-
Just wanted to say Thank you...
Hi there, I haven’t really started many threads on this forum, but have often gleamed through the site for useful information and snippets on dealing with debt. Today, I accompanied my mother to the courts as Shoosmiths (acting for RBS) had already successfully got a CCJ and had issued a redetermination order. Arrived in…
-
Intro
Hi guys and girls sorry if iv missed an intro page. I will post my soa for critique asap. I really need support and demotivation to save me from more years of fooling myself. But first: hello
-
My diary to get back on track
please delete?
-
Earning money online
Ok another post of mine got removed so I am going to try a different approach. I have read a few posts now about all sorts of ways of making money on line. This is either by getting vouchers or filling in surveys etc etc. I have a slight snag that I the surveys I pick are either long winded or the vouchers need to have…
-
hsbc passed on my debt?
ive just found out hsbc passed on my debt to another company for reasons i wont go into but the short of it is i missed payments due to my situation. i spoke to the company and said that i could not afford the full payment they demanded as it £9000. the man on the phone just demanded i pay in full and they would not accept…
-
Where do I stand with my bank me debit card payments for loan? Any advice?
Hi there, Me and hubby have sought advice from citizens advice regarding our terrible financial situation. We are following their advice and will be going down the repossession route. We're currently at the stage of not paying anything secured on the property, with the intention of saving this to pay for the rent when we…
-
Got a job!!! Now what is the best way to reduce my overdraft?
Been unemployed for the last three months, and my insurance was just about to kick in and I have got a job! £10k less than what I was earning, but it is a job! I now have a £4k overdraft and would love your advice on how would be the best way to get rid of it, loan or credit card? Dont know enough about the credit card…
-
Cedit Building Plans
I only know of 1 such plan, which is the creditbuilder by cashplus, is there any other plans similar to this?
-
Best ways to boost credit score???
Can anybody help me as my credit score is low!
-
Getting rid of CCJ'S and DEFAULTS
What are the chances of getting these removed off my credit file???
-
Repairing Credit Rating?
Hey, (and as per a prev thread on bank accounts) I've pretty much had a shocking credit record since I was about 19...in the end by 22 I had no bank account, couldn't get a contract phone never mind anything else. Now I've pretty much avoided applying for anything at all until now. I've moved into my own flat (privately)…
-
CCJ's showing up with other checks and not eqifax
Hi All, I'm really hoping someone can shed some light on this for me. I recently applied to rent a property where my prospctive letting agent did a credit check on me. It came back that I had 2 CCJ'S totaling around the 4k mark. Now this is where it gets odd - I signed up to Experian/Equifax and it says I have 1 ccj (It…
-
HELP rubbish credit rating need business account
OK so our debt is coming down fast was 23k at worst (when I found here lol) now under 4k and mortgage now repayment so coming down as well all good. (23k not at my joining date lurked for about 18months) Hubby is in IT and has for a long time wanted to go onto contract work as the pay is much better (2-3 times as much) and…
-
Please help me manage my debt!
Hi everyone, I'm a new poster however have been using the Money Saving Expert site for a while but only recently discovered how great the forums are! I am wondering if anyone would be able to offer me some advice. I am currently in debt and feel like I have no control over it. I have never talked to anyone about my debts…
-
Increasing overdraft limit without permission
Has anyone else had this problem with their bank? It has happened to me twice now - once with Barclays and once with Natwest. As I have gone slightly over my overdraft my bank has increased my limit without obtaining my permission and actually without my knowledge! My limit has increased over time with me not thinking much…
-
DCA has returned request for CCA
I need some advice please, I have a debt with LLoyds which is £24k which I suspect includes PPI, Bank charges etc but it was for a loan. They passed the Debt to debt Managers and I requested a CCA at the same time I sent a letter of complaint to Lloyds which incidentally is now 60days overdue for a final response and Debt…
-
New Here - And Want to be Debt Free
Hi, This is my first post here, feeling a little overwhelmed by the wealth of information on here and the feeling of mutual support everyone seems to give. Anyway bit about me - I'm still right side of 40 (just) and live with my wife and 3 kids (all primary school age) in the midlands. My mortgage is fine (well I say fine…
-
Close Credit Management
I have an IVA in which a motorbike on finance is included. This IVA was passed in Jan 08. Blackhorse have passed the finance amount to this company (illegally in my view) even though they voted in favor of the IVA and i havent missed a payment. They keep hasseling me via letter, and i called them last week to adv them to…
-
CCCS/Payplan, where to start with bank accounts help please
Hi I've been in contact with CCCS and payplan about my debts, payplan are calling me back Friday and CCCS have already sent me inofrmation about my DMP in the post so I guesss i'm going to go with CCCS as they appear to be quicker. One of my creditors is my bank (big overdraft maxed out), CCCS say they work with this bank…
-
Single budgets
Hey Wonder if you can help i was just wondering how much you singletons budget for food shopping and going out, i was trying not to go out and put the money away which was fine when there was two of us but unfortunatley its just me now and i'm worried i'll never get back out there at this rate :cry:
