-
Blinking Lowell Financial and Defaults on my CRF!!!
I do hope someone can advise me on this one. I've just had a look at my CRF, and to my horror, Lowell have recorded a default against me every month since January last year!! The only payment I have missed since their first contact with me in March 2007 was last month's. I have paid the exact sum they asked for, on time,…
-
Drowning.... almost....
Greetings one and all. I've spent the past few hours reading over the stories from others who, like myself, are struggling with debts. I've laughed, I've cried and I've pondered deeply. Now, though, I thought I'd share my own story and give you an overview of the situation I find myself in. Here is my SOA. You'll notice…
-
Do I need to do anything - CCJ almost up?
I know this may seem a bit of a daft question, but I've got a CCJ that "matures" next month....do I need to do anything about this? (except celebrate!) The main concern I have is that I moved from that address almost 2 years ago....will there be any correspondence about it that I need to get sent to my current address? Ta…
-
Mackenzie Hall Issue / Advice Needed
First of all let me say first class forums and excellent advice being given. Ive spen most of the afternoon reading, and just decided to post as an Issue has arisen. I've just got home today, and rec'd a Mackenzie Hall - Attempting to contact letter! I hadn't heard of Mackenzie Hall and did a search, which came up with a…
-
Removing a default incorrectly added to credit file
Hi everyone, First off, thanks to everyone who posts on these forums, some fantastic advice! I hope this is posted in the right place also. I would really appreciate some advice about a problem I have with Orange, and a default which was placed on my account. The circumstances are slightly out of the ordinary (ie not a…
-
Anyone think this is possible?
Hi there, I'd like to appologise in advance because this is a bit long winded. Basically, I leave the uk in Nov 08 for a round the world trip. However, as you may have guessed and hence the reason why I'm here, I need to save...FAST!!! I'm hoping to have around £5K spending money ready for when I leave and hopefully (this…
-
Debt management plan advice?
Hi, Im new to the site but so grateful to have found it. I was Bankrupt a fair few years ago and learnt nothing at all from the whole experience. I find myself in £4k of debt again, my husband knows nothing about it and ive stupidly over the past 3 months taken out pay day loans with pounds till pay day and quick quid to…
-
Advice - I think I've done the wrong thing!
Hi all Firstly, around 8 months ago I entered into an IVA, deciding that the 262 per month they were asking me to pay was a much better idea than the 800 i was paying at the time. Now I'm thinking that I should probably have come here first. I was suffering from extreme anxiety / depression at that time, and to be honest I…
-
Small Debts or Big Debts? Quick Question
Hi all, Just wondering which is best to concentrate on?, the bigger debts or smaller debts?, or the one with the highest interest? Ta
-
He refuses to pay
ok, here goes, I think he has won. When I was in my early 20's I made a very big mistake, I practically gave my credit facilities to an ex partner. We were never married, but cohabited for just over two years. I took out credit agreements in my name, which I had a verbal agreement that while we were together we would…
-
DMP - Help!!!
Hello, I hope somebody can help! My partner and I are considering getting a DMP to get rid of all our debts (totaling just under £15,000) But in our list they sent us of what they will allow usto pay out each month it doesn't allow for savings for Christmas and Birthdays. Does anyone know whether you are allowed to have…
-
worried about finances!!! need help to calm done:-)
Hi, Ive been on this site for a year or 2 and read this board nearly every day but do not post that often:o Im have been on a dmp with payplan for 5 years and although i still allow treats I do have a tight budget. I use this site to get me motivated and keep me on the straight and narrow. OK HERE IS THE PANIC!! Ive been…
-
Credit Card "Freezing"
Credit Card "Freezing" - is it possible with out bad consequences? Hello to everyone on this amazing site, my wife & i have had so much help & advice from the threads on here but one questio (among many) seems to not be approached, that is the question of freezing credit card interest. We have a MINT card an EGG card a…
-
I'm Back!
Hi All, I have been away for about a month or so (maybe longer) and feeling a little bit silly. I have just moved into a new house and keep wasting money on stupid things. I'm not even making my lunches anymore so buying lunch at work! So I am going to be better at this and actually join back in with the challenges and get…
-
Help - Young and In Debt
Ok so, i'm in about £8k's worth of debt, but the problem is my creditors are my old bank the natrwest of which i got into debt with, with my ex-boyfriend and then my dad who is an IFA said he would fight all the charges that they had whacked on! Well this was over 3 years ago and nothing has happend?? And now I have…
-
Bad credit rating
I had my house reposessed about 3 years ago now, i have since tried to get credit and as you can image no one will even consider lending to me. I only wanted to get a credit card to try and improve my credit score. I have since moved on and have got a good job with great propsects however i am concerned that when and if my…
-
Job Advice
Im in a conundrum (sort of!). I live in Kent, but work in London. My journey to work everyday takes me nearly 4 hours (there and back). This makes me so tired. And also costs £3100 a year in train fare. I have only just started this job (beginning of March), and i really do like it, its the perfect job for me, but i feel…
-
First Post - My LB Moment has arrived!
Morning All I have been reading lots of the posts on this site for quite a while now and whilst always knowing I had an issue with money I feel now is the time to admit all! I am actually quite frightened by what state I have got myself into financially and the only reason I am here is because of my 'spend now think later'…
-
Waggy Tail Moments
Hi Everyone, This is my first thread so I hope it all goes well. Life can be pretty miserable at times so I thought it would be nice to have a thread to celebrate those "Waggy Tail Moments" when something good happens to alleviate the pain. My waggy tail moment for today is finding that my PayPal account had £100 more in…
-
Pap/Moozie's what have/will you spend today Friday 2nd May?
morning all:hello: should be a nsd here:rolleyes: hope you all have a super friday, and enjoy the sunshine:)
