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To Consolidate or Not to Consolidate?
Hello, This post is partly a request for some advice and partly to help me get clear about where we are at the moment! My wife and I have run up a fair bit of debt, most of which is on (5) credit cards and we're trying to establish the best way of attacking it. A couple of the cards have recently increased their interest…
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Advice please!!
Hi everyone. I need to speak to my boyfriend about the amount of debt I am in - approx £11,000. Looking for advice on how to approach this subject as I hate talking about it!!
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Meritforce - Creation_Finance
Please help me!! We received letter thim morning from Meritforce (Doorstop Collection Agency) advising us that they have been instructed from Creation_Finance to collect a large amount of money on their behalf. The letter states an authorised collector will make a visit to our home within next 10 days should we fail to…
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Balance Transfers and Overdrafts
Although I have posted a couple of times I am new here, and not exactly sure if this is best suited here or on the Credit Card Forum, but pretty sure someone will inform me soon enough. Basically, I owe about £1,000 on an overdraft which I am currently paying back at £100 a month. However, my credit card company have…
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iva and mortgage shortfall
advice no longer needed thank you.
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New poster with a question
Hi, new here, will go into my circumstances in detail another time, but right now I have a pressing issue that I need to address. I was paying a company a small amount per month on two debts of approximately equal value, on an agreed plan. It appears that company has sold the debt on, and the payments were transferred to…
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What do I do next?
I have an unsecured personal loan with a highstreet bank that I am unable to meet the repayments for. Currently my only source of income is JSA. I have contacted the CCCS and they provided me with a budget sheet which I have sent to the bank in question and they have rejected my offer. The CCCS say they can not make an…
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Phoenix recovery UK Ltd ???
has anyone ever heard of these ? ive got a debt with them but cant find their address, ive looked on the internet, in the phone book and nothing Does anyone know their address ??
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Who's phone number is this?
I got a call on my mobile this morning, I wasn't sure who it was so I didn't answer. They did not leave a message on my mobile. When I tried to call back to find out who it was, I got a message telling me they do not receive incoming calls. I've googled the number, but nothing comes up. Anyone recognise 01803 209 720 at…
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huge debts, fear of bankruptcy
advice no longer needed. Thanks.
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5 days trying to contact child benefit office
hope someone can help me. I have just started a dmp and changed my bank account. I changed my bank details for my child benefit to be paid into on thursday morning I have been trying to contact the cb office since thursday to confirm this change they are open 8-8 7days I have been on phone about 100 times since and only…
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Please help.
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09:13 and no daily chat thread? 23rd September
Morning All!! Feeling chipper today as have been swimming today before work, thanks to mum for taking erin to school... 32 lengths this time, which is half a mile!! Very chuffed with myself, hair looks like shiite again though, this is a real drawback about this swimming before work malarky...... i considered posting…
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£80 per week thread
Okay, this is very extreme, but I have decided that the OH and I are going to spend the bare minimum for the next three months. Budget of £80 per week, includes the OH's petrol to work ( :eek:) if we can reduce that weekly budget ( thinking we could knock £20 off it once we are in the swing of things ) We are also not…
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Tuesday 23/09/08 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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Churchwood.. what to do??
Hi, first post here :) tho wish it was for a better reason. I've got debts of almost 12,000 2 credit cards, 1 load and an overdraft. Been trying to get a consolidation loan but not having any luck.. through a link on here I filled in a loan form which was supposed to put me in touch with those who could offer me the best…
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Good idea or Stupid and Short Sighted????
Well as some of you know we are in a spot of trouble having run up just short of 50K in unsecured debt. Anyway we applied for an IVA and it failed(insufficent votes at meeting) in hindsight maybe not a bad thing. Anyway then went to Payplan:T and make first payment into our DMP on Oct 1st. DFD August 2018:eek: Looking at…
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moneyworries .co.uk
Has anyone had any experience with a company called moneyworries.co.uk? I have been told by them that they will take over all my loan debts and reduce my monthly outgoings. They deal with all credit card bills and loan statements. Sounds too good to be true. They even told me to change banks and then cancel all direct…
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HELP NEEDED £10k debt!
Hi I was recently self employed running my own business which unfortunately didn't work out and has left me with a lot of debt! I owe aroudn £10k as follows: £2.5k credit cards still active min monthly payments around £200 £2k credit card passed to credit company agreed re-payment £175 a month £3k in bank overdrafts…
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I really need help
Hi. I am new to this board, although my Dad has been talking about it for ages! My problem is that I am in debt and really need help to get out. My current outgoings (excluding bills) come to approx £750 and I only earn about £1,000 (this is a guess as I work abroad and get paid in euros). This is split: Tesco Loan -…
