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Are creditors allowed to ask this question
Hi, This afternoon I got one of my creditors to accept a Full and Final Settlement after about 6 months or wrangling and re-wording paperwork.:D Thanks to everyone who helped me through this with your wonderful words of wisdom and expert knowledge. ;) However later on in the letter they asked this question "please may we…
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Mortgage arrears
Hi all, Apologies if this is the wrong board. I haven't worked as much over the last few weeks as my dad has dementia and I have been looking after him. I am self employed so I am feeling the pinch. I will be employing someone in the next few weeks once I get my sister to take some time off while I sort things out with the…
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Woohooooo!!!
Just updated my spreadheet and debt is below £14,000!! OOO it looks good!!! I cant stop staring at it! I also found out I got the Sunday job I went for so can give up my early morning cleaning job!! Woo hooo so chuffed!! :j
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Frazzmunch Fights Back!!
Ooh, sounds scary!!:D :eek: I have failed miserably on my last quest to pay off my 1k cc in twelve weeks...(see thread http://forums.moneysavingexpert.com/showthread.html?t=931645 ), due to a combination of factors...mainly my car needing a major amount of work over £400, my dh MOT costing over £300, my 40th birthday, my…
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++MSE Community pls help me++ CCJ Advice needed, pls look :)
Hello everyone :rotfl: I’m a long-time visitor to this excellent site and I have been eagerly reading Martin’s emails each week for a number of years now. I have never posted on this forum before, but I have often read it. Something has come up recently and I could really do with some feedback and advice from the community…
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Facing the wobbly financial house of cards
Hi, I'm not utterly new to the boards, having been living with uncomfortably large debts for a while, but my wobbly financial house of cards nearly came crashing down this month, so I've got all the statements out, started updating the spreadsheets, and have finally sorted my soa out to post and ask for help! The debts…
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Can we stall the start date of a new 0% CC?
Hi everyone, I was wondering if anyone had any experience of this? DH has just applied for and been accepted for a 0% 15 months Virgin CC, this is great because they allow 'super balance transfers' e.g. cash transfers at 0%, so we are going to move a big chunk of our scary huge OD onto the 0% card. The trouble is we can't…
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J2 Solutions 19 Yr old debt
Hi Guys, I am new to this forum and would like some advice on the following dilemma. We received a letter yesterday addressed 'to the occupier', we opened it and it was from a company called J2 Solutions asking whether we knew the whereabouts of my husband (although they had spelt his 1st and 2nd name wrong). My husband…
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SEPTEMBER make £10 a day challenge
:wave: Batgirl started this challenge over a year ago and is now taking a well deserved break, mizmir and I have alternated with it for the past few months - my turn to start the thread for September, but mizmir is also acting as thread monitor - so you can pm either of us with questions (or just post them here). If you're…
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London Living Costs
I don't know where to put this post, so mods please move if necessary, but thought I would start here as I know it is a popular thread. My DS23 left uni last year and is working away from home in Gloucestershire, his GF just finished uni in June, and comes from London, and the career she is following needs her to be in…
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CABOT Financial Services
Hi All, hope someone can help me... I have recently changed my mortgage provider but I had a LOT of problems in doing so because my credit file looks bad, I had a credit card with Monument some time back and all of a sudden I stopped getting statements from them, when I made contact with them they couldn't find my account…
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Does a debt management plan affect remortgage rates?
Having thought we had £25000 debt I have just found out my husband has run up another £15000. I am devastated. :confused: Now with £40000 I have contacted CCCS and am hoping to go onto a DMP. Does anyone know if this is likely to affect remortgage offers? One of our 2 mortgages (on the same property) fixed terms is up next…
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MBNA - Not sure whether to accept
Hi All, Sorry for being out of touch of late, computer crashed and have had to borrow one in the meantime. I have today received a letter from MBNA and I desperately need your advice. I have made a Full and Final offer which they are prepared to accept but on the only understanding it is a Partial Settlement. I have…
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Gettng my debt sorted
Hiya, Im new to this site, discovered it at the begining of the holidays whilst house sitting, but now have the internet at home :cool: Reading this site made me realise that I have to stop spending and get serious about clearing my debt. I have just landed a full time job, first one in 6 years since the birth of my son so…
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What do I do now. CCA dvice needed
Hello everyone, I have been using some of the CCA template letters to request that Abbey supplies me with a copy of the credit agreement for a credit card, I had sent the second letter sent recorded delivery and a letter came yesterday from one of their compliance officers. The letter states ( qt ' we enclose a copy of the…
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Advice Needed
First post and I need help. I live with my partner and our 2 kids. Our finances are in a mess - mine slightly better than his but not by much. I only keep my head above water if I get up at 6am each morning and check every detail and see if I can move any of my debt somewhere cheaper and have alerts all over the place.…
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Help! Loan advice needed
Can anyone help me. My partner's and mine financial situation is getting out of control, and we want to get a loan to consolidate all our debt. We need to get a £25000 loan and we know that we will have to get a secured loan, but we have tried a couple companies and we have been refused. Can anyone suggest a company that…
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PPI where & How please?
Morning! Just realised I have loans that might have PPI's okay okay yes i said "might" my ability of keeping track of my finances is what got me here :whistle: I can't find any threads explaining it all and how to do it - where do i go pleeeeeeaaaaaaaseeeeeeeee Thanks!
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Budget setting
Hello hello. How do you set your budgets? I've written myself a financial plan for the next 18 months, and I'm trying to set realisitic budgets, but i just don't know on some things. How much do you set per person per month on clothes? Hairdresssing? I just have no idea. And, do you have a line for…
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cca, what now?
Received this letter today as 12(+2) + 30 is now up. "We write further to your recent letter received in our office dated 14th august 2008, we have noted your comments. Further to your recent request for a copy of your credit agreement, we unfortunately have been unable to obtain a copy to provide to you. We hope that this…
