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What's the best way to cancel a credit card
Hi Everyone, Please accept my apologies if this thread is in the wrong forum First of all I've just managed to shuffle quite a large Lloyds C.Card sum to two new cards at a much lower rate (2.9% and 0%).:j Now, I need to decide what to do with the old card. My understanding is that.... 1) Asking the provider to reduce the…
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Worrid about DCA's Advice Needed!!
Wondered if any of you great guys out there could help me with a worry I have? I am just about to enter into a DMP with PayPlan, the releif I felt last week about confornting everything is starting to fade, I think because the reality of everything is now hitting home and now I have all my paperwork through and Payplan are…
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Being chased for a debt on CC she never took out
Hi I hope I am posting in the right section, until now I have only been in the BR sub forum! I am really worried on behalf of my wife. I went BR last year and am now discharged and we thought all money probs were behind us ... wrong! Briefly, or as briefly as possible, last September a DCA, (Cabot Financial of West…
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Newbie to here :-)
Hi, This is my first post. Today has been a pivotal day for me. Basically, I'm a single mum of 2 (fabulous kids), I work part-time (am lucky enough to work school hours, term time only - this is the only option for me as the costs of childcare outside of these times would make it unfeasible and I have no family that can…
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Looking ahead
I posted a few times a few months ago but have not posted in a while. I posted that we were in £35k of debt and that I had not told my OH, well he knows everything now and we are looking into doing a DMP with CSSS. I knew he would not go mad when i told him the amount but put it off for months as I did not want him to…
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Debt with Robinson Way.
Hello, I posted previously about a debt of mine that has been passed to Robinson Way. It is for £1086. I accept the debt is mine. I wrote to them upon receipt of their initial letter and they agreed to put a hold on my account and give me 28 days to come up with a payment plan to repay this debt (this is up in about 14…
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Charging orders
Do creditors always get the charging orders? we in court twice this month for charging orders. CQ
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please help i dont know what to do!!!
I woke up this morning and went to drive my car but i couldnt get it in first or second gear. i have no savings and the money i do have is budgeted till the end of the month. I need to get it fixed asap as i am working all next week tomorrow included. i tried to call some garages today but they were either full or not…
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F and F with iqor?
If i was to do a f and f with iqor and the debt is £405, how much would they want me to pay? CQ
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Rockwell - missing payments?!
My ex partner has been getting phonecalls from Rockwell hassling for more money, and saying we have missed payments etc so today i rang them to find out what this was all about. they told me the balance is £130 and the last payment was received in march... that's weird anyway because they'd been phoning then as well to say…
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Help with DCA please
I have a thread on Bankruptcy board http://forums.moneysavingexpert.com/showthread.html?t=786409 I am trying to deal with 1st Credit. Every time i send them a letter I get a letter responding saying: "thank you for your correspondance, the content have ben noted, please call to discuss this matter further":mad: I recently…
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Is there anything they don't want to know????
hi! I've been sent an income expenditure form by RMA resolve, as they won't agree to an increase in payment, unless I complete the form. They seem to want to know everything, including my partners income even though debt in my name, my costs per month for everything including prescriptions, hairdressing etc etc etc. During…
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Jobs in construction affected by Credit Crunch
I have been an ardent MSE Fan for years and in fact this site has helped me and my little family no end over the last two years. We got bank charges back and started a DMP 18 months ago but the last 6 months we have suffered as my Husband is a self employed carpenter who subs off Homebuilders in our area. The Credit Crunch…
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Claim letter for Halifax loan statutory interest
Morning All, Could someone please take a look at the wording of this letter to see if it reads OK. Any help is very appreciated Dear Sir or Madam, Thank you for your remittance of £378.24 in regards to my claim for mis-selling of Payment Protection Insurance (PPI). I accept this sum, as a gesture of goodwill. Not full and…
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pap/moozies what have/will you spend sat 10th May?
Good morning all :j Its saturday :rotfl: however that means only 3 days of my holiday left :o Anyways back to the point... so what have you lovely people spent today? I hope its not much and you have 'kept it low' remember ~ do I need it, can I afford it, can I find it cheaper elsewhere. Have a great saturday all :j I am…
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Daily Chat 10th May
Morning everyone I am back to work today after 8 weeks off:o Not looking forward to it,especially considering the fact DD was up half the night being sick and I reckon I have had 4 hours sleep.:rolleyes: Typical as it is her birthday today and she is having a small party in the house.....she is still in bed as we speak.…
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Saturday 10/05/08 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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12+2+30?? Cca
Ok my 12+2+30 days are up this week, 60% of my creditors haven't even responded to me, 20% sent me CCA's and the other 20% responded saying they didn't have my CCA, So whats next????
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Selling up to pay off debt quicker
1st post so I apologise in advance for rambling. Hubby-2-be and I have debts of just under £22,000 (mainly from uni and bad property decisions) but are desperate to get rid of these asap. We both have good jobs and a good monthly income (approx £5000pm) and are pretty good at budgeting but with mortgage, bills and debt…
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How do I start getting out of debt?
I got my equifax credit file today, knowing I am in a fair bit of debt, I want to clear it and rebuild my credit. It showed I have financial links to my ex husband (been divorced 5 years), he commited fraud (cat 4) when applying for a loan last summer (at our address from 5 years ago). His new wife/gf (?) was listed as 2…
