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Help? How long do the defaults last and Cahoot!
Hi All, I'm hoping you might be able to help with a few things! I'm on a DMP with CCCS and have been since October 2005. I've been doing pretty well and with Debts totalling £22K I have paid off just over half. :D But I have just realised that Cahoot had been adding interest that CCCS do not take into account. (raising my…
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How can I continue to pay my creditors!!!
Hi, I have been paying back my creditors through Payplan for 4 years. I have managed this because I have been working and the sum was affordable. I have now retired, a bit earlier than intended for reasons I won't go into and i am managing because I live with mum and her income helps. I am terrified that when she sadly…
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Partial Settlement? - Some advice needed please
Hi All, I have today received a letter from a creditor saying that they will only consider Partial Settlement and NOT F&F as I wanted. I have offered just over 50% of the total debt. They are quoting "Should we reach such an agreement the remaining balance would register as a Partial Settlement with the Credit Ref…
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We are in a mess!!!!!!! Please advise
Hi everyone, Omg what a mess we are in...where do i start. we have been paying all our debts and bills up until i lost one of my jobs and child tax credit cut our payments thus leaving us £90 a week short. we have a mortgage and 2 secured loans on the house plus other loans and credit cards. A few years ago i went to buy a…
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HELP ME ..Boden temptation
I am on the cusp of spending - more than a hundred pounds on a Boden offer. They are lovely ...expensive...children's outfits. I am happy to be frugal but I must..I really want.... to see my children in lovely clothes. I am straining not to press the submit button.... Have I got the money?....not really but I could do some…
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debt help
hi guys, i've read a few threads & picked a few things up, but would be grateful for any advice & help. i've got debts on credit cards/store cards/catalgoues which i am seriously struggling to pay. i split with my partner & since then things have got worse. i havent got a great credit history, mainly because unless a…
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debt while on maternity----HELP
I'm Presently On Maternity Leave Whichis Due To Finish End Of Sept, My Whole Maternity Pay Goes On Paying My Credit Cards And A Loan Off. I Dont Get Family Tax Credit Or Any Benefits Apart From Child Benefit. When I Return Back To Work I Cant Return Back To My Fulltime Day Job As My 4yr Old Is Only In 1/2 Day School And It…
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legal help required i think
Hi all, i have a property worth £160k with a £152k mortgage on it but also a £40k 2nd charge with first plus, if i get into arrears and default on a payment with First Plus, can they repossess the house and is it worth their while bearing in mind how much equity they would get once first charge is paid off. My situation…
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Has anyone converted their mortgage back to int only to help them stick to a budget??
Hi Pretty much as above really? We are currently £300-400 a month short on what we need to live on to cover all min payments etc. If we convert our mortgage back to int only, this covers it. Has anyone else done this? If so what did you do with your life cover? And how long did you do it for? Thanks guys. ;) :confused:
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Debt help needed!!
4 years ago I managed to max my credit cards and overdraft totalling £6500. My wife has also got maxed cards and a loan with barclays totaling upto about £35000. To give you a bit of background I was addicted to gambling and ran up all this debts on both our credit cards. We used the loan to pay them off however I was…
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Best way of paying off debt
Hi I'm new to the forum so please be kind. After years of building up debt irresponsibly, I decided last year to tackle the problem! I have two large loans, but no other outstanding debt, i currently owe around £15k to barclays, paying back £210/month. and £6.8k to A&L paying £200/month. The A&L loan had all its interest…
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How to live on 400 pounds a month
Sorry my pound sign has gone walkabouts. I just cant stop over spending, and feel as if im getting in to a very big hole. i dont even buy anything expensive, just bills and more blinking bills. Any sugestions?:confused:
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Overpay Mortgage or Loan????
Guy's, Here is my situation, I am finally in a situation to start overpaying either my loan or mortgage but don't know which one to do. :confused: I have a Loan with Northern Rock: As of today settlement figure is: £16,219 and a Balance is £18,527 @ a rate of 7.48%, with <4yrs left to pay (No max by lenders on overpay) -…
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Has my partner ruined our future?
Hi, wondered if someone can help, my boyfriend took out a loan a few years ago with welcome finance, it was for £3000 with a stupid interest rate of about 40%, I was unaware that he stopped paying it about a year and a half ago, I knew he was receiving calls which he just wasn’t answering because he didn’t know the number…
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Thames Credit again
Hi. I have spent a while looking through here for exactly what I need to do here. I have been receiving letters from Thames Credit chasing me for a debt of over £2000. I have sent a recorded delivery letter to them asking for the account number and name of the lender which they have replied to today. It still does not tell…
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CCJ Advice Please Help
My mortgage company recently sent me a letter demanding payment for service charge with a CCJ served. I moved out of my address 2 years ago and was on the understanding the sevice charge would be paid from my estate agent fees but as a result of miscommunication the service charge was unpaid. I never received any…
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Quick question about IVA's
Hi, My partner has run up debtson CC's & Loans to the sum of £26k She only works part time and now doesn't have the means to make repayments (she was stupidly using savings which have now dried up). I've only recently found out about this mess, and instead of taking a huge secured loan over 15 zillion years to pay this…
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Help needed to get a loan to pay off credit cards
can anyone help!!!! i currently have 5 or 6 credit cards with large amounts on them and the interest is crippling me to a point were i have missed payments, if i could get a loan i could pay them all off saving me a fortune each month. Because of my late payments and/or the fact im a serving member of the military im…
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ask creditor to write of debt
Can somebody tell me, if there is a way for me to ask a creditor, to write of a debt. I have numerous debts totaling over £20,000, the biggest being, abbey loan, Halifax C/C, Beneficial loan, I have a debt around £400 max on a littlewoods/Barclaycard . What I would like to know is,could i write to Littlewoods or Cabot who…
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case of wrong person
for ages ive been hassled by british gas and debt collection agencies writing to my rented home addess claiming i owe a measly amount £34.98 ive never had a british gas account and they have got the wrong person!!! ive written once or twice before stating i am not this person and to stop hassling me and they wrote back…
