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Max Recovery / Eversheds
Hi, I was released from bankruptcy in febuary this year and last month when i checked out my credit report all the outstanding accounts were marked as settled. So i was going to begin to rebuild credit. But today i recieved an email saying my credit report had changed and when i checked there were three new entries from…
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Debt Counselling Qualification
Hi, I am still managing my debts but feel I have a wealth of knowledge of what happens and the emotions and worry that people go through. I'd like to study for a qualification in the debt field to maybe work with the CAB in the future - does anyone know of good, validated qualifications in the Midlands preferably? Thanks:p
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Advice for a stressed out newbie :-(
Hi all, I have got to the point where my situation is starting to consume my thoughts days and night. My situation is that I am in about £70k of debt (not including my mortgage of £118k) which is all unsecured between credit cards and loans. I am up to date on all the payments because for the last few years I have been…
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New Debt Free Wannabe!
Hi All, Well I have just had my lbm and been and done a SOA. I have worked out an action plan to pay off the credit cards and hopefully will be debt free by 2010. Maybe before if DH and I can sort ourselves out and get some proper willpower to give up the smokes (don't all beat me up I'm trying! :o ) One of our problems is…
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Newbie on the block
Hi all, I have been thinking of joining for some time and as you will see I have taken the plunge. I have been an idiot with cash and now find myself in what feels like unsurmountable debt. I am lucky in that my OH pays the bills not listed here e.g. petrol etc. I can't tell him the extent of the debt because he really…
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Most embarrasing
:o Ok, Ummmm, What is your most embaressing thing that you have done to save some cash/not spend. We ran out of loo roll on Monday night, OH went away with work and is back tonight, but ummm, rather than go buy some more (resulting in me deciding i need 50 other things as well,) i have been using some old face wipes that i…
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Should I phone Crapquest or wait
They offered a full & Final at the begining of the month which both sides agreed to. I canceled their payment from my DMP and readjusted the other creditors amounts. We still havn't had the offer out in writing so won't be paying until it's recieved and written correctly. It's just stressing me what they will do since they…
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Old cheques+Tesco vouchers
Hi all, I'm having a huge clear out and in the process have found 2 cheques payable to me, both 2 years old-one is dated 23 May 06 and the other 3 June 06. Have I completely missed out on banking these?!! Also I found £9 worth of Tesco vouchers valid until 07 - does anyone know if Tesco would renew these? Many thanks,
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im in way over my head with betting! help!
hello everyone im in a bit of a panic... basically just signed up to quid co and thought i know, ill sign up to this bet fair casino, deposit and spend 10 quid and then ill get 20 profit from quidoco but i dont know what on earth im doing... i placed a bet on portugal beating turkey in euro 2008 and it didnt let me put in…
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Court Form Nx4
Please can anyone advise, NR did'nt get a charging order, we have informed the Land registry of this. They have said that NR have to inform them that they did'nt get a CO. We then asked if they don't ,then we have to fill in a form NX4. Does anyone know how much thiss would cost and were do we get one of this forms? CQ
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Financial complaints soar by 30%
Complaints about bank account charges and payment protection insurance drove the sharp annual rise. The number of complaints made to the Financial Ombudsman Service (FOS) has risen by 30 per cent. But still NOTHING seems to be getting done: The full story:…
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For all those feeling despondent
Just wanted to say that after having my lightbulb moment in January, I've managed to clear one of my credit cards and reduce my other debt by quite a substantial amount and I feel GREAT!! For all those feeling despondent and not seeing an immediate change in their finances, I'd just like to say HANG IN THERE. I found it…
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Pap/Moozies What have/will you spend Thursday 29th May?
Good Morning everyone:o Well no sleep last night due to annoying people that have rented the house across the road acting like idiots, shouting about drunk & running up & down the road, which ended up with me going out & shouting at the at 12.30am as they had just thrown a 1 litre glass bottle out of the front door into…
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Divorced - am i responsible
Not sure if i`m in the right place...bit of a newbie !! I had the misfortune to be married to a complete waste of space though i am divorced now. I have this morning got a letter from a debt agency asking for £300 for rent arrears for the property we shared 3 years ago. Both of our names were on the tenancy however because…
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DEFAULT registered by accident!
Hello All Last month I cleared a load of debts from my marriage and one of them was a f&f settlement of a £4193 debt with First Direct for just £4000. Just before paying all these off I had a clean credit file because these debts were older then 8 years old. I applied for a loan and was denied - so I checked the file and…
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Horwich Farrelly / Barclays Bank Early settlement?
I'm currently paying and old Barclays Bank debt off (Currently standing at £2910,00) through their appointed collectors at £110.00 per month when asking them about an early settlemnent they have offered £2,700. I didn't think that this was such an attractive offer especially when they offered me an early settlemnt of £1800…
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Mackenzie Hall
Hey all, Right, I have been reading a few posts on here about Mackenzie Hall, and lets just say I think I need a little advice before making any payments. Here is what happened. I got a phone call last week from them saying that I was in debt by £30 to Virgin Media (At the time it was Telewest, broadband provider). I…
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Advice please!!!! :(
Hi everyone, This is a bit long, so please bear with me! Basically, I left a full time office job back in December, it was just too stressful and I hated it! A colleague and I decided to try and work for ourselves doing markets and buyin and selling off of ebay. Anyway, things haven't worked out and I am now £100 away from…
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A Big Thankyou
Hi I,d like to say a big thankyou to everyones kind words and encouragement after my first post earlier this week. I plan to post my SOA asap but have been busy packing for my move on Saturday. The garage has just taken great delight in informing me the car failed the MOT. They're rubbing their hands together - 3 new…
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Charging Order and Force of Sale
I had a charging order hearing yesterday for my Northern Rock Loan, my husband had one in December and the order was granted with a condition that no force of sale could take place unless he defaulted. With regards my loan for a similar amount, the Order was also granted but the Judge was reluctant to add a condition even…
