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where do i begin
Thanks in advance for all the help on this board, Heres my story any help appreciated :o 4 years ago me and hubby set up business with BIL and his wife property, all was going well buying and selling, then suddenly BIL left his wife for a tart. We had ALL the security for the business put onto us, Had mortgage of £42,000…
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What to do??
Monthly Income Salary £1100 approx Debts & monthly payments Alliance and leicester loan apr around 9% i think £6k @£234.45pm Royal Bank of Scotland Loan 8.9% term £9999k left (around 3/4yrs left) @ £275.99 Black horse finance (CAR) apr 10.9?? 4years left £11k left @ £179.88 Marks and Spencer credit card £4000 at 14.9 min…
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DMP and getting a mortgage
Obviously I wouldn't want to do this today, but I was wondering if I would ever be able to obtain a mortgage with my partner while on a DMP? Even it was just in his name, would he be able to use my "rent" money towards his income?
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Its six months to Christmas eve what are you debt free Xmas plans?
Just looked at my countdown and realised we are halfway there. I checked my spreadsheet for surveys and I have £368.50 towards Christmas but £60 of that is Supermarket stuff and I a few Amazon bits that I will be pinching later this month. How is everyone else planning or going?
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Pap/Moozie's What have/will you spend Tuesday 24th June?
Afternoon everyone :D Couldn't find this thread today - apologies if this is a duplicate. £3 left in budget, have just spent £4 on capri suns for lunchboxes, didn't get the £30 back I was owed today, (person off work) so now -£1 :rolleyes: until I get the £30 back, hopefully tomorrow, if she's back in. It stops me spending…
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Agreement with Credir Card Providers
Hi, Just wanted to know if, instead of going to places like CCCS someone has been in contact with credit card companies if they have been struggling with keeping up with repayments. I am thinking of approaching my credit card companies to ask if they can either stop the interest or suspend my account because i am starting…
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Decreased payments to creditors
I have been with the CCCS for a year now. I've recently had to give up my part-time job due to ill health. I was working from 5.00 am till 8.00 pm and my health had deteriorated dramatically. I contacted the CCCS and they have revised my payments from £600 to £124. I just wondered what hassles I may expect from my…
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Lightbulb
Hi everyone I am new to the forum. I have been a subscriber to the MSE mails for sometime although admittidly have not read many of the emails - may not be in the situation i am if a had paid more attention?! - My lightbulb moment came last week when my storecard was rejected. This was a worry as i had good credit on this…
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HELP Things getting worse.......
HI all looking some advise things seem to be getting worse rather than better. Basically i have been on a DMP with the cccs for about 20 months now paying 4 creditors £5 each. The problem is i have other loans now that i have picked up in the last 20 months. When i decided to go the dmp route i had about £15000 in debt,…
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Its all going pete tong....
New member so please be gentel... It was all going well, wife, 2 kids, both decent jobs. Then we got dropped in it. top and bottom is the childcare we had for free, got pregnant again and could not look after out little one. (they took turns 2 days a week looking after each others little one) both the same age and it was…
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Baines & Ernst DMP
Hi All I have just found these forums and now realise how bad B&E are. I am after a couple of bits of advice. I have been on a DMP for 3 years and my debt is not getting any smaller!:confused: (it is but not at the rate Id like to see it reduce! I want to start paying my debts quicker and dont really know where to start. I…
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My name is BanaMan and I am in debt
Hello and I big thankyou to this site and forum. Without it I would still have my head in the sand. Been ingoring debt for years I've just remortgaged and I didn't think I had debt problem until a "what can you borrow" calculated on a web site said "NO" My mortage is instrest only and the endowment is worth 11k and I have…
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its serious times now!
hi there, basically my husband and i, with a child are living with his parents, as we cant afford to live in a home of our own, well we are soon to move out, but we are struggling with debt, my husband wants to go bankrupt, but they say it cost 400 pound, well if he is not working and is in debt how can he afford 400pound…
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How do I deal with debt collection agency- JCA, East Sussex
Hi The threads I've read about DCA's all appear to deal with bank or CC debts. I have a debt with a building contractor so I'm not sure whether the same rules apply about asking to see letter of assignment and original CCA. so I need your advice. Through a phone call out of the blue, I've discovered my debt has been passed…
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Credit score help
Hey guys not sure if this is the correct section? In feb 2008 my score was 856/1000 and I default payment this wasn't my fault basicly my wages didn't go in and a direct debit to littlewoods didn't come out :( and then my rating took a hit to 594/1000, just worrying abit now when it come time for a credit check when I go…
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Funding/grants question
Hi everyone, I've been lurking on these boards for a couple of weeks now and I think you might all just be the right people to help me. I graduated in 2006 with a chemistry degree, walk right into a job which I like most of the time. However, this is not my passion. My passion is British Sign language. I have completed…
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"Settled" on Credit Report
Hello everyone, I have a question which will take some explaining, so please bear with me! I had an overdraft with Halifax of £500 in 2005. I moved house in August 2005, and sent a letter to them saying that I was moving. I had every intention of paying this off, but Halifax did not register the change of address (for what…
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Removing a default from my credit file
Hi all, I have looked at my credit file through checkmyfile.co.uk and I have a default against my name for a mobile phone I am sure I have paid. I know experians website offers useful addresses to write to in this situation. Is there a way of getting this amended? Thanks Adam
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Bankruptcy?
Hi all, In a nutshell i have cards maxed at 15k,unsec loans of 26k, 6k student loans, and am self employed sole trader with business o/draft of 5k. jobs due to start last wk and take me through to dec are not now happening leaving me with an income of zero at present and work increasingly difficult to come by and at…
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Giving up my home/mortgage - How do I go about it?
I also posted this in the Mortgage section so please forgive the double post. Has anyone taken the action that I am asking about? Some background. My Together mortgage is with Northern Rock and my fixed rate deal came to an end June 1st. Leading up to this I spent several weeks trying to move the mortgage to a new fixed…
