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what have you spent 16th june 2008
afternoon all:hello: mineral water; bran flakes; damage £2.26. hope u all have a great evening :)
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charging order on property somebody help please.
:confused: i guess everyone has a story,well this is as honest as it gets.i developed a debt of 37,500 pounds with a very un-helpfull h.s.b.c i was offered loans to pay loans all the usual stuff,and then i pleaded to them to extend the duration of the condensed loan to reduce payments,as my credit was intact still and…
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Bank account
Thanks to the help and advice from this board during the last 24 month (and CCCS) we are since September last year debt free. :j We initially had to change our bank to Nationwide and accept a cash card. But we have tried twice since Sept last year to ask for a Debit Card but been declined. The building society cant tell us…
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IVA? Need help please, can't sleep.
Hi, I am considering an IVA, have read Martin’s guide so posting my SOA hoping you can advise. We accepted a very low offer on our house (just covering the mortgage) and were ready to move out tomorrow and into rented to save money. Our buyer has just pulled out. Our mortgage payments are due to increase by a further £300…
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Moral Dilemma
Ok I have a moral dilemma, I have sold my business at a personal loss of over £30,000 and I have debts of around £50,000. After the sale I have around £5000. Do I keep this and try to pay of the mortgage for the next few months? Do I try to pay small amounts to all creditors to ease the issue? Or do I not spend any of the…
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Ruthbridge Ltd - paid up now regretting?
Hi, im in dire need fo help and suggestions.. To cut the long story short, my father was basically contacted by Ruthbridge to say he had a debt of about £2000, all of which my father was not aware of and remained adamant that he didnt owe anybody anything, the guy at Ruthbridge said it was credit card bills etc and…
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Think Money Group
Halifax referred me to 'Think' My question is do they charge and if so is it high amounts (upfront) or added to loan? Do they do anything less scary than an IVA? They won't give an answer when they call me. Plus they keep ringing me at work where I can't answer the calls... I would be grateful if someone can give me some…
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Is it all doom and gloom? Urgent Help Please......
Hi, We are a married couple of 37 & 35yrs old. We've been married for nearly 10 years. I work full time. My Wife works part time. We have always kept our finances separate (bank accounts, spending etc). We kind of had an agreement at the start of the marriage where I would pay the mortgage & my Wife would pay bills. This…
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young and had too much fun!
Hello All, I am a twenty year old guy, live in a rented place in the centre of southampton with my girlfriend. I am fortunate in the sense that i have a good job paying well for my age with the ability to progress relatively quickly. I will post my SOA at the bottom but would like to explain first! I earn 25k, my…
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HFO Services - PLEASE HELP!!!
Hi guys, this is my first post ever so be gentle! In a nutshell, I had a Barclaycard around 5 years ago which I owe around circa £800 (my credit limit was £1000) I have received a court summons for £2,200.21 from HFO Services on behalf of Barclaycard. I've never recieved 1 letter from HFO except this one.. Can anyone…
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New job advice!
Hello, I have been lurking here for a while now and although i dont really post, i am working on getting my debts down and things are going ok. One of my aims was to find a new job with better pay, which has finally happened!! yey! :T this means i now have more money to throw at my debts and i can be debt free quicker. Now…
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What would you do?
Hi i'm new here but keen to find the best solution and share my experiences with fellow forum members. My current situation: 6K Loan with Citi Financial 4.5K on 2x Credit Cards 4.5K on an Overdraft No missed payments in 6 yrs (yet) With recent cost of living rises and a long distant journey to and from work i'm really…
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New user, help please!
Hi all This is my first post and from what I've read so far it looks like I've come to the right place, it's great to see how everyone supports each other here. Please bear in mind that I'm a complete debt noob so if you could keep jargon to a minimum that would be great thanks! :D Like most people on here I'm in a bit of…
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Some advice please
Hi all, just wondered if anyone could advise on an old debt originally belonging to Lloyds. The loan was originally £11k and to my knowledge, I have paid it all back. Some months ago, I rec'd a letter from a debt collection agency chasing a balance of about £2.5k. So on the advice of a kind person on here, I cca'd them.…
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deep in debt and husband dosn't know
I feel really desperate and alone at the moment and don't feel i can tell anyone about my problems so thought maybe i would just be able to tell my story on here and see if anybody is going through or has been through the same. I owe a total of £30,700 on an unsecured loan and credit cards. I have been a stay at home mum…
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Just had this letter - Advice Please
Hi, I've just received a letter from Metropolitan Collection Services threatening to issue a Charging Order against my property unless I telephone them to make payment in full. I have already written to HSBC offering a Full and Final Offer and have not received a reply. I've offered 50% of the total debt. Here's the…
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What happens if i cannot pay
Hi i currently have £40000 on unsecured debt, i am now struggling to make the minimum payments, (not missed one yet) i have contacted the lenders to let them know i am struggling and unable to make payments. there response was i have not missed a payment so tough. etc..... what will happen when i don't make the minimum…
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newbie in need of help
Hi to everyone well here goes i'm in debt with 4 credit cards and a bank personal loan summing to the amount of nearly 40,000 pounds. I have been paying minimum paymets on the credit cards for over 4 years now!!! this has taken a toll on my business and i'm looking to close my business and work for somebody else. I'm…
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Need some help/support & advice
Need some help/advise and support if possibkle and probably a kick up the rear end. As some of you golden oldies on here will know ive been on and off with my debt diary - thing is tghings are slipping back to the bad old days and i need some help and advice. We have a lot of outgoings - both on good wages now but they are…
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Your advice and thoughts are needed please...
Hi everyone, I have posted a few times and received lots of support and advice, so thought I would update you on my current thinking and plan. My OH and I have 26K of unsecured debt and have been considering a DMP. We have received our pack from NDL and now have an account number for a new account. Something is stopping us…
