-
A sad case and her light-bulb moment
Hello all. Long-time lurker, first-time poster... I spent my student years having too much fun with a group of friends who were much better off than me. I graduated with a mountain of debt. I spent eighteen months temping for pennies, and another eighteen months in London on a salary that I later worked out it wasn't…
-
Car Finance + More!!!
Hi everyone its great to find somewhere where hopeuflly i can get some help with my problems. I am another newbie so please bare with me while i try and give a brief description. I am 19 years old and have made the biggest mistake of my life by financing a brand new car. This was done at the end of August Last Year. The…
-
1st credit
I have received a letter from 1st credit saying that I have a debt of £100 that has been assigned to them from the Royal Bank of Scotland. I did not reply to the letter (I have no idea where they got the address from) as the letter has no printed name just a stamped signature. The whole letter just looks like a photocopied…
-
Questions I am afraid to ask CCCS, pls help!
Recently I paid 2,000 cash to a creditor so this amount shows on my statement as a cash withdrawal. Actually it was a former employer who lent me money. I am sure she will be unwilling to provide a receipt if I asked her. She has a loan shark reputation without being actually one. She has no reason to go after me anymore…
-
08445 560 565 - Who Is This Company?
I have received a call from a Company at the number stated tonight and wonder if anyone has a way of searching for the Company name before I call them back! Any help much appreciated. Thanks DF2008
-
Young And Very Stupid!
i got in to soe MAJOR debt when i was 18 and ignored it like an idiot! It has now been passed from NatWest to Wescott credit services and is now a total of £9397. Im a very low earner and dont really know where to start... I pay them £50 a month and they say they wont reduce the debt amount anymore. They made me make a…
-
Quick CCA question
Hi all. Hope we're all having a good evening? I'm just about to take-over running my own DMP from a fee-paying company and have just done my letters sending my first increased payment. I'm not signing the letter in case they don't play ball and I need to do a CCA request, but can my OH sign a joint account cheque so I can…
-
Payplan not paying the creditors
Hi everyone, I am wondering if the situation below has ever happened to any of you. I switched DMP from Harrington Brooks to Payplan last December and have been paying Payplan religiously (direct debit) every month. However, since mid-may I have received 2 letters from 2 different creditors saying that I have failed to…
-
Whats are your thoughts DMP best for me
What do you guys thing is best, i have been cutting down over the last few months but still living on credit heres my lastest SOA Monthly Wage £1,754.48 Monthly Outgoings TV LICENCE QBP1 £ 12.00 Council Tax £ 56.00 Mortgage £ 333.00 House insurance £ 4.70 Contents insurance £ 9.30 SEVERN TRENT WATER £ 18.00 life insurance…
-
DMP Mutual Support Thread (Part 4)
Following on from http://forums.moneysavingexpert.com/showthread.html?p=11767779#post11767779 The old thread was getting extremely large and there have been reports of errors in opening it so here you go a new thread for you to keep on supporting each other;)
-
Court tomorrow - What to expect?
Hi Guys. In 2001 i was approached by HFC bank to take a loan to consolidate some credit. The way they explained it to me, they said it was they who supplied the credit for a PC that i had had from Dixon's some months earlier. They said if i went directly to them it would be cheaper. Well the it turns out i had a loan for…
-
Rossendales help!!! (Bailiff advice!)
I had a bailiff arrive at my door last week, i was not in and was left a letter with a libility order from council tax at a preivious address. I did not even know i had got this. Anyway to cut a lonf story short i rang rossendales and said i would pay £43.00 a week till it would be paid (12 weeks) The lady on the other end…
-
Bournes Debt Solutions
Has anyone ever heard of these guys? Basically the chap said they look at the credit agreements and go through them with a fine tooth comb. I realise I've had a £9000 loan but frankly, with the interest I've already paid more and I've still got £6000! Just curious really :D
-
Some questions on Surveys
Does anyone make money on a monthly basis by doing online surveys? If you do, how much do you make a month and do you have to register as self employed to pay any tax on it like you do with mystery shopping?
-
Aktiv Kapital+ Bank account Debt
Hi, I have posted before about problems with Mackenzie Hall and I seem to have that in hand now thanks for all the help but I know have a different question. I recently recieved the usual threatning letter from a company called Debt Managers acting for Aktiv, I believe, and it relates to a bank acount debt of £350. Last I…
-
advice on my debt :)
hi i hope soa is correct im not very good at these things. please could you help me work out what i am doing or not doing!i was using a payment scheme for the loan, credit card and one catalogue. this was costing £100 per monthi have now cancelled this as it would come out of the bank and then i would be charged by the…
-
advice on my debt :)
hi i hope soa is correct im not very good at these things. please could you help me work out what i am doing or not doing!i was using a payment scheme for the loan, credit card and one catalogue. this was costing £100 per monthi have now cancelled this as it would come out of the bank and then i would be charged by the…
-
Paying Off Debt...
I currently have £6000 that does not need to be paid off urgently (but does need to be paid eventually though!!). My wife and I are moving overseas at the end of this month and will be looking for work. I have a £6300 overdraft on my current account (but will still be charged interest). I also have two investments which…
-
How do I change my user name?
Hey my gorgeous DFW lovelies! :wave: Does anybody know how someone would go about changing their username? I've had a good nose around but I can't find any info. Cheers M'Dears. Love Jacks xxx :D
-
Have any of you met with people being negative about you repaying your debts?
Just as above really?? Most people i tell (family/friends etc.) are very supportive and understand im paying them off quickly - i.e. leaving myself enough for basics (food etc. and 1 treat a month) so that i can breathe a sigh of relief and be debt free for the first time since i started working. And also so i can get…
