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Help req to contat HFO Services
I need some help with HFO Services. A while ago I set up an arrangement over the phone with them to settle a Barclaycard Debt. I am paying £100 per month on a debt of just over £2000. I believe I am coming towards the end of my payments and am trying to contact them to find out how much I still owe. I have called the…
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dmp amount?
I'm doing token payments at the mo with cccs, with a view to increasing my disposable £ to get on a dmp. When I first spoke to the cccs I had none, hence £1 token payments, now have around £78, and increasing. Can anyone tell me what the disposable £ amount is before starting a dmp with cccs? £100? £200? Thanks x
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can i do it?!!!
decided this morning, thats it, i'm fed up with being in debt. Plus my added incentive is that we want to have another baby.. so can i clear 7400 by april 2009??? :mad: currently i have £1620 loan natwest 7.7% £140.10 per month finishes 04/09 £2200 loan natwest 7.9% £132.63 per month finishes 09/09 £1700 virgin cc apr ??…
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DFW Daily Chat 18 May
Wot no thread?! Morning all - just off to see my dog! Already been over to Bournemouth this morning to drop OH off to pick up his car :rolleyes: Busy day. Will be AQA'ing until the food arrives, housework, then my marathon cake baking session, need to jot a few notes for my course tomorrow, wash my hair and apparently…
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Sunday 18/05/08. What small dfw things will you do 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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bank chase long term debt and not so well off well off
Early 90's debt being chased http://news.bbc.co.uk/1/hi/business/7317470.stm also the not so well off well off http://news.bbc.co.uk/1/hi/uk/7406752.stm
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Given CCJ by one DCA while paying debt with another DCA
Hi, I have a NatWest credit card debt of £560. I started getting letters from Regal Credit Consultants DCA last month for payment of this debt. At the same time I got a CCJ application sent to me issused by Northampton Court on behalf of Fredrickson/Bryan Carter & Co Solicitors. The last time Fredrickson/Bryan Carter had…
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Credit Report
Can anyone tell me how I go about getting 4 accounts on my credit report removed? They are marked as "settled" on my report but I do not use them and dont intend to anymore so I wish to get the accounts off my report. Any advice would be good. Thanks
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My lightbulb moment
Hello everyone. My current (and honest) SOA: Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 995 Partners monthly income after tax....... 0 Benefits................................ 0 Other income............................ 0 Total monthly…
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Just generally a bit fed up of money...well lack of it
I'm working overtime right now and its 11pm on a Saturday night and I feel like a bit of a whinge. I work extremely hard and at 23 feel like I wish money didnt exist. I want to do all these things, buy a decent car, buy a house with my partner, be able to go out once in a while, but I feel so limited by the way I have…
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Loans/credit Cards
Please can anyone help? I am new to the site. O/H business gone bust which has left us in a mess, he borrowed money of credit cards and loans to support business. It adds up to £80,000. These are all personal loans & credit cards in his name. The business has gone bust, no wages and no job! I am very worried about how the…
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IVA Dilemma - please help
Last year I found myself out of work and pregnant so struggled to get a new job so me and my husband decided an IVA would be the best way forward. We looked at a few but went with Debt Matters as they charged the least fees for their service (next to nothing from what I can remember). I also remember that one of the…
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Churchwood
Hi Guys. I've picked up loads of useful information over the past year from just reading other peoples threads, but I now have a query of my own! I took out a DMP with Churchwood 3 years ago for £211 a month. Never missed a payment etc, and my finances have improved lots in this time. Even to the extent that I am now a…
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New to this site, but not new to debt!!!
Looking for some support - debt totalling £16k - we have been trying to do it ourselves, but every month something happens - cars/house/ boiler breaks etc have 4 chn, and older son, who has just finished Uni, hopefully will get a job and we wont have to support!! Just been taken to court by Barclaycard owe 4K want us to…
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Business Debtline
I'm currently dealing with cccs and theyve been fab - no complaints - in fact can't recommend them highly enough! During my initial call/ appointment with the debt counsellor I was given the number for the Business Debtline to see if they could perhaps help with ideas for upping the income from my business. I rang them the…
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lowel (again!)
recieved a letter or two of lowel for a capital one debt from just about 6 years ago. i did phone at first and made an offer to pay £10 pcm, as this is all i can afford..they refused this so i hung up and called the national debtline who told me that the debt was 6 years old and i need not pay it........i have recently…
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Here We Go...Debt, Diet, DIY & Wedding!!
I am a newbie to this forum and absolutely love it!! I have read probably thousands of posts over the last few weeks, and now feel it's time to write my own debt free diary. As my life is so complicated, there will no doubt be ramblings of dieting, DIY & wedding. I'm trying to incorporate these into my DFW lifestyle! I'm…
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Money Dilemma - Gas Or Rent Arrears?
My wonderful mum gave me some money yesterday to get food with and the essential bills this week. I've done the basic food shopping i could do for 2 adults, a child and 2 dogs and spent £30, i now have £10 left over but will need gas this week at some point because it's on the emergency at the moment. I am in rent arrears…
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sister walked out on husband with massive debts advice please
I'm putting this on the debt board as, although it is related to a marital breakdown, I am hoping for advice re a very difficult situation re debts and limiting liability. If this is wrong could the mods move it please? My little sister has finally walked out on her husband of 12 years (something she should have done many…
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Quick Sanity Check On No Brainer Please
Hi Everyone, Recently I've been trying to sort out my C.Card debts by shifting them to lower interest rates. The current situation is roughly as follows: C.Card 1: £200 18.5% C.Card 2: £3.8K 17.9% C.Card 3: £8.5K 17.5% C.Card 4: £4.5K 2.6%/year --> for 24 months C.Card 5: £4.5K 0% --> for 13 months Cards 4 and 5 are new…
