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I Failed... Terribly
So it's been a long while since i last posted on these forums... Mostly through embarassment, and though sinking back into denial about my debts again... I have an old thread here: http://forums.moneysavingexpert.com/showthread.html?t=586128 Just incase you're interesting in the start of all this. However, i want to start…
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Debt Collectors Legal Rights
Hi, Does anyone know what debt collectors legal rights are? Can they break in to your home? Can they take property in your house even if it doesnt actually belong to you? If you open the door when they knock can they force there way in? Can they take a vehicle that is on credit in your partners name but the V5 is in your…
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help, advice please
I am in deep debts problems, the loan I took was to support my studies. I finally managed to finish my PhD, BUT ended up with a lot of debts. I do not really know how to sort it out, I have been so stretched for the last few years, and I feel like just giving up. It is very stressful and it is killing me. I need any advice…
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Power2connect
Anyone had any dealings with Power2connect. I have a Citi Card which I have requested a cca on as they have defaulted on the agreement on my account and started adding interest and charges to the account again. CCA request was received by Citi Card in March and they are well over due to supply it and haven't even bothered…
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Credit rating question
Hi, i've recently joined up with experian so i could check my rating etc. I am ranked as "poor". The thing is i havent missed any payments on any accounts, i have only a couple of credit searches listed. My address is correct and im on the electoral roll. Why is my rating so poor?
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South Wales meet up?
Hi everyone I'm a long time lurker and a sometimes poster on this forum and don't know anyone. I wondered if anyone would be interesting in having a meet up in the Cardiff area? Be nice to meet some new people. Anyone up for it? I'm nice.. honestly!:p
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wage slips
Can somebody please tell me if you have to send wage slips if they are requested by a company . As i sent my SOA to marbles and they have asked for them . I did not think they could do this thanks
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Credit Card Payback?
Hi, basically my situation is this: i owe 900 to a credit card, 500 to an overdraft and i have a 900 loan. im getting my old deposit back from my place of 400 and want to know in regard to my credit score, which is the best one to payback. i assume its the credit card but im not too sure. My loan is all set in regular…
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help needed alliance and leicester threatening ccj/bailiff
Please can someone give me some advice. I am new to this site but have been reading it for ages .In process of setting up a DMP myself have 8 creditors alliance and leicester have sent me a letter today saying potential commencement of legal proceedings . They say i am ignoring all communication even though every time i…
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What a good feeling
Morning All, Just received this mornings post and credit card statement with zero balance, that's not happened for a long time. It does feel good!!! :j :j :j :j Thank heavens for this site & Martin Lewis, finally got me on the right path to DFW. Thanks for al the pointers & support :T :T :T :T
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Tallie debt buster back...feeling down
Hi there all, im back~! Ive been off the board a while after my car crash and ive had a teribble two weeks spending. I had retail therapy and got my hair cut and little shopping, but i worked wed night to pay for that. so not all bad, tried my best to do something about that splurge.... just it has been a diffuclt time,…
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HSBC Problem - can someone please help?
Hi All, Is there anyone who can maybe give me some advice please. Over the past 4 weeks I have on a weekly basis contacted by bankers to inform them that I have applied for a 2nd mortgage to pay back the debt. As of todays date (16th May) the money was attempted to be transferred into the account at HSBC (HSBC have been…
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Healing my poorly credit history....want my own home....
I am in the process of getting my finances in order after years of total frivoloity got in huge debt. I missed a few repayments. Had to negoitate payment terms with a couple of lenders Made late payments here and there. This was when things reached crisis point, happened over a period of about 4 months, and happened 3-4…
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Friday 16/05/2008. 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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My challenge for the next 30 days 16.5.08
Hi everyone! I have been lurking on various threads (that sounds awful) ok reading various threads when I have time and have slipped badly. I should have paid off a lot more than I have and now that i have finished beating myself over the head have decided to do a 30 day challenge just to try and keep myself on the…
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Trying hard but getting nowhere
This is my second post. Just wanted to say hi to everyone in my first. I feel that i am now ready to face up to my responsibilities and try my best to sort out my debts and finances. It's sooo hard though. After hubby losing 4 jobs through no fault of his own, we had to re mortgage last year. Wish i had known about this…
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Pap & Moozies What have/will you spend Friday 16th May??
morning all:hello: should be a nsd here:rolleyes: hope you all have a ferociously good friday.:) who stole the sunshine:confused: :rotfl:
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New relationships?
Hi. I just thought I'd ask if anybody else feels the same way I do, i.e. scared of starting up a new relationship with someone who probably doesn't have the same money worries/debt as them? The thought of having to tell someone about the mess you're in absolutely terrifies me and makes me think that they would think less…
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Daily Chat! Fri May 16th-Just to bug Len...
Morning, Im sure I wil get told off for putting the date in the correct order from Rainman Len but I DUNNA CARE! I'm back online thanks to the kindness of Darling IA! Woohooooo! Thanks you guys! I missed my 'puter so much! And I'm in my NEW house and life is Grand. Will post more later, have to get kiddliwinks off to school
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Statutory Demand
Hello all, I'm in need of some advice please, I have received a statutory demand for a debt from a solicitor. I Wrote to them and offered a set amount per month of £750.00 untill debt cleared total being £5,800. They said their clients would not accept this and required the full amount by a certain date or they would be…
