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Another debt PAID
I racked up quite a large NPower bill from my last apartment. I wasn't paying enough the entire time I was there. I owed them £540.00 and put off paying for almost a year. I did pay off £100 somehow over that period, but three months ago they sent me a nice letter asking that I pay the debt. So I thought, "Self, you can't…
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is it too early....
to paarteeeee its my last fri night off work til 25th july sooo depressing so anyone wanna join me x
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Just Been Paid Already Skint. Think I Might Need Some Help!
Hi everyone, as the title above suggest I'm struggling at the moment with my finances, well I say at the moment it's been quite a while! Last few months in particular have been a struggle. I need to be more moneywise and get my finances organised! I've spent pretty much all day finding out what I owe and I've done my SOA…
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How to pay everyone off!
Hello lovely MSE's I have been lurking for a very very long time, yes about a year! My OH has complained he is a MSE widower as I spend so long reading the forum! It has given me great inspiration and I am continually touched reading about other people's lives and the strength and advice others give to each other. I have…
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Where do I start....
Basically I have been shuffling things about for the past 6 months or so, but now I am really bricking it. I have gone over my overdraft by £700(will not actually do so as I have cancelled the children's nursery direct debit & will pay by cheque so it clears on payday) but I do not know what to do. I have applied for 2…
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The "Be very polite, courtious and earn as many tips as possible" Challenge
I have been turning down so many drinks at work on the basis that im driving home yet cant believe it when i get home and i tot up how much in ££££ terms i would have in my pocket at the end of each night if i took the cash. Even if i say "ok, il have a 1/2 later" and chip a quid in my pocket it's not technically doing…
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Claim form for Northampton Court Received from Phoenix Recoveries, please help
I have just got home from work and received a claim form from Northampton court. It has been issued from Phoenix Recoveries and says " the claimant claims £150 such sum being part of a dbt due under agreement number whereby the defendant agreed to pay the claimant £800" I have not entered into a payment plan with phoenix.…
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Advice please?
My husband does not know about my debts. Neither can he ever know, for personal reasons. So please can anyone give me some advice on this please? Monthly Income Details Monthly income after tax................ 840 Partners monthly income after tax....... 900 Benefits................................ 0 Other…
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Wescott Credit
:mad: I am fed up with these vultureshassling my OH for a debt she does not owe. To date I have been reasonable, done as the advice on here says, requesting revelvant paperwork etc - even sent off a quid!! The response? just more threatening letters even RED ones!! Today WAR has been declared - its time these thieves were…
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On DMP with CCCS need advice
I am on a dmp with cccs and have today been informed that both my gas and electricity are to go up again in june. How much will cccs actually allow for this as our bills are quite high to start with? Thanks Jacqui
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Where the Blame lies? (bit of a rant about our credit happy Culture)
I’m in money trouble, I guess I have been for quite a while but have managed to stave off the inevitable up until now with further borrowing from Credit Cards and overdrafts, and a part time job to cover my loan and minimum payments. I have really been beating myself up over the fact I can’t pay my creditors and feel like…
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Want to get to the bottom of this
Ok some of you may remember me, some of you may not. My new leaf didn't last very long and I'm up to my old tricks again. What I want to find out is why? I cant understand why I cant focus on getting them paid off - maybe its that the goal seems so so far away that I feel its not achievable. Can anybody help? I'm slowly…
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I give up - there's no hope
I've posted a few times about problems with mortgage re-payments, debt, considering bankruptcy etc, etc Now, I give up! I am now sat here, waiting day by day for a letter to drop through the door from the mortgage company going for repossesion - I am a sitting duck!!! There is nothing I can do! I think I've tried every…
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Query re Credit Report Fault
Good afternoon all :hello: Would any of you kind people know of a template letter that I can use to send to a DCA/lender/Credit reference agency to query information held. To cut a long story short, I have been making regular monthly payments to a DCA debt, but they have listed every month on my credit report since then as…
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Northern Rock idiots
I have banked with Northern Rock for over 15 years (current account). What they have just done to me may not be exclusive to them, but I've had enough! Due to them not having internet banking - those paying their salaries in miraculously somehow are meant to keep tabs on everything with a monthly statement only (they have…
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I'm now debt free (since 9:34)
i was a bit stupid about 6 months ago i was only working part time in a bar and ran my phone bill upto £743 obviously i couldn't afford to pay this off so well i got another job (accountant) and i have just paid the last bit off it now. well anyway i've also just done a credit check thingy with annualcreditreport.co.uk and…
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Best Basic Bank Account - Advice Please
Hi Just been to CITIZENS ADVICE BUREAU for a meeting with my debts which were 4 but have now turned into a few more. Have had to put down my catalogues, bank charges (which i am paying back till this test case is sorted), my bank loan with tsb and overdraft with tsb along with provident and greenwoods. I didn't realise…
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How Do I Convince Mother In Law?
Hi Everybody! Please help! My Mother in Law has finally decided that her finances need bringing under control. She and my FIL have plenty of credit cards on them and want them gone! Previously when we'd spoken about what she'd like to do, she was going to go to either CCCS or National Debtline, which I was happy with!…
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Bank Address
no replies in my thread :( is there anywhere on the site that lists creditors addresses? also i need some help working out the figures for F+F settlement
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please help - how t recover money wrongly paid
an ex bought some items when he was living with me but put them (without my knowledge) in his first name and my last name - when we split i never paid just assuming he was paying the catalogues.....but, i got a letter from national debt recovery asking for the money - at the time i hadnt even heard of this site so was…
