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Is it too late to ask for a CCA?
Hi helpful people, I have been issued court papers from equidebt, I had enetered into an agreement with them but couldn't keep up payments and they wouldn't lower it. It is for just under £5000. I can't even remember who the money was initially for. At the moment I'm trying to decide whether to enter a defence or do the…
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Friday conundrum
OKay, just got paid my months salary and it feels good to have money in bank again, been a tough last few weeks, so as a treat for me and wife we are thinking of having a well done meal. Kids are to off to grandparents so dont have to cook for them. Local Morrisons have a BOGOF on their curry for one, £3 something and some…
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Pap/Moozies what have/will you spend Friday 23rd May??
Good Morning everyone:wave: lovely day today & IT'S FRIDAY:T Planning on buying a cars duvet cover for DS £7.97 in Argos ( bargain ) but will give it to him with his birthday pressy's to bulk them out ( dull I know, but he does like cars! ) have a good one:j
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Help! In trouble from keeping up with the joneses
My background story: I am 43 years old, live in California and have a $110k income. I have a family with 4 kids and living in a $1.5M home with a BMW and a Lexus in a upper class neighborhood. I keep on telling myself that I can afford it because my neighbors can, but starting to believe it is beyond my means. Now the…
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Daily Chat: May 23rd Friday-LONG WEEKEND! Woohoo!
Ok, so technically, I am working most of the weekend, but WHO CARES! I'm off out tonight with a wonderful friend and then back to watch 'I am Legend'. Can't wait!:D I bought myself one of the bin things for inside my kitchen cupboard door as kitchen is soooooo small and can't attach it as do not have suitable tools (or…
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Living within my means-the challenge
I've had a thread of paying a debt off before June 16th thread going previously. However although I've done pretty well the past two months have been pretty bad and I've ended up adding an extra £300 to my HSBC card:eek:. Now, I've just found out I'm pregnant so really need to get this under control so that I can stop…
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help re lxdirect getting desperate
I have arranged reduced payments to pay off all my debts due to change in circumstances but littlewoods direct will not aknowledge my letters with offers of payment, telephone calls or anything. No one seems to know what anyone within the company is doing. They keep adding charges despite my many attempts at arranging a…
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Credit Report Question
I have accessed my credit report via Equifax (only to get 800 piggy points:rotfl: ) I had a car loan from The Associates back in 1998 which was for 4 years and was paid on time, every month until it was paid off. On my credit report, it shows a loan from Welcome Finance (did they take over the Associates?) for the same…
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Student DFW - the start!
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Travel Expenses rate - Is mine reasonable?
I work as a school dinner lady taking dinners, plates etc for up to 50 children from one school to another and back. I get paid 40p per mile and travel 17 miles a day in my 1.4 petrol car. The thing is it makes my little car very heavy and gets alot of wear and tear from the bumpy country roads. When I started work in…
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Holiday spends
Having always holidayed in the UK in our caravan we're going on holiday to Spain in August :j , the holiday itself is paid for - we now have to concentrate on spending money. How much will we need? We are a family of 5, 2 adults, 2 teens and a 6 year old. We are staying half board so shouldn't need money for food - other…
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My Soa..... any ideas
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Delete
Delete Please Thanks
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Problems with PAYPLAN DEBT MANAGEMENT PLAN
hI firsttime ive done this forum lark. Im having problems with PAYPLAN. They dont seem to b helping me with my debts. They havent frozen interest and keep getting letters from creditors asking for money still. Wondered wheteer anyone has experience with PAYPLAN? Have a debt mamangement plan with them I have had a phone…
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Lloyds Have Rejected My Loan Proposal - What Now?
Hi There, Thanks In Advance To Those Of You Who Respond. Cccs Have Responded To An Email I Sent Them Enquiring Whether Lloyds Have Accepted, And They Replied To Say Lloyds Have Rejected Payment Proposal On My Loan Account (been On A Dmp Since March 2007). I Am Feeling Very Edgy, What Will They Do Now? They Sent Me An…
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Collected SIL post and found baliffs letter
My SIL is away for three weeks with her parents. Me and my OH collected her post and noticed strange letter with date and time of delivery hand written. She has had A LOT of debt problems, so my OH opened it. Perhaps he shouldn't have, but we knew what was coming.. It's a letter from Philips Bailffs re a £375 court fine.…
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Problems with PAYPLAN DEBT MANAGEMENT PLAN
:confused: Hi Im a first timer to this forum lark. Need help and advice bout debts. Already with PAYPLAN on debt management plan but havent frozen interest and getting letters from detors bout payments. Not impressed with PAYPLAN at mo. Any one got other experiences with them? A compant called walkaway/stepaway phoned me…
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Job and Bankruptcy
[FONT=arial, helvetica, sans-serif]I am looking in to different solutions to help me with my debt and read that you can lose your job if you work in certain professions. I am currently working in the IT department for my local council and was wondering if my job would be safe. Also would joint debts, i.e, council tax, be…
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DCA letters for small amounts PLEASE GIVE ME STRENGTH
today i got a DCA letter for £4.63 with a £5 charge added on for a internet service i cancelled and have not used in 3 yrs i mean OMG the amount, i called them up and told them they can sing for that amout and i would not be paying i didnt own it, she said i will still get letters .....anyway i am thinking about paying…
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Asking for Credit Agreement, who and can i?
Hi I got a capital one credit card about 4/5 years ago. I paid the minimum payment for ages. They then upped the interest and gave me the option to either pay it all up, keep paying minimum, or cancel card and pay minimum until its completly paid off with no interest. I chose the last one. I defaulted and it has recently…
