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Can a 2nd charge holder make you sell?
Only interested as someone said they where unable to make you sell,I'd be interested to know.
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Building Up Credit Score/File etc.
Hi All Just wondering how to do the above really? I have checked it and will be clearing the only thing that has been red flagged off ASAP. Once that has gone it only has my loan/cc that i always pay on time (the monthly payments) (and will be paying off completly by the end of 2008). Is there anything else i can do to…
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Would welcome some advice!
:confused: Hello, newbie just signed up. I've not long returned from my bank (Lloyds TSB) with the aim of reviewing my account. It's basically in a mess and I'm touching the borders of spoiling my credit rating. I currently have an loan which has 3.5 years left with balance of £6700 left paying £205.18 per month. However,…
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mercers please help
Had a letter this morning from Mercers debt collectors collecting on behalf of barclaycard . They say they are instructing a local debt collector as my account is overdue and they have not been able to contact me . They say to ring as it will prevent the collector from calling . Please can someone advice me what to do .…
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Can I have your thoughts please - cars...
Hey guys, Need some of your wonderful wisdom to put myself in perspective because I think my thoughts are all blurred at the moment!! LOL Currently I own a 3 year old astra, its my pride and joy and I love it to bits. Trouble is, it is costing me a fortune in petrol. I do alot of miles to work and its costing me loads. No…
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Lightbulb Moment AGAIN!!!
Hi everyone Well I had yet another lightbulb moment last night...... I have been worried that still not sticking to the budget given by the CCCS. I have cut right back and have many no spend days and have reduced the food bill but still not sticking to the budget and nothing saved for one off bills liek dentist etc. I…
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In a Financial Mess and need help plz!
Hi All, To cut a long story short after a foolish 4 yr stint at uni and gathering as much debt as possible: I owe Barclaycard £2600 - through one of their debt collection agencies Barclays £2615 - through RMA Plus Capital One £1130 Basically i've had my head in the sand and ran away from both Barclaycard and Barclays…
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Was managing but now falling fast
Hi everyone, First can I just say its nice to be in the company of people in the similar situation as me do not feel so alone now. My OH and myself have debt in the region of £50,000 and have been in a debt management plan since April 07 with the ever helpful Payplan paying them £273 a month. Unfortunately I got made…
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My DFW Diary............it could be long!!!
Hi Everyone Well after reading quite a few other DFW diarys I kinda figured that it might be a good thing for me to start, even if I am the only person who ever looks at it I kinda figure it may keep me motivated..........well at least that is the plan! So then where do we stand right now? Well hubby currently has a credit…
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Anyone else feel they have been mis-sold an IVA?
Started an IVA last year and after receiving the 1st annual statement got the first insight to the huge fees the IP intends to deduct from our payments. Maybe I sound naive (I am because I've never had an IVA before!) but when I was taking out the IVA initially the fees were never given to me in writing and after the…
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Have DMP but can't even afford to pay that :(
I am with the CCCS and have been for a year now. I have a 10yr plan with them to pay back my 19k debts Basically I started it a year ago whilst receiving mat pay from having my DD. I now have no income whatsoever and can't get a job as we can't afford childcare. I can't even get an evening job as my DP works very…
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Oh god I am in so much of a mess!!
Hi. I don't come on here often but really could do with some advice/support. I have got myself in such a huge mess and I am so worried now I'm sat here in tears. I have debts of approx £15000 from about 4 years ago, i stupidly stopped paying them about 3 years ago when I lost my job, I haven't paid anything on them since.…
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Free/Cheap Legal Advice?
In reference to this thread, I may need to seek legal advice sometime in the near future. Is there anywhere I can get free or cheap legal advice?
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enough is enough
new to all this so all advice greatly appreciated.:beer: first things first....credit cards and accounts - going to cut them but should i ask for account to be closed then continue making payments or just continue making payments then closing at the end? will post a soa asap. my main plan is to re mortgage in sept when…
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soa and carers allowance
Advice please. I have had to give up my part time job to look after my son whos disabled so now my only income is Carers Allowance at £50.55 a wk. I have an Egg loan which I stil owe £3500 on and Egg CC with £1000 owing. I have written to egg to make reduced payments of £40 a mth on loan and still continue to make minimum…
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Impact DMP has upon addresses credit rating?
I am on a DMP with the CCCS and have been now for just over 6 months. It has all been going fairly smoothly (with the exception of HSBC!!!) I did however have a rather big panic the other day about the impact that my DMP would have upon my Dad's credit rating. Because of my current living arrangements my mail, bank…
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Request CCA for overdraft?
I have been having trouble with a DCA trying to collect money for an old overdraft I had with Lloyds TSB. They (and Lloyds) are repeatedly ignoring my requests for information with regards to the amount 'owed'. Would it be worth my while requesting a copy of the CCA to see if they can produce a copy in time? Or does this…
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Tuesday 20/05/08, what small DFW things have you done today?
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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Credit report question
Hi there Just a quicky. Does an arrangement to pay set up with the bank count as a missed payment?
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im in £35'000 debt can the collectors take my removals van
Hi folks ,,my name is john im a single dad going for custody of my son! he lives with me and im hoping to set up my own business to allow me to spend more time with him school trips play days etc.. im in £35'000 debt and have been avoiding the debt collectors for 3 years untill now!! i have just recieved £4,000 copensation…
