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EBAY EMAIL SCAM - Be Careful
I received an email from "ebay" this morning basically saying they tried to take money from my bank account to pay for my invoice and it didnt happen. Title: [TKO] : your (eBay) account could be suspended. From: [EMAIL="aw-confirm@ebay.co.uk"]aw-confirm@ebay.co.uk[/EMAIL] The email looks very good, like an ebay one, and it…
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Please help - DMP or bankruptcy?
Hi guys, I would really appreciate your opinions if possible. I have (to my absolute shame!) over £70k worth of debt, and CCCS have given me the option of a DMP or bankruptcy. The problem with the DMP is that I can only afford £120 per month to throw at it, which is based on my minimum earnings of £850 per month. On top of…
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Daily chat thread 19th June (I couldn't find one!)
Morning guys! How is everyone today? Feeling good here, the sun is shining, I have washing on the line and everything is motivated and positive! Day one of Diet again... :rolleyes: Lets see how well I do this time xx
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Lucy's DFW positive thoughts for 19th June 08
Hi :hello: I was having a big rethink last night as I have been under a large amount of stress recently, and I realised that I think to negatively; which has to stop. But I also imagined that loads of people here get so wrapped up in their problems with debt and everything else that they forget what we have to be grateful…
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Pap/Moozies What have/will you spend Thursday 19th June ?
Good Morning :D Pay day today, haven't worked my money out yet, I've been so busy this week, but should be able to put some in savings. Going food shopping this am, as a bit like Old Mother Hubbards, have got a voucher for £5 off £25 spend in Sainsburys, I've also been sent a few from Tescos £5 off £50, getting a few of…
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Northern Rock Together Mortgage & DMP
Hi all I hope someone can help me as I'm really stressed about all of this. I'm about to start a DMP with CCCS (who have been great). I have a NR Together mortgage and I have not disclosed the unsecure part of the loan on the DMP. I had thought that it was part of the mortgage as it is not seperated (pay single amount), so…
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P45 salary? - Quick Question
Hello all, I have a quick question (please feel free to move the post if this is in the wrong place). I have been offered a new job that pays a lot more than what I'm currently earning (very big relief, I may be able to afford a deposit on a mortgage in five years after all). This problem is, as part of the negotiations, I…
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Thursday 19/06/08 What small dfw things have you done today???
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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Single Mum recently made redundant and about 15k in debt
This is my first time on here and i need help, I am a 23yr old single mother of a 2 yr old. I was recently living a nice life with free childcare a full time job paying me around 22k all in all. I have been made redundant and now realised I am about 15k in debt. i have been on the budget calculator and am overspending by…
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Cca
Is approaching lenders for CCA's something that only those who are having problems with their debts should do? I have spent ages reading through all of the information and there is some great stuff out there. But I cant find the answers to some of my questions. 1 - If you request your CCA does that mean you are…
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CCJ's 6 years from judgement or settlement???
I had a CCJ issued to me on the 21st August 2002 which was settled on the 16th February 2004. Knowing that a CCJ lasts for 6 years, is this from the date the judgement was issued or from when the debt was settled? I have a certificate of Satisfaction but this does not explain when CCJ expires. Can anyone help?
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quick question bout AQA
Just doing my test now and wondered for the questions that are a bit silly such as what colour pants am I wearing?, what do you put as information source? Many thanks.
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Egg Money
Hello, Iv been outta work for a while and fell into arrears. Been keeping in contact with cards, banks etc etc and everyones been pretty noce about it. Iv started a new job and I get paid friday :beer: and iv calculated I should be back on top given a month or two so that would seem to be almost the end of my…
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Token payments - pls help
Hello, Please can you help with any advise on token payments and the other questions. Would be very grateful. We have contacted our credit card & loan companies advising them that we cannot pay (husband lost his job beginning May with no wages due to company going in to receivership) had no money in apart from grand total…
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HSBC Managed Loan + Career Development Loan
Removed thread
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Help! - BOS bad advice, not sure what to do next?
Hello everyone – another newbie here (long time lurker!) hoping for some advice. Sorry it’s a bit long! We have been in a DMP with CCCS since August 2007, our debt at the start was approx £47,000. Bank of Scotland, our 2nd biggest creditor, have been a nightmare from the start :mad: . They initially informed DH that they…
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Global threatening letters
I would really appreciate some advice if possible (constructive please, I am not condoning the non-payment of debt and have paid in other ways for many years now). I have recently received letters from a company called Global Debt Recovery. The first letter states the following; "You have returned mail even though you were…
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question
was wondering if anyone could give a little advice,my oh owes 10k his parents have put 10k into his bank account but he wants to offer a reduced settlement,is there any way that the companies that he owes can delve into his bank account to see how much is in there.none of the creditors are connected to his bank.
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CCA Request timescales
Hi all, Asking a favor here, have sent a CCA letter to a debt collector/moron and am just wondering if they don't respond within 12 working days i can assume they have failed to provide the documents and the debt becomes unenforceable. Is this right? TIA
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Bailiff help - urgent! from a debtfree wannabee!
Hi all, Im new to this forum and really hoping someone out there will be able to help me with my problem. I am a debt free wannabee who is selling house and home to get back 'on track' I just hope this is the right place to ask the following.... A couple of months ago I received a visit from the bailiffs about unpaid…
