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Big Hugs for Tigtag((((hug))))
:cry: As many of you know, Tig's Mum has recently taken very poorly and sadly passed away today. I'm sure she could use some DFW support for what must be a terribly sad time for her and her family.
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Special Delivery Letter from Glasgow
Can anyone help, we have been left a card from the Postman today saying he tried to deliver a Special Delivery Letter, I tracked the letter online and can see it was posted in Glasgow but that is all, we owe money to Citifinancial after offering them reduced payments which they have refused we have had no contact for a…
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Please Help - I'm worried about the parents-in-law-to-be
We found out today that they owe £20,000 on credit cards. All we know is that they're considering equity release and are having a meeting with their bank on Monday to talk about it. I'm so worried that they will get the hard sell and that it might not be the right decision for them. There's no inheritance chasing going on…
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Has anybody else experienced this?
Hi Had a bad day and bad week in fact so I guess I'm looking to have a bit of a rant.:mad: I'm on a DMP with the CCCS and have been since the beginning of the year but 2 months ago for some reason, they stopped paying one of my creditors. I spoke to them when this first happened and they said they would hold my money in…
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Hello. Newbie needs a little help!
Hi, I was wondering if someone would be able to help me. My husband and I are currently on a DMP with Kensington finance, we pay a total of£200.00 per month of which £164.75 gets paid to our creditors and Kensington get a fee of £35.25. Due to this fee I'm thinking it would be better to do my own DMP. I was just wondering…
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I did it!
Today I am officially debt free! I paid off the last of my personal loan today and I don't even have an over draft any more!!!!! Here's to NEVER going down that road again. In total I've paid off £12,586 in 4 years and it's been a struggle I can tell you. Thanks to all the kind words of support from people on here, as well…
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JULY make £10 a day challenge
:wave: Batgirl started this challenge nearly a year ago and is now taking a well deserved break, as is Mizmir who ran last months challenge so while she's away i'll get things started. If you're new to the challenge here's how it works: The aim of this challenge is to make £10 extra a day everyday for the month. A lot of…
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Repayments - warning for direct debit users
I work for an advice agency. Be aware that, where you use a direct debit, some lenders unilaterally increase your payments and your bank will have to honour them. This can obviously throw out all your careful priority budgeting. If possible, use a Standing Order where you control the amount the bank can pay out for you…
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Losing My Rag!
hi like a few i have been lurking a bit and did join ages ago and dint come on here for a short time and forgot log on details so i re-joined a short time ago - have already asked an odd question but have actioned a few things and wanted ANY advice please -Had dorothy perkins card - GE money - moved and got into a pickle…
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CCA reply NDR/Littlewoods - What now?
Got this response to my cca request from Shop Direct Group, (Littlewoods finance company trading as littlewoods). Dear Miss XXXX (obviously that is my real name, :rotfl: ), Thank you for your recent letter dated 14/06/08, unfortunately we are unable to locate a copy of your executed agreement, but for your information we…
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Settling a CCJ
I have an old CCJ with Anglian Water (long story and basically my fault) but I need to settle it, Rang the court, they said ring Anglian Water, can't get hold of them and have been reading bits about extra costs being added after a CCJ has been iissued. The amount is £661 just want to know how to settle it please? Emma…
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I need help!
Hi everyone. I'm not bad with my money as such, but I'm such a !!!!!! for sticking my head in the sand when I should be sorting things out! I owe my bank (lloyds) £3200 and EGG £1800 making the grand total of £5000. Ironically this is about the amount I claimed back from lloyds last year for bank charges! I have stopped my…
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Best bank for a bankrupt.
Can anyone suggest a Bank that accepts a Bankrupt. I was looking on the net and it seems Nationwide Barclays and the Co-op bank have basic accounts. I am self employed and earn around £2600 a month in consultancy fees + £675 pension. I am not bankrupt as yet but am seriously considering going down that route and need to…
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Debt passed to a DCA
Can this be reversed? I have learned this morning that my Egg loan debt has been passed to an agency. The reason for this is that they have sent me letters to which they claim I have not responded (not true, I have two recorded delivery letters that prove I DID respond). and when I ang them lasst week to check that they…
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NRock Together query
Can anybody help with a query regarding priority of charges on a property: The story: g/f bought house in 2006 with a NRock Together mtg: approx £100,000 plus approx £20,000 unsecured. In 2007 I gave/loaned her £15,000 to set up a new business. We set up a proper 2nd charge on her property to 'protect' my £15k. We have…
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HELP! HFC/Restons going for charging order -now debt assigned to Marlin Financial ??
Hi can anyone advise?? We have a CCJ from HFC Bank/Restons, which was originally an instalment order for £5 per month, HFC/Restpns then went for a redetermination and got a payment forthwith order and Interim Chraging Order. The final Charging Order hearing is july 28th, but in the meantime we have continued to pay the £5…
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Credit Card Transfer problem
Hi, I have an Egg loan and a Barclaycard credit card. The loan has £3600 (@ 7.66%) left and the CC has £5900 (£1650 @ 2.9% and £4250 @ 6.9%) so compaired to some people that isn't too bad... The loan requires £78 a month and the CC requires £135 but it drops a bit each month due to minimum payment being made. Here's the…
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Mbna..debt Sold On!
hi hubby got a letter from mbna saying that they have sold his debt on....but they have never served us with a defalt notice i thought they normally sent you a defalt notice then if you didnt comply then they sent you to a dca thanking you
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Looking At Proceeding With Iva With Cccs
I had a 45 minute telephone appointment with CCCS last week and they have recommended IVA, I have recieved paperwork from them, but unfortunately had to rearrange next telephone appointment for today until next wednesday. I have a fewquestions ready that I want to ask before proceeding, has anyone got any suggestions as to…
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Barclays-am fuming-Why on earth dont they Tell You these things???
I just called up to enquire as to whether I'd eligible for a Barclayloan. I do internet banking and they have a section called 'pre-approved offers' - but i have never had an offer of an OD or loan on there. So I called up and asked why. I was quite surprised at her response.. She said that I had a 'poor account…
