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SAR request
sent a letter off to buchanen clark & wells asking for documents to be sent to me for a debt to O2 i dispute owing them, giving them the 12 days etc to reply. they replied saying they were not the creditors and so have put the debt on hold andf asked the creditors to forward the documents to me... what should i do..does…
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New SOA
Ok, so I have now gone through the CCCS form on their website with my boyfriend and this is the results. Any thoughts or comments on the way forward? The CCCS recommended a DMP what does everyone think of this? I have done this on a new thread as it is a joint thing between me and the OH and am now (thanks to the advice…
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Two DMP?
Hi there was just wondering if anyone knew the answer to this. My husband and I have various debts, some in his name some in mine. Would we beable to do one DMP or would we have to do two? Also I have a debt from 5 years ago that i pay through a debt collection agency would i have to add that to the new DMP? Didnt know if…
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Student overdraft
I recently received a letter from a debt recovery company stating they have taken over a student overdraft debt I apparently owe to a well known high street lender. I don't remember receiving any correspondence from the lender for nearly 6 years and my basic understanding is that this should render the agreement…
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PPI reclaim on DMP with CCCS
Hi, Sorry if this is on wrong forum I'm looking at reclaiming PPI from lloyds but as on DMP with the very helpfull CCCS, dont want to take any action if this will cause problems
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Fresh Start Take II - some warnings for others in here.
Hi all, I've returned to MSE after a lengthy enough absence during which I *thought* I had managed to sort my debt out. I was wrong. I'm about to take a call from CCCS in about 45 minutes to start all over again, so wish me luck with that - my circumstances have changed a lot since I was last in touch with them so I'm…
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Live on £4000 for a year - part 4 (Oct - Dec 2008)
Welcome to Part 4 of 'Living on £4000 for a Year'. (The fourth quarter of 2008) Part 1 - January to March 2008 Part 2 - April to June 2008 Part 3 - July to September 2008 Part 4 - October to December 2008 Join us in 2009 - The new challenge thread is now linked HERE The links above will give you an idea of how, where,…
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Letter templates?
I've been on the national debtline website but can't get the letters on because my computer's blocking them ! Are there any one this site? Cheers.
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Helping my dad through bankrupty please help me!
Hello all, I am 17 and live with my dad, my dad is going through a very hard time im going to try and explain it to you as best as i can and i really hope you can help me with my questions. First of all he went through a divorce with my mum and the house that they own has the mortgage to pay off still etc, anyway he…
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I want to be debt £43,755) free by June 2011
Hi all, I am newbie here. Over the past 7 years, I have accumulated total 43,755 debt (loans 17,678 and credit cards 26,077). I have come to the point where I feel enough is enough and desperate action needs to be taken to sort out the mess. So, I have looked at my income and expenses and prepared budget for next 2 and…
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Reposession, divorce, IVA - advice please?
Hello Any advice would be appreciated. My husband of 18 months left me a year ago. I stayed in the property with my son from a previous relationship. Until August, he was makking the full mortgage payments, while I paid the £400 due for a joint IVA taken in out in Jan 05. He then stopped paying the mortgage and has…
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Newbie in need of a boost
:confused: Hi All I am new here, although I have been reading on this site for about a year now. Like every one I want to be free NOW NOW NOW. I am getting very organised with my finances although this is such a slow proccess. and what annoys me is that "if" I could get one big loan to payit off my bills etc would only be…
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Does all this financial bad news affect your mood?
I'm finding it difficult to cope at the moment with all the bad news in the papers - every time you look it's another bank with problems, the stock market (and therefore my pension) going through the floor, businesses closing, groceries and utility bills going sky high. Are you managing to stay cheerful, or does it affect…
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mckenzie hall question?
hi there, i have just registered with the forum as i was seeking some advice about mckenzie hall - i know its a covered topic but couldnt find a direct answer to my question so wanted to start a new thread and get some specific advise. my parents got a call yesterday ( at their home which i moved out of about 2 years ago )…
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Should i be worried? Advice Please
Really starting to get worried now with the financial mess thats happening in the momey markets Im looking at advice on what to do to pay off my debts, Ie what to pay off first and also is my level of debt to high or manageable? Im 30 Got 60,000k morgage clydesdale (£345 per month) house worth 70,000 Earn £20,500 per year…
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Help! IVA or bankruptcy from a DMP veteran...
Hi there This is my first post, so firstly an immense thankyou to Martin and all involved at making this site and giving advice! My situation: I've been with a DMP with payplan for 6 years, debt of £17k. I've unsuccessfully applied for an IVA twice. (not enough votes) Salary of £900 per month, with another £800 in benefits…
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Bank won't give me my wages
I am so upset right now I don't know what to do. My Natwest bank account was frozen because of an unauthorised overdraft so I opened a new basic bank account. My employer even though I gave them the new account details have paid the money into the old account. The same thing happened to my boyfriend the other week and he…
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DMP's and earning extra cash
Morning I wonder if those on you on a dmp could help. I'm in my 2nd year of dmp and doing ok. Thing is, I'd like to start selling things on ebay to hopefully earn a bit extra ..... how would this be best put to use? I don't want to increase my dmp payments just yet because I won't know how much I'm able to earn on ebay,…
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Moozies/Paps What will you spend 30th September 08?
Hello everyone, apologies if this thread as already been started but had a quick look around the board and couldn't seem to find it :confused: . So what have you all spent today? I'll update my total later as need to pop out at lunch to get a few things, these are essentials though so won't be added to my weekly budget :D…
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2nd year in DMP
im coming up to my 2nd year on my DMP for those who have gone through can they please tell me what happens now do the creditors start puttin the interest on or not. do the phone calls start again. much advise would be apprecaited. thanks in advance
