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Student Overdraft Switching HELP!!!!!
Hey, I currently have a student account with the Halifax which is currently up to its limit. I am no longer a student after I left in January and now am in full time employment. Is there a way to change this account over to another bank as the Halifax are continuously adding charges and i feel that I am never going to be…
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Hutchinson 3G Old mobile contract hounding!
Hi, not sure if this post is in the right place, its my first post on here! for the last 5 years I have been receiving debt letters demanding £150 by Hutchinson 3g and various debt company's which my debt was passed onto; This is due to a Mobile phone contract I ended early, via sending back the phone and a letter i wrote,…
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A little lost
Hi all, I only joined today and another member suggest I come in here as it may help me. In a bit of a pickle, took out a consolidation loan a couple of years ago and due to various reasons now have about £10k more on credit cards. I am making the payments ok but would like to earn some extra cash and make a whole in my…
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free credit report
sorry if this is the not the correct thread feel free to move . I thought in the on going struggle to become debt free a free credit report could come in handy, i know experian are doing one at the mo but i came across this one as well as anyone ever used it? www.annualcreditreport.co.uk Please let me know if you have ever…
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help with old debt
hi all,:cool: just found out going to be paid out by me bank in hardship complaint have heard they will take any debt i have with them into consideration first and give me remainder, i am gratefull of the money but worried as i have other more urgent bills i would like to pay can anyone let me know of any experiences they…
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Time barred debts
I have Cabot chaasing a debt pre 2001, I understand that this is time barred as I have not acknowleged the debt or made a payment since then (in the bad old days) Cabot have been in touch recently and I have been advised that this is time barred, as it's over 6 years ago (in fact over 5 years as I am in Scotland). Now my…
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Help on DMP
Just wondered If anyone could help !!!!!:confused: :confused: Just filling all my letters out for my creditors and was wondering what i should put in the box for my comments . Do i explain my situation or just put a one line sentance. Also should I holp back setting my plan till I know my salary is in my new bank account…
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How understanding are GE Money
Hi Guys, need some information please. My sister is currently on a DMP with CCCS (Thanks CCCS, you've been amazing!). She was ina arrears with a secured loan that she had with GE Money and they have arranged to take an additional £67 per month off her to clear the arrears. Quite frankly this is crippling her and I wondered…
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Warning-Your Home May Be at Risk if You Fail to Pay Even On Un-Secured Debts
I don’t know if this has come up on here yet, but changes to the rules on how creditors can obtain a charging order on your property are reported to being introduced next year.…
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I Need Help With A Mackenzie Hall Debt
Hello i really hope someone out there can help me I received a letter from mackenzie hall this morning saying they were attemptng to contact me, but in my maiden name regarding a personal matter and to ring them immediately quoting ref M******* where further information can be provided Not wanting bayliffs at my door i…
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everything will implode now........
What a year I've had as many on here..started my DMP with C.C.C.S.....been managing to pay monthly...then last Jan my OH went off work with depression/bad back, I 've been supporting him and working (overtime aswell) trying to keep things together. I have a son aged 14 and my mother (aged 75) who live with me.......its…
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Debt management
Looks like we have to resort to this as we have around £30k debt, and have tried everything to clear it... you all know the score i'm sure! I have seen some of you mention charity debt management companies where you dont have to pay the monthly fee... i was wondering if someone could please point us in the right direction…
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In debt, on maternity going back to work, need to streamline, please help
Hi there, For one reason and another my husband and I are in loads of debt, previous relationships, mistakes...the usual. Out joint income is £2730 based on me going back to work for 24 hours in january, and including tax credit, child benefit etc. Our outgoings are £2030, leaving £700 per month to live on, petrol and…
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Interest charges on DMP
Hi all, I took out a DMP with CCCS last year (and thanks for the advice and support from all the good people on the board). I have been paying my debts off for a year and all of my creditors have witheld interest, until now. As my review was due with First Direct, I got a call which said I would get a letter as my payments…
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Overdraft worries
Hello everyone, Im mostly a lurker but keen DFW. Ive taken part in challenges and tried to raise money with ebay and quidco. The real problem is I have just finished uni and have been unable to find a job in the current situation, at the moment I am on JSA and while training (unpaid) to be a phlebotomist. My only outgoing…
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Advice on dmp please.
Hi, I am in the process of setting up a dmp with cccs. Can any one tell me if I can put a note in with the photo copied letters and token payments to creditors asking for them to contact me by letter only? I have had a few phone calls at work which is not only embarassing but Im not suposed to have personal phone calls at…
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electric bill help
hi after following advice to switch and cap our electric i have recived a final bill for 268 for 12 weeks in the summer :eek: :eek: :eek: what can i do about this this is a metre reading not an estamate:confused:
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HELP! Lots of debt! Can I keep my house?
Hi, After years of taking on loan after loan to pay the bills and basically robbing Peter to pay Paul, i have found myself with a debt of almost 60k. I am beside myself with worry. I put the house on the market last year as I had equity of 50K with a hope of moving to a smaller house and making my debts more manageable.…
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Robinson & Way....offer!!
Dear all, Back in May I received a demand from RW to pay £3000 on a Debenhams account. I then requested that they send me the CCA & statements of the acount and so far I have never received anything. Today I received a letter from RW offering to reduce the outstanding amount from £3000 to £1500 with a possibility to repay…
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HFO Services - London
Hi all, I was just wondering if anybody had had the misfortune to deal with this company, I have just found out one of my debts has been transfered to them, they have added £400 interest since it left the dca and they are saying they will be adding 1 percent interest every month, I spoke to them last week and they are so…
