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Help
Hello Does Anybody Know If I Was To Set Up A Payment Plan On A Debt That I Have Defaulted On If This Would Be Then Come Up Satisfied On My Credit File?
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£1000 in 100 Days, 22nd Sept - 31st Dec 2008
Can you make (or save) £1000 extra in 100 days? Challenge 2 - Jan 1st to April 10th 2009 is here Monday 22nd September is day 266 of 2008, which means there will be exactly 100 days left until 2009. My plan is to attempt to earn an extra £1000 before New Year 2009 so that I have a good start to the new year. I intend doing…
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Advice Please
Hello Could do with a bit of advice. Have been a bit silly with a credit card am an now in debt to the tune of £7k Been reading some posts in here and you all seem to give fantastic advice on how to cut monthly outgoings and just wondering if you could give me some advice on mine. I would love to pay off this card before…
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Recommended Percentage of Debt for Full & Final Settlement Offer
Hi I have been on a DMP for a while now and was wondering what average percentage of outstanding debt most companies are prepared to accept as a full and final offer? I understand that this might not be the easiest of things to determine but as a starting figure do I go in at 50%, 90% or what? Thanks in advance. Alan…
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Help! Debt consolidation - Loan / Mortgage ???? Have I messed up my credit???
Hi All, Firstly let me say Hi as I'm new here! I need help!!! I've got about £21,000 on 3 different credit cards! These were banged up mainly due to a new kitchen & batroom for the house but I also have to admit to being a bit frivolous along the way as well! Recently they've been getting me down & it's now got the point I…
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RBOS - Help
I was wondering can anyone offer me any help to whats happening to me and hubby . We had an arrangement through payplan , with RBOS-tesco finance for a £25,000 loan. They have now decided not to carry on with the arrangement and sent us default notices , and wanting us to pay the full amount off which we are unable to do.…
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Hi All, Just a short question
Hi all, I’ve been lurking on this site for a long time now and have finally decided to participate. I am not sure where my question belongs as it involves using stoozing to pay of some debt. Now the scenario: - I currently have an MBNA virgin credit card with a 15 month promotional rate of 15 month at 0% (ends Aug ’09). I…
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Can someone help me with Wescot Credit Services
Hi I need some advice please, it's a bit of a long winded story but a couple of years ago I had an account with a catalogue company and had an outstanding balance, I then moved house and re-directed all my mail to my new address at the same time I became very ill in my pregnancy and had to go to hospital on a daily basis,…
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Old Default
:confused: HELLO EVERYONE I HAVE 2 DEFAULTS WITH RBS FROM 3 YEARS AGO THAT I HEARD NOTHING ABOUT UNTIL NOW ,1 FOR £592 WHICH WAS MADE UP OF BANK CHARGES WHICH I GOT SICK OF AND STOPPED PAYIN AND ONE FOR £290 WHICH WAS A LOAN THAT RBS GAVE ME TO PAY OFF THESE BANK CHARGES. I HAVE NOW BEEN CONTACTED BY A COMPANY CALLED…
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Friday Fun with Mercers Debt Collection Agency
Hello one and all, I thought you might enjoy reading of how I've turned the tables on Mercers (aka Barclays Bank)? A few months ago, I took bankruptcy and my wife did an IVA. Nearly all the phone calls and portentous bullsh*t by post has now stopped but, like a stuck grampahone in its own recursive loop of misery, is…
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court hearing - help
sorry this is a long one and maybe a bit confusing......but I am sick with worry and just don't know who else to turn to ....... We had a Loan with Tesco Finance ....but due to circumstances and struggle to make ends meet we turned to Payplan in November 2006. Since then we have made no more debt, payed our bills and…
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court
posted twice ....sorry
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help!!
hi, i wrote a letter (cca request) a little over 2 weeks ago now to a debt collection agency who were dealing with a debt, i di all the right things kept copy, sent recorded ect. i have heard nothing as yet, today i recieved a letter from scotcall?? saying i had 7 days to pay or they would instigate a doorstep collector,…
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Can a DMP loose you your home?
Hi there, Apologies if this has been asked before but I couldn't seem to find anything similiar in the Forums. After, embarrasingly, years of borrowing...I've got to the point where I need to start taking some responsibility and try to make my life less stressful. I'm approx £50,000 in debt with unsecured loans and credit…
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See a penny, pick it up
Just seen this article on the BBC Magazine site: http://news.bbc.co.uk/1/hi/magazine/7622792.stm "Teacher Kath Kelly found £117 in dropped cash on the streets of Bristol, during a year in which she lived off £1 a day." I can see myself bumping into people on my way to work now because I will be looking at the pavement lol.
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advice please
Hi I first posted here in February this year and have since buried my head in the sand but a month ago finally realised that I had to stand up and deal with my debts. I contacted Payplan and discussed my debts and income, they advised a DMP which I have just signed up to do. Although they were extremely helpful at the…
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First day of the rest of my life!!!!
Having spoken to CCCS I have now posted off all the necessary paperwork to start a DMP with them. My head is finally out of the sand. If banks, building societies and multi-national insurance companies can go bankrupt and lose/need billions of dollars to bail them out, my debt, approx. £60k, looks miniscule in comparison.…
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I am Hacked off.........
I'm just having a rant but I am constantly fed up with the incompetence of others causing me stress. 4 years ago, I was up to my knees in about £34K worth of debt. I was acting as a carer for someone and had no income. 4 years later, my debts are down to a few thousand, and I'm well on the way to being debt-free within 12…
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Moorcroft Debt Recovery sent letter but have not oustanding debt for the Vodafone
I received a letter this morning from Moorcroft saying that they have been instructed by Vodafone to collect an oustanding debt of £109.49. I havent had a vodafone account for about 5 years, and even though I did owe them some money at the end of the contract, I know that I paid off what I owed. Due to it being so long ago…
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Will The Bank take this???
I owe my bank just over 17000 , 12500 remaining of a 14000 loan ( 50 months left at 315 a month) 3000 on credit card ( 60 min payment a month balnace going down by 23 a month) and 1750 on overdraft paying 13 a month interest. Also paying 17 a month for acc i dont need but cant change coz overdrawn. So total payments 405 a…
