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Two different debts two different problems!
Hi, pretty new to the site and after some help, be it practical or emotional. I have got two problems which are stressing me in different ways!! Problem number 1: After splitting with my wife 18 months ago I have been left with credit card debts of £30k and have been doing my best to reduce them ever since. I have them on…
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Llyods overdraft
LLyods have nicely created me an overdraft in which they add all payments ect i have nt made plus charges, i didnt know about this as my current account statements look normal , i only found out through my dmp when they said llyods had created me this account i have had no paperwork ect for this so dont even know how much…
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Help me!! Should I cut up my credit card?
Ok peeps this board has helped me in the past and I've learned so much!! However went a bit backwards over the last few months. I had cleared all my cards and things were looking up away to start saving etc In the last couple of months I've just gone mad and cc debt back up to £1500. I am not even sure on what, how or…
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Capquest after a CCJ..Any advice pls
New to this board so I'll be as brief as poss. Was paying Capquest £10 a month on a debt that was originally from AMEX. They applied to Northhamptom CC for a CCJ and in my defence I wrote a standard letter asking for... 1. A true copy the executed agreemant etc. 2. All records they hold etc. 3. Any other docs they seek to…
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Token payments
Hi, ive been left with debt from an ex partner and im currently in no position to pay the £112 the cccs have advised me to pay at present, If i made token payments would this be acceptable just for the near future and what would the be the token amounts. Many Thanks Julie.
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Responsible for partners debt?
Any advice would be greatly appreciated as this anxiety is close to sending me to an early grave!! My new partner has recently moved in with me. He has had a period of ill health and lost his job as a result It has now come to light that he is in a lot of debt. House seems to be going through a repossession. Car loan not…
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just after a bit of advice/help
Hi after a little help/advice I've been declared bankrupt and had a long telephone interview with the OR office, and they've sent me Income payment agreement when i spoke to the woman she said i had a surplus of £100 month and they'd take £50 a month, i've since gone back and looked at my budget and realised i hadn't…
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just after a bit of advice/help
Hi after a little help/advice I've been declared bankrupt and had a long telephone interview with the OR office, and they've sent me Income payment agreement when i spoke to the woman she said i had a surplus of £100 month and they'd take £50 a month, i've since gone back and looked at my budget and realised i hadn't…
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dispatches
Anyone watching dispatches on channel4.Its about how the banks never lose.
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"I know, I'll dig my way out...!"
Hi everyone! I'm a new poster here (although I have spent the entire bank holiday weekend reading up pn everyone elses posts, and I have read the articles before), and I've aquired the idea to keep a daily (or at least as often as possible) diary of my financial situation, to remind myself to keep myself, and my…
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How does debt/money saving impact on your life?
How does debt/money saving impact on your life? Positives I am in control can account for and decide upon every penny spent my attitude towards credit and debt has changed completely Negatives Apart from the lovely people on this site I do not know anyone else with debt (although I am not asking and they are not sharing)…
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Google Pro System
I have just received an email saying just complete the form attached and they will send details of the Google Pro System with a chance to make thousands. Before I apply has anyone else looked into this and what did you have to do etc? Is it any good?
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Help with Overpayments with Welcome finance
Evening all I have 2 loans with welcome finance but i want to start making overpayments each month which should help to reduce to interest and length of the loans. I called the local office and the guy seemed very helpful said i could do any of the following 1) pay extra by debit/credit card 2) increase monthly payments…
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Credit Card APR hikes - how to deal?
Just wondering if anyone has any advice for how to deal with credit card APR hikes. Both my ccs have done this to me now Barclaycard and Virgin have increased their APR to extortionate levels - 27.9% and 34.9% - I have 12.5k in total on these cards so I'm not impressed. When Virgin first tried to increase to 34.9% earlier…
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credit crunch
The bank of England and I have a lot in common, my DMP is about 8years, short of a windfall, they say 10 years for theirs. Aims for this year, put one over on at least one of the companies who have harrased me to ill health. my favourite will get an OFT complaint. Sold the house, moving into very nice rented with no more…
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Helllppppppp!!
Hi Everyone, To cut a long story short I am under a DMP with cccs for 46K. I got into a mess when I left my job in the forces and didn't find a new one for 4 months. I have a job now although the wages arent great and can meet my DMP payments OK. I have 3 months mortgage arrears (may be 4 if I dont find 600 quid by Fri) I…
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Complaining when in debt?
My token offer letter included on to my bank to pay off an overdraft - I was in the process of moving banks at the time but hadn't completely finished. I heard nothing for two weeks, and so went into panic mode when my payments were being declined and I couldn't use my card even in branch. I knew I had money left in my…
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Charging order, IVA or DMP
HI, still waiting for RBS to sort themselves out, they have advised that they will go for a ccj forthwith to get a charging order but does anybody think they may accept a IVA or DMP,, don't really want to go down the road of charging order little no equity in property due to falling prices, at the beginning of the yr…
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Desparately worried-this could be the end
As the title says I am in a state. OH and I have very large unsecured debts -over 80k. I have spent most of this year working away, having changed my job to increase the income. As a consequence I am guilty of sticking my head in the sand. Unfortunately now my wife has a ccj against her for around 7k for her hsbc credit…
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please help ccj and charge on property threat
Back in October 2007, I received two separate letters from Phoenix Recoveries informing me that a company called Largo had taken over my debts from HSBC Bank / DG Solicitors. They requested that I pay the full amount immediately totalling £4843.65 (two separate debts of £2938.37 & £1905.28) which was not an option for me,…
