of times before re trying to deal with my debts and have received some really helpful advice. I have for the last 9 months been arranging and doing my own debt management plan with various cc companies and have just about managed to keep to it. However life took a bad turn around January as after…
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Wescot pursuing settled debt
My OH has recently got his credit file and there are 2 defaults for the same debt. It was in relation to a vodafone account (default 1) and was passed to Fredrickson International. This debt was paid by DD to Fredrickson and settled in Dec 2006. Some weeks ago he gets his 1st letter from Wescot demanding payment(default…
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Wescot pursuing settled debt
My OH has recently got his credit file and there are 2 defaults for the same debt. It was in relation to a vodafone account (default 1) and was passed to Fredrickson International. This debt was paid by DD to Fredrickson and settled in Dec 2006. Some weeks ago he gets his 1st letter from Wescot demanding payment(default…
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I'll start here first..........
I've always had a higher amount of debt than my peers, however, I recently got very much in control and was proud to do so, even consolidating some of my personal debt to a shorter period so that I could pay it off more quickly. However,........I run my own business and last year, we incurred two high value bad debts which…
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I'll start here first..........
I've always had a higher amount of debt than my peers, however, I recently got very much in control and was proud to do so, even consolidating some of my personal debt to a shorter period so that I could pay it off more quickly. However,........I run my own business and last year, we incurred two high value bad debts which…
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aggghhh only 1 mth into dmp with cccs and its all going wrong...help....
hi all only started my dmp with cccs on the 1st may but it has already started to go wrong. dh got a really awful wage this month £1300 rather than the £1500- £1700 he normally gets due to bank holidays :eek: agghh. cccs budget he gets £1800 as he gets paid 4 weekly ( really hate them doing this as it confuses my budget as…
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Inspiration needed please!
Hi there, I'm a bridesmaid for my sister-in-law-to-be and it's her hen do on Friday ... we're going to a Spa Hotel in Chelsea and going for a picnic on Saturday - can't wait! Anyway, one of the things we're doing is buying the bride-to-be gifts of up to £10 ... I want to get her something really thoughtful and tasteful (no…
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New Phishing eBay e-Mail
Hi Everyone, This might be the wrong forum for this but I know that many of us on here are selling on eBay so thought it worth posting up. If the moderators feel it would be better placed elsewhere then so be it. I've just received a fairly sophisticated e-mail phishing for my eBay account details. It goes as follows: The…
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Question re double entry on credit file
Hi, I recently obtained my experian credit file and a debt that I had with one company that was later sold to another for debt collection (I'm paying reduced monthly amounts) is showing as outstanding with both the original and the new company. Is this right? If not, how do I get it amended? Many thanks T
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What's the best option?
Just read the scary article on IVA's, have an interview (at my house!!) on Thursday but am not sure this is the way for us to go anymore!! Even the impartial places seem to be suggesting it. We have unseccured debts to lots of different sources (listed below) and are struggling to meet the minimum payments and keep food on…
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Steps forward - always followed by steps back
I have been following advice on here for over 1 year now, not posting often but always reading. I have been very grateful for all the tips on here. At our LBM our credit card debts were and £22 k:eek: . After a lot of hard work I reduced them to £7,500. I was really proud of myself. This has taken about 1 year. But this…
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50,000 in Debt!!! Where to start!!!
:o I am 24 and my husband 30 and we are 50,000 in debt with a little boy 3!! I have so many credit commitments that i can handle it I began tackling my debt over 4 years ago with Eurodebt, then they forgot to pay one of my creditors for six months and I ended up with a CCJ to add to my problems since middle of last year we…
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Utterly depressed
I've been keeping a note of everything I've spent since the beginning of May and have just sat down to look at it in detail. I thought I was being relatively careful but it seems that I've been overspending massively. The main problem is that when I did my SOA a few weeks I wildly underestimated the amount of money I spend…
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getting on top of my debts!
Hi all, i feel that posting this is really goin gto help me be positive in getting shot of my debts! Im 23 and have two small children and would love another one or two maybe but me and partner have agreed to clear the debt first so that we can really concentrate on the kids! We dont struggle too much but it could be…
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Telephone banking errors
Hi all My wife recently tried to pay a 3k bill using the Alliance & Leicester telephone banking system, but it transpired that she accidentally sent the money to the wrong person!! We didn't notice this until 5 days later and when we contacted A&L, we were told we were outside the time within which they could automatically…
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DFW.........Time to take the plunge :-)
Good Afternoon all, Ive been lurking around the DFW thread for a while now and feel its time to sort out my debts out before they spiral out of control. I think its called the light bulb moment :-))) I'll try and keep my life story short and sweet. I'm 25 currently living at home with no rent expenses at present. However I…
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hi all
Hi I am new to these forums so a big hello :beer: I just want your advice on my current situation. I really want to pay off all these and save for my first home (im at home for free at present). I currently earn around £1000/month but I do have the option of regular overtime (@ £13/hour). I have the following loans.…
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Basic Bank Account
Hello Looking to open one. any tips and any advice? Looked on the FSA website and the ones which offer a Debit Card are limited too Bank of Scotland Clydesdale COOP (not an option :) ) Halifax Easycash Lloyds (not an option :) ) Natwest and RBS (not an option:)) Ulster Bank (not an option :) ) Yorkshire All experience and…
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letters from Natwest
Hi, we had a debt with Natwest, they took us to county court about 10 years ago where it was agreed we pay £20 per month which we have done every month and they were allowed a charge on our house till the debt is paid. Because my husband became disabled so we are now on benefits the Natwest agreed in writing to let us pay…
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wife has overspent, but will not talk about it
My wife has spent 10k since xmas on credit cards and has a car loan at 200/mth and a bank loan at 350/mth. She earns 15k pa I have tried talking but she won't what do I do?
