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Receiving letters but don't know why.....
....at our old address (which is my parents) 2 letters have arrived addressed to my H2B....they are "Postagram" Memos which simply say call them, My H2B's parents have also received one. The postagram is a standard memo and says they've been trying to contact him and please can he call..... We googled the company and it is…
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Idiot Spender by name and nature - advice needed!
RAS told me to set up my own thread so here goes... Hi all, I have been surfing the threads for a few days now and have not really known where to begin. However, I will try and detail the main issues. Like my handle says, I am an idiot spender. I inherited some money, then blew it on useless stuff, and then kept going! I…
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My Plan to be Debt Free by 29th June 2010
In June 2010 our mortgage is up for renewal, and if todays market is anything to go by we will be better off clearing ALL our debts before we remortgage. Current situation is: My income basic = £15,500 , which will rise to £17,000 in 6 months and £19,000 in 12 months. So my net take home will rise from £1035 to £1236…
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Is that legal? I got this through my email
[FONT="] [/FONT]I am not sure but it sounds good, i got it through my email. i honstly need an advice I am not advertising anything hence no company name. Would you like to work from home and get paid weekly?[FONT="][/FONT] [FONT="] [/FONT] WHY WE INVITE YOU TO WORK WITH US? The international money transfer tax…
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CCCS - missed several reviews
Hello Can anyone help with CCCS review? We have missed a few and are now having one in two weeks. I will be honest - I have been earning more than I was when I took it on. Do they ask for bank statements to be sent in? Thanks Notsogood
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MERCERS AND OTHER DCAs
I have a number of debts with debt collecting agencies, when asking for a signed copy of my CCA do I send the letter to the DCA or the company I have the original debt with. Also, do DCAs buy the debt off the original company - ie who do I actually owe money to the DCA or the orignal company/bank? Can anyone help please.…
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Please Help Ive Been Registered With Cifas
Please help i have checked my credit file this morning and been registered with cifas from natwest re misuse of my account,i spoke to somebody a few weeks ago and was advised to let the account default as couldnt make payments and then could make arrangements with credit management.i have rung natwest this morn who have…
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Help !
I'm worried sick, Capquest sent me a letter telling me they where going to issue a statutory demand,i got in touch with them and they agreed to monthly payments,i didnt keep up with these(stupid i know) and next thing i know i receive a letter telling me there going to try to bankrupt me and to get intouch straight away, I…
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i just gets worse
ive been getting good advice from this site for months.started DMP with CCCS in May (they have been great), and managed to start paying off debt. i'm a london black cab driver,and got hit by bill after bill last month which had to get paid to carry on trading-had to put the DMP on hold for 2 months,and had a…
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Unauthorised search on my credit file
A debt collection agency did a search 2 months ago on my file. I wrote to them saying the debt no longer as it was for unlawful bank charges which the bank paid up. What can i do about getting these searches removed as they put beside it Debt collection.
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Wednesday 24/09/08 What small dfw things have you done today???
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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**Daily Chat Thread**24th Sept 2008*
Morning all Too tired today to flylady! This cold is begining to get me down now.... Maz, hope the letter hits the spot, I fell asleep last night but have just caught up on the chat. NAGH - the things I need to know cannot be discussed in open forums....not sure I really want to know... Bunny - you are like elusive woman -…
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urgent help needed - lloyds tsb visa
I have a lloyds tsb current account and lloyds tsb visa. Recently, I split from my partner and now live alone with my 2 year old. I have a part time job, tax credits and my allowed benefits. As yet, my partner pays nothing for our daughter as CSA are still processing my claim. The split has left me with some debts to pay…
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Newly motivated debt free diary
Hi all, I posted my first thread on this board a week or so ago when we hit crisis point and realised that our money going out was substantially more than was coming in and could see no way forward. Thanks to some good advice from people here and the lady on the end of the phone at CCCS I have stopped panicking and feel…
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Interim Charging Order
Hi - new to this, so apologies if this is in the wrong place. Can someone help please. Have today received an interim charging order for #2147.00 from MCE Portfolio. Bought a car in 2001, kept up the payments for some time, then had some financial difficulties. Still paid but at a reduced rate, then in June this year I…
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Diy Credit Repair
Hi How Do You Do A Diy Credit Repair? Thanks English
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Debt and Involuntary Bankruptcy
When I was in my 20s I got into a lot of unsecured debt (including one £10,000 loan which I defaulted on). I got threatened with CCJs and Bankruptcy but none of my creditors ever bankrupted me and only one of them, Orange mobile phone, CCJ'd me (for a debt of around £200). In what circumstances does a creditor bankrupt a…
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ccj court fees
hello everyone does anyone know how much it costs a dca to apply for a ccj?
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Remortgaging with major credit card debts
My current fixed rate (5.1%) mortgage runs out in July. The mortgage is in mine and my wife's name. In the past year I have managed to run up £40,000 in credit card debts and loans (that's another story...). The debt has become almost unmanageable but I know if I go for a Debt Managment Plan or an IVA my credit rating will…
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Help Please On Property Equity
Hi There My father in law has been paying our mortgage for us for the last 18 months and also lent us about £20k last year. We had our house on the market and once sold were paying him back all the money, but as the market has dropped badly in our area we are staying put as the estate agents just wiped £70k off the price…
