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scotcall advise please, was dealing with capquest....
Hi Hoping for some advise please, I was dealing with Capquest for hubbys CC bill. Went through channels for CCA request etc. They sent a photo copy, which did not state interest OR credit limit, and no terms and conditions. The figures quoted for my partners wage are way out. However the date is about right and has hubbys…
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Advice on a DMP
Just logged onto this website for the first time today and it is so heartwarming to find others in the same position as I am. I have debts of £54k (all cc and unsecured loans) and am finally in the position where I simply cannot afford to live anymore. Everything is going up in price and thngs like spending £45 a week on…
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Becoming A Self Employed courier driver
Hi My husband has just been made redundant from his current job. He is looking to start his own courier business. Is there any help or tips anyone could offer to help us? Like for example: What sort of van he needs. How to get contract. What to charge. We need as much info and help as possible. Thanks in advance. Lisa.
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Sainsbury's bank haven't stopped the interest in 4 years!
Hi all and I hope this is in the right place! We contacted the CCCS and went on a DMP in 2004 when my husband was made redundant. Since then all our debts bar 2 have been repaid and the last two are Lloyds (1% interest and balance something like £4,000) and Sainsburys. Sainsburys have never stopped the interest and for the…
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please help, im at my witts end...
i entered into a DMP with CCCS over a year ago...all has been going to plan until about 6 weeks ago..Lloyds TSB decided in their wisdom to take my full loan repayment out of my O/D Lloyds account... making my O/D go back to state it was origanally and then to boot..they removed the agreed O/D limit... ive phoned them to…
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Advice needed on job situation.(Long post, sorry!)
Hi All, I wonder if anyone can give me some good advice on what to do here as I'm in a bit of a quandry. I work as a self-employed cleaner for private houses. Some of my work is through an agency and some from my own advertising. I have one couple (from the agency) I work for who I have been with for nearly four years and…
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Advice re CCJ
Hi all, In a severe panic and need some advice now please. I have been dealing with a collection company with regard to a CCJ I picked up last year. I had an arrangement in place for the payments, but have been struggling to make them, I was facing a choice between my kids eating or paying the installment. My last payment…
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Happytogetdebtfree diary striving for a better way of life!
Hello all, im starting a new diary because i changed my username simply because i was worried somebody may identify me at work and i didnt really want that not that i am ashamed of my debt i just dont like the idea of people knowing me like that (does that make sense) anyway i have done soa's previously and i am fine with…
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Trying to get Debt Free ( asap )
Hi Im new here, and im on a battle with my debt..which I want to be clear of by April next year. I currently owe about £3000, which is a heck of a lot of money, but I am going to do it. My other problem is that my ( sole trader ) business is also in debt ( mainly advertisers ) of about £1500...so I have a huge mountain to…
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Urgent Advice Needed Please
Hi all, Firstly many thanks for taking the time to read this post. I am in desperate need of any legal advice with regards to MBNA. I have been negotiating with a particluar person via email in respect to a Full and Final Settlement. We have been going round in circles, as usual, but today was the final straw and they have…
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Cancelling PPI
Is it irresponsible to cancel PPI on my c/c's and loan if I have income insurance and life insurance. I have been made redundant in the past and am always weary of not being able to pay my bills however I am paying interest on outstanding debts which includes PPI???:confused:
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Ruthbridge
Can Anyone Help Me.ive Recently Received A Letter From Ruthbridge Ltd Demanding £997 Or Court Action Will Be Taken.ive Had No Contact In The Past With Them As I Didn Live At The The Address It Was My Parents House.i Spoke To Thm On The Phone And Offered £20 A Month But They Said They Want All Of It In 7 Days.im Currently…
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what do i do now my offer of £1.00 rejected?
Hi all I'm new here and wanted a quick response to my Q. My OH and I have written to our creditors with an SOA. I owe Littlewoods about £450 they will not accept my offer of £1 per month, what do I do now? carrying on paying them the £1 or stop?. They ring me nearly every day saying I need to pay them £11 a week which with…
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Can Someone Help Me? Who Is Telograms Ltd?
:confused: Hi there, Im new to all this so hopefully im writing in the correct place My dad called me yesterday to say that on thursday a company called 'telograms ltd' ha called him asking for me, well his suspicions were aroused as i have never lived with him and he had only lived at the place he is now for a few months,…
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do MOORCROFT still Exist?????
I have a CCJ with Moorcroft and have been paying using a payment book. My house was repossessed then I ran out of payments slips and have now written to them twice to request a new payment book and have not had ANY response whatsoever. So where does that leave me? I am willing to pay and have requested new payment book but…
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Monday 22/09/08 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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DFW daily Chat 22nd Sept
Oh God Sammys back we better pretend we have all been busy flying:rotfl: Minging Monday - Kitchen and Dining Room Level One Clear and wipe kitchen surfaces Level Two Sweep and mop floors Sort & clean fridge bringing what needs using soon to the front, clean out any spills or grots in there! Wipe dining table.. (clean table…
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Just a rant -
Okay I have been a good boy for 6 months - learned my lesson and trying to put things right. I have got all my expenses in control, had a totally miserable 6 months avoiding spending money except for two weeks hols in this country (Total spend about £700) Now what is really P****g me off is that I can see the light but I…
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My Mum's Money Troubles
Hi, I'm really sorry if I've posted this in the wrong place. I've been sat looking through the forum trying to decide whether to post or not. I'm 22 and live with my mum who is a widow (my dad died in 2003) and my 17 year old sister who has just become a single mum. I'm not in debt myself but my mum is and there just seems…
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will the halifax boot me out
HI All im new on here and not sure if im posting in the right place, in July i had a lump sum iva accepted, i didnt have any debts with the halifax so i was able to keep my current account, i did however have a large debt with a lloyds tsb cc ( besides alot of debt with other banks) my lump sum iva will last approx 3 mnths…
