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Over £10k on credit cards and others
I have at least £10k on various credit cards and another £2-3k from various small loans and overdrafts. Being on the edge of lossing my current job made me realise that I need to do something quick. What would be the best option to consolidate it? I was wondering if I can borrow a bit more under my mortgage. After all most…
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IVA or DMP
I owe nearly 20,000 I have 2 creditors My spare income, after rent, utilities and food, according to CCCs is 109.00 a month... according to debt free direst 204.00 a month. I am on the verge of an IVA, because as far as I see it, I have no assetts and it will be done and dusted after 5 years. But people seem to be trying…
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what happens next?
ok have sent the CCCA letter today with postal order of £1 - now i KNOW they havent got a signed credit agreement so after the 12 days have passed, do i contact them again? what do i say? thanks!
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Littlewoods template letter
Anyone know where i can get a template letter to send to Littlewoods regarding my original credit agreement.I dont think i've ever signed one and i'm currently getting hassel off NDR.
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I know they are here, but I cant find them .... CCA request
As stated, I want the links for the CCA request. Marbles have royally ticked me off and have refused to do anything to help me, pointing to their T&Cs, which apparently, just about say "we can do what we like" I know its unlikely with most, but before anyone gives me a hard time, I am not trying to avoid debt, just gain…
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Anyone want to go halfers on an ark?
Never seen so much rain. Dreading what damage its doing to the roof - would be completely stuffed if there was an issue. Thank goodness I live at the top of a hill...my heart going out to anyone getting flooded at the moment!!!! I think we should all run away on a boat!!
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Help/Advice Needed
Hi, new to the site and in nee dof help/advice regarding my seemingly spiralling debts.. Firstly my SOA balance sheet: IncomeAmount(£)Monthly income after tax2400Partners monthly income0Benefits0Other income0Total monthly income2400 ExpensesAmount(£)Mortgage610Secured loan payments0Rent0Management charge (leasehold…
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Walking possession order - advice please
Hello I have a friend who is in abit of a state regarding non-payment of council tax. The debt was passed onto a collection agency and he made an arrangement to pay £89 per month. He has since been made unemployed and has not been able to keep up with payments. He received a letter today from a bailiff saying they will…
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Girlfriends secret debt
I found out yesterday that my girfriend has been hiding debt from me. :mad: I have started to take action and on her behalf and would like any advice or reassurance that I'm doing right. She has a £4000 credit card, £200 store card, £3000 bank loan through HSBC and is £400 over her overdraft limit with HSBC and is being…
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Really nasty debt letters
I am disabled, lost a lot of disability benefits ( long Story) and have ended up in debt. I contacted the CCRS consumer debt agency, and was reffered to a debt management plan. They have contacted all my creditors, everyone has agreed an amount and I am paying back so much a month. To be honest quite a lot of my benefits.…
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Urgent Advice Needed
Hi All, Been reading the forums for sometime now - but first time posting. I, like many, am currently fighting my way through credit card debt. I have an Egg account which I was struggling to keep up with the payments of £106. per month. My last payment made was in June. I contacted Egg and explained my position and that I…
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Bank Charges
Hi, Am in the process of being set up on a DMP and my partner on an IVA and I wondered if you can re-claim bank charges while on these. Every month over £200 is being added in charges and at the moment we are paying £50 per month. Just seems like there is no way out from this mess!! Thanks, Pinky
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Walking possession order
Hello I have a friend who is in abit of a state regarding non-payment of council tax. The debt was passed onto a collection agency and he made an arrangement to pay £89 per month. He has since been made unemployed and has not been able to keep up with payments. He received a letter today from a bailiff saying they will…
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A few questions from a DFW
1. Will someone please answer my Welcome Finance Question on the Reclaiming Forum!?! 2. What time does that E-Mail normally come out on the Wednesday? 3. Will you all Paypal me £1.....186 viewing at the moment, more later. :-) No? Damn!
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Need advice re CCJ
Last year I had a very minor collision in my car. Swapped details with the other driver (company car) and informed my insurance company. I admitted fault as I hit a patch of black ice and used the other vehicle to bring myself to a 'controlled stop'. Only damage to the other vehicle was minor scratching to the bumper.…
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Don't know what to do
Ok....I really really don't know what to do with my situation and am hoping you guys can give me some advice please? Brief overview of my situation: Student midwife, qualify Oct 09, first pay Nov 09. Before I started the course I had 2 credit cards pretty much clear. Then I was stupid and now have £2771 on one and £2415 on…
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Cca Requests
Hi all, can some one please advise what excactly a CCA request is. I have heard you can ask your credit card company to produce one and if they can not you have a chance of getting your debt wiped is this true
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Wish me luck
can't belive whats been happening with my mortgage they tried to take out too much money out of my account (I am not or was not in arrears) As I did not have the £1500 extra in my account that they were asking for my bank account charged me but when I told the mortgage company what had happened they represented for the…
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Harrassment from EOS Solutions
A bit of advice please, if anyone can provide it. For about 10 days on the trot 6 months ago, the same 3 months ago, and everyday for the past fortnight, I have been plagued with unwanted calls from a debt collection company, I have gleaned from them to be, EOS Solutions. They appear to have gotten hold of my mobile…
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What Supermarket "Value" items wouldn't you buy???
We're just about ready to do another shop and in true DFW styleee I'm going to buy as many of the value products as I can. I usually only buy value chopped tomatoes and sweetcorn usually sticking to Supermarket own brand or branded but I'm hoping to be a convert! Has anybody got any advice what to avoid? I personally think…
