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What to do
Hey everyone, my current situation is that I have a £16k loan, which has until November 2010 to be repaid with Nationwide. With this loan I am paying £312 a month and have since cancelled my loan protection. My current settlement figure for my loan is £8557 I have a savings account with HSBC and I have £5450 at the moment.…
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Fallen angel laughing n letting go...
Well, I'm feeling surprisingly philosophical after a day at work that's made my brain hurt. So, not often feeling the need to take such a 'philophicalised' view of life I thought I'd make the most of it. Now, I'm hardly Socrates, so just bear with me on this one... Paying off my loan has been blooming hard work, but, like…
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so call mate
Hello, I had a credit card about two years ago of which could have a second person on it. I got the card for him.me, wife and kids wanted to go to Disney usa.he got wind of this and wanted to take his wife and kid’s aswell.he started putting all his debts on the card. Two years later it was getting too much for me. Now the…
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''Don't be dumped by debt'' interesting article.
Thought this might be of interest to someone. :) http://uk.biz.yahoo.com/20052008/389/joint-finances-don-t-dumped-debt.html
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I seem to be up the creak- any advice?
My situation is that I am a first year Social Work Student currently doing a full time unpaid placement. I pay full tuition fees (£3025 a year) as I have already spent 3 years on another undergraduate course (but I did not finish due to illness). My current income is £750 per month- that is my full student loan and a…
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Address for Mbna and Capital one Please!!!
Hello everyone, does anyone know the addresses to write to for MBNA and Capital One when sending a letter advising of DMP underway with Payplan and paying a nominal fee, I get my bills emailed to me and there are no contact adreeses listed on either. I have also searched on Google but gives lots of different addesses but…
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Hiya - Newbie here!
Hi everyone, I'm fairly new to this site and there's so much useful information but I was hoping to get some feedback from others in the same situation... My partner, he is in debt of approx £6250 and is looking for the most effective way to get himself out of it. I have been working out that it will take between 1.5 and…
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Advice needed urgently...
Hi there. I have a big debt with Lloyds TSB, who have passed it on to solicitors, who couldnt get anything from me, then a DCA who couldnt either, then finally another DCA, who are days away from registering a CCJ with me. Its £3500 apprpx. I have just spoke to them and tried to organise a payment plan but have told me no,…
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Powergen
I have had a bailiff call me on behalf of powergen chasing payment for electricity used where my ex-husband lives. I left in November 2005 but unfortunately I am unable to take my name off the tenency as there is £400 arrears on rent. What other way can I prove that I have not lived there since November 2005? Please help!!
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My SOA, any comments would be appreciated!
Hello its been a while since i posted as i had my lightbulb moment but it burnt out and now its shining again! My SOA Lloyds £5145 @ 6.4% paying £156pcm MBNA £2768 @ 24.9% paying £50pcm AMEX £273 @ 17% just submitted payment to clear! I have £1600 saved so im going to take that of the MBNA but im still not sure what to do…
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Help!!!!!!
Hi everyone, I've been trailing through these threads and would like any advice on my own circumstances. We currently owe £48970 on unsecured loans/credit cards to different creditors, we've just hit rock bottom. Since having my two children we have basically been living on credit! We recently wanted to consolodate with…
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Just won the lottery.....
:rolleyes:Shame it was a scam.....apparently I had won over 4million. The email looked to be from the lottery by the address but had to reply to [EMAIL="carolsmith123@officals"]carolsmith123@officals[/EMAIL] something or other. Spoke to someone from the lottery and they confirmed there have been a lot of these…
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Bankruptcy Petition received - please help
Hello, I really hope you can help me, I have been a lurker on these forums for ages but now I could really do with some advice. I have received a bankruptcy petition at my local court in just over a months time. I had been getting letters from the dca who bought the debt from rbs, its for just over 3000. I just want to…
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Is it worth working while in debt? Need advice please
I'm new to this forum so apologies if I've put this in the wrong place or if its been covered already but I can't find any information about it. My question is, what happens regarding reduced debts when your income increases? I currently have £13,000 debt on credit cards and loans. I have an appointment with a CAB advisor…
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Challenge for June - No Unnecessary spending for June
This was done last year, I know there is a long running one but this is just for a month. Last year quite a few did it and saved quite a bit of money. Here's the thread if anyone is interested http://forums.moneysavingexpert.com/showthread.html?t=408470 Let me know if you want to join in too. Tigz x
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First Posting Advice Most Welcome
Hi Guys, This has taken me some time to get the courage to both post my situation and my details. Guess I'm a very private person, which is probably why I now find myself in this situation, always been too embarassed to seek help or advice. After spending several days reading other threads, it's helped me to realise I need…
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Help with a letter please....
After going bankrupt my joint overdrafts with Hubby have been passed to DCA. I have been contacted by Debt managemenet and recovery services. I expected it to be passed to a dca so when we got the first letter I responded and offered token payments. I recived the standard please call us letter. However I have just recived…
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Problems with not meeting reduced payments and dealing with MBNA
ON MY PREVIOUS THREAD I explained how due to serious illness of my daughter my income has been reduced and I cannot meet the monthly payments I have set up with the cc companies. I am wondering what you think of this email.MBNA HAVE STARTED TO EMAIL ME and due to hasstle I forwarded them a payment for £20.Previous to that…
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I'm £560 in debt to the bank, and at 21 I have debt collectors after me. Help!
Its a long story, but here it goes. Around 2 years ago I had a current account with the Bank of Scotland. I had never had an overdraft before but it got to a point in where I had absolutely no money, so I opted for a relatively small one at £350 to help me out. I thought I'd be able to pay this off in no time as I had a…
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Help !!! 2 Weeks Before Court Now Cca Arrives
Hi there everyone I have been having a battle with Weightmans LLP (HFC) for approx. 1 year now. To cut a long story short I requested a copy of the CCA and statement of account approx. 9 months ago and never received it. They issued court proceedings against me earlier this year, which I am defending as there is no CCA.…
