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Trace confirmation for debt thats not mine
I received a letter today from SRJ Debt Recoveries saying that their client Carphone Warehouse Direct has tried to contact me on numerous occasions to make payment on an outstanding debt (over £600), I have failed to respond or make payment so they have found it necessary to trace for confirmation of my current residence.…
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Urgent Help Needed !!!! *******
hi everyone really hope you can help, as feel I am at the end of the road with this situation. A few years ago I was in a very violent relationship and I owed a house with my partner at the time - I left and was kept in witness protection until we resolved the matter. My ex was sent to prison and the house was repossed by…
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First time poster - looking for advice
Hi everyone, I've been an avid reader for the last few months or so since I've really tried taking control of my money (something I used to be a bit careless with). Im in approximately 20k worth of unsecured debt (10k loan, 9k loan & 1k credit card) at 21 years of age. I'm in a good career and well paid position for my age…
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credit rating advice
how long does a missed payment stay on your record for now? Also how long does a credit search stay on ur record now? The company lowell put on my account in feb this year that i had a defualt but in the section above it says it has been satisfed. How can i go about changing that?
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Desperate measures: Good or Bad idea??
Please don't shoot me down on this, my head is all over the place. here goes: I have a car on finance which is classed as a secured loan, I have enough credit between 2 credit cards to pay that off to convert it to unsecured. Obviously from previous posts etc I am currently in the process of contemplating a DMP (which I…
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Should I?
Hello everyone, I am in quite a serious amt of debt, which I cannot see me clearing with interest charges etc. I have depleted savings just by paying off payments etc, and dont know what to do.... My parents have a very dim view of debt, and if im honest i have nothing to show for my debt, apart from good nights out and…
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pap/moozies weekly challenge ~ w/c 22nd june
Welcome all... I hope you have had a great week and kept it low... and are you ready to be turned red/green? Everyone can join, just post a target in keeping with you/your debts/your spends, don’t worry about everyone else’s budgets. Then each day post on the daily spends thread and add them all up ready to post the…
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Problems with CCCS
I have been in a DMP with CCCS for around 18 months now. I was contacted by them 2 months ago saying i need to increase my payments. I told them that I was earning no more and agreed to cancel my sky subscription to free up an extra £20 a month. I was told that this wasn't enough and was forced to reduce my food bill,…
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Problems with CCCS
I have been in a DMP with CCCS for around 18 months now. I was contacted by them 2 months ago saying i need to increase my payments. I told them that I was earning no more and agreed to cancel my sky subscription to free up an extra £20 a month. I was told that this wasn't enough and was forced to reduce my food bill,…
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which is better?
i have a couple of debts and a overdraft of 1000 which i pay interest on,figure it will take me 3 years or more to pay it off as thats all i can afford,is it ever a good idea to take a loan to pay it off and credit wise is it better to have one loan rather than 4 seperate debts?
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It's all come to a head
I originally posted this in the credit card board but the guys over there told me this is were all the gurus are so here gose: Hi guys, im new to the forum so take it easy. I CAN'T MANAGE MY FINANCES there i admitted it for the first time instead of pretending every think is ok. I did not know were i should have posted…
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Newbie needing advice
Hi everyone - hope some one can help My partner is in ALOT of debt. Currently its at 26,000 + and the debt is on loans, credit card, over drafts and a car credit. He no longer has the car and sent it back to the company (silly boy) however, im trying to kick him up the bum about sorting this out. The companys are asking…
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SOA: Are there any options?
Dear All, This isn't for me personally but for a very close friend who has asked me to look over her financial situation for her which she has neglected over the last 3 years, her current SOA is below: (All income/outgoings have been worked out on a weekly basis) Income: Work - 22 hours per week (variable) - £110 Other -…
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Dmp/iva
I have been looking to go into either an IVA or DMP . I have approx £16K in debt to credit cards and have a mortgage on the house. I have not defaulted on any of the payments and have all four cards on low interest rate/nil percent but just fed up with juggling them all about. IfI do a DMP do you have to pay the full…
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Soa
Hi everyone, I was just about to post on here about getting some recommendations for a Independent financial advisor but then saw someones message about SOA. I was wondering if I posted mine on her if you could help me? My debt seems to be spiraling out of control and I know it's time to face up to this fact. Thanks in…
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on a dmp want to offer full and finals
hiya just a quick bit of advice on a dmp for just over 12 months my parents have offered me some money so i am going to offer f&f to all of my creditors they are Buchanan clarke wells 2 debts £8000 & £2000 cl finance passed from HSBC £13000 Mint £1900 Tesco Credit Card £2300 Cahoot £4000 I am going to write and offer them…
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pap/moozies what have you spent sun 22nd june
Afternoon all. Hope you are all having a lovely afternoon and enjoying the sunshine. If you have been anywhere what have you spent? If you are going somewhere what do you plan to spend? Remember try and keep it low :D Take care all :A
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linked addressed advice please
Hello love MSE's! Ok I have a query which I am sure one of you knowledgeable lot will know. I moved house a few months back, but before I notified my bank(NAtwest) I received a letter saying that I had changed addresses. I rang them numerous times and they put the address right for me but never gave any explanation as to…
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Friends Stopping Me Save
Hi This is my first post but I've been following the forums for a motnh or so now! so Hello! Does anyone else find that when they are trying to save and not going out there friends seem on a mission to stop them? I frequently seem to be getting called tight and miserable, and no matter how much i explain i dont want to be…
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Halifax Withdrawing Overdrafts?
Word of warning and wondering if anyone else has experienced this On thursday I had a call from halifax stating that my overdraft had come up for review and was being removed from my account. Thank goodness my OD was only £120 or i would've well and truly been up the spout. I've had an OD ever since i opened the account…
