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Snowball calculation
Hi guys, I have come across this useful site... http://www.whatsthecost.com/snowball.aspx I am on a debt management plan, so how do I fill out this snowball calculation bearing in mind all of my creditors are paid via my dmp? I am somewhat confused :o
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Help - what am I doing wrong?
I have a credit card with £2000 limit, which is maxed out. My salary is pretty good, but at the end of the month I still find myself squeezing the max out of my (£200) overdraft, and every time I manage to put away £20 or £40 into savings, I have to dip into it again by the end of the month. I have a very tight budget…
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I need a bank account quick
Halifax have closed my account because of overdraft problems. I need to find another bank pretty quick. Anyone know who will let me open account without credit checks?
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Paid too much....!
Hi there, Sorry about posting this on DFW board but I feel most comfortable here as a) this is where I lurk most for my inspiration and b) you lot are so nice, I am worried to go elsewhere in case they are mean! Anyway, story is this - after 8 years in a well paid job in London I was made redundant in March this year and…
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Who signed?
I sent a letter to !st Credit by special delivery to a PO Box number. I checked the Post Office website and saw that it was delivered from their Reigate Office, but it doesn't say who signed for it. Can I find this out somewhere, or is the PO site sufficient confirmation of deliver?y
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eeek fixed rate ending, kensington want 9%. help!
hi i am not very good with mortgages but i could do with some help!i have posted this on the mortgage thread too, but wasnt sure if anyone would be able to help here too, or if anyone is or has been in similar position? Kensington have just informed us that our fix rate will now end at he end of Feb 09 instead of the end…
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littlewoods
any one had experience with littlewoods and being in debt with them??? are they willing to cooperate with me while paying their debt off?
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ASking for interest reduction
Hello All, It seems i have my self in a bit of a hole and i am trying to get out of it. I have a few Credit cards with money on, my credit rating is good so i ahve applied to get some interest free ones to help with most of it but i doubt they wil let me interest free all of it. My Question is, If i ask MBNA to reduce the…
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littlewoods repayment
hi all, im just seeing the light at the end of the tunnel. i have got myself in a situation where im having money to spend during the month. ive had too not pay freemans and littlewoods much money. i owe freemans £700 and am in arrears of payment but there fine with it. littlewoods i owe £4000 and am in £1500 arrears. im…
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CCJ Claim advice please
Hi there I received a CC CLaim from Northern Rock a while ago, but it's been on hold cos I wrote to the Cheif Exec of Northern Rock who offered me a Tomlin Order but it then turned out that the terms of that order were that they wanted a Voluntary Charging Order plus the full monthly repayment so we said no. When I…
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Cca?
Hi guys, stupid question I know :o But what is a CCA?
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red debt collection service
hi i am looking for anybody who has had dealing with these bullies we need to stop these people conning innocent people out of their money they need to stop it is very unfair how they harrass and threaten people i am a single mum of four two of which have disabilities and they are claiming that i owe them money for a…
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desperate for help
Can anyone help me please I have huge debts £49000.00 approx I read your posts and notice you all manage to save huge amounts how do you do this? I have joined the cccs so have sorted a DMP, my husband works (does not earn alot) and I am a student with another 2 years to go. I am terrified of answering the phone or door,…
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Bankruptcy and child maintenance???
Hi all, sorry if i have put this in the wrong place but im not sure where is best. Basically to cut a long story short, last night i wrote a letter to my daughters dad requesting he should pay maintenance. He called me straight away to say he is about to declare himself bankrupt so wont be able to pay anything. I know this…
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changes to bailiff right of entry laws?
Hi. Just wondering if there's any concrete info on some brief stuff I've seen around online hinting that next year the laws will change regarding a bailiff's right to enter your property for civil debts (ie: they WILL be able to enter without invite). Anything solid in it or just rumour mill stuff? Thanks in advance
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hfc admin charge
hi i purchased a tv from currys last year and my interest free period is almost up, so i rang hfc bank (the bank that sort out currys finance) to pay off my balance and they told me that there was a £25 admin fee, there is no mention of this in the contract i have nor was i told about it at the time of signing the…
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Are debt collection companies allowed to call your work place?
Hi I got a letter from a company called KPR chasing my overdraft with Nationwide. Two days later (today) they called my work place but luckily I was in a meeting. My work colleague took the call and the messsage and I am both angry and embarrassed that they got my work number and called me there.:mad: Are they allowed to…
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Help Please
Hello I took out a Bank Of Scotland Loan for £20k since ive fallen into serious debt - 40k's worth:eek: Ive gone to the cccs and they have put me on a dmp. When the BOS found out they sent my account straight to blair oliver & scott but the amount rose to £25000k they added 5k's worth of interest!!!!! Ive checked my…
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Full and final offers
Hello Im on a DMP with the cccs and Ive come into a little money £1000 and want to pay some of my debt off on full and final settlements can anyone advise me on what they offer the below? I have £1000 debts BLAIR OLIVER AND SCOTT1199.18 BLAIR, OLIVER & SCOTT 25531.68 HALIFAX PLC1526.96 HALIFAX PLC1515.00 HSBC BANK…
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Halifax account, Lloyds (creditor) takeover
My current bank account, which I set up as a parachute account when things got tricky is with the Halifax. Lloyds are one of my creditors. As Lloyds are taking over the Halifax (HBOS) could they take money from my Halifax account as they are one of my creditors? Does this mean I have to set up another bank account…
