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what to do? trust deed?
ok, so 3 years ago i took out a consolidation loan, at the time i'd two loans totalling about 12 thousand & i paid off the credit card. at the sametime my sister with learning difficulties was diagnosed with leukemia, she's my only immediate family so the loan became a bit of a 'blanket' in affording the trips to aberdeen…
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Help please! How do I remove default notice on my credit report
My first post ever, so apologies if I waffle. I checked my credit report online and saw O2 mobile had me down as defaulted on a £14 payment in 2005? I called them and they said that when I closed my mobile account, I had not paid £14. I have never missed a payment on anything and I told them that had a request for £14 been…
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Bailiff letter to wrong address
Not sure where to post this as the debt is not owed by us, but hope those who have some info would be around on this part of the forum. My 80 year old mother lives in a block of 6 council flats with a communal front door with intercom, then individual doors to each flat. At about 7.30 this morning the tradesman's buzzer…
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been to see CAB about debt and creditors saying i must pay full payments
lats month i went to see debt advisor at CAB as with being on benefits cant keep up full payments anymore and run a house and 2 kids she advised me to do a dmp and she would write to all my creditors to get full and final balance and to go back and see her in a month (which i cant get appointment as she is fully booked for…
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please help debts getting too much-cant pay full amount each month
I am struggling to pay my debt with cahoot which is currently at £160 a month. My maternity pay is ceasing soon and I can not go back to work due to my partners ill health. I have emailed Cahoot saying that I am having difficulty paying and that I have not missed a payment for 2 years and they have emailed me back saying…
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Random French Stick Question...
I have posted this on the old style board but as I am ready for bed and had no reply i thought i'd try my luck on the old faithful..... Can I freeze a french stick? I bought one for 19p today and it is still pretty fresh. I won't use it all tomorrow but don't want to waste any. I think I can but my mum doesn't......please…
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Tricky situation
Hi everyone, Hope you can help. How do I approach this situation, a couple of years ago, DW got into debt (as well as me), we had creditors ringing day & night, so I cashed in ISA & savings and paid off DW's debts, then I took over the finances. We both get "pocket money" each week for ourselves, and have both said that we…
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Queries re: Bankruptcy and IVA
Okay, the background is detailed here. My parents have spoken and they've spoken to the National Debtline (who have advised bankruptcy), and now they've both come to me again, asking me to find out answers to the following. My mum doesn't want to go bankrupt for one reason - she doesn't want her name in the newspaper. Now…
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Why wont Halifax freeze interest on my CC?
Hello everyone Myself and my fella registered with a Debt Management company about 2 years ago. We pay them 1 monthly payment and they liaise with all our creditors and pay them the agreed amount. This has been working great and we were finally making some headway on our huge debt when suddenly after about 1 year the…
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Gonna sound really thick here!!!
ive got all my new incomings and outgoings for this year so want to set my budget as i really want to be better with money this year the question i wanted to ask is how does everyone work out their budget? i have money paid in weekly, fortnightly, 4 weekly and monthly. now for example if i had £80 being paid weekly would i…
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my story
I have been lurking the past few days and am so grateful to have found this site. There are some truly wonderful people. Anyway where do I start? I am very ashamed of the trouble I am in and what might happen in the future. Up until a year ago, I was trying to pay all my debts back. But after months of threatening letters,…
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Can't afford a holiday? look here.
I know some of you don't stray out of here, but saw this post on freebies and thought of you lot. I was especially thinking of immoral angel but can't see her on-line so if anyone knows how to contact her let her know about this. http://forums.moneysavingexpert.com/showthread.html?p=10956303#post10956303
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M challenge for End of year 2008
well guys my debts so far are £19800 and i plan on reducing it down to around ZERO by end of the year I had a choice. continue paying repayments or try clear my feet to start a fresh. Wish me luck guys.
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another step forward !
hi all been a while i know but thought I'd drop in and see how ya all doing. I'm still ebaying and so far almost reached £200 mark. also done our review with payplan and thanks to my new job and pay rise we have cut down the number of years it will take us to be debt free to 9 years from 18 ! I feel like a weight has been…
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CCJ question/ What do i do?
Hi everyone. A couple of months ago I received a CCJ to which I replied. I filled in the form advising that whilst i do not deny owing the debt, i disputed the amount owing. I have received two letters from the DCA advising of two amounts and then the amount on the CCJ was different aswell. I wrote a letter to the credit…
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changing from fee charging dmp company to free company
Hi all Have posted before im on a DMP with churchwood financial have been for nearly a year now, i rang and talked to cccs and they wanted my payments to increase by £400 permonth i pay £600 now to churchwood but cccs wanted nearly a thousand per month there were so many bills that they said my payments were too high for…
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I did it!!!!!!!
I haven't been about much, busy busy busy!!! Anyway I just thought I'd let everyone know I finally paid off my final debt the other day, I am now officially debt free for the first time in nearly 10 years, I plan to stay debt free too. :beer: for everyone who's got there & for everyone who's still on the road, you'll get…
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My SOA
Hi All Our SOA below. Think I have done something seriously wrong cause there is no way we have £265 left at the end of every month. Can anyone point me in the right direction?! Let me tell you a little about ourselves. There is just me and hubby at home, both working full time, newly weds and very much trying to get…
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Hi strangers!!
I haven't been on for ages ..... thought I would pop in and say hello. Things have been bad at home and me and my husband have decided to separate today. Financially I have no idea where to start, other than to say that he is not going to see me or the kids stuck and fortunately all my personal debts are now clear - the…
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Hmmm, what to do.
Hi, I have got some money being payed off on a 0% credit card. And also £1000 left on a loan which I pay £164.47 on a month (ends November).(interest payed) I am just about to sell my car due to high mpg for £1000, cash in hand on Sunday. I have one £700 overdraft which I get charged around £5 a month for.(always use this,…
