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Just woke up
Hi DFW's, Firstly, sorry if this post is really long. Although I have posted on the website before with a question, I haven't posted on the DFW forum - so please be gentle! I just really wanted to post as I don't really have many people to talk to and especially not about the situation that myself and my fiance are…
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A debt I don't owe
Hi there I'm sure this is pretty trivial compared to some problems, but I just wanted some advice as to what my legal position is please. My former university are chasing me for a small amount of money - it's less than £100. The issue is, I was told over a year ago that I wouldn't have to pay anything regarding the matter.…
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In £23,000 Of Debt,Pro-Rota Payments To Creditors Or DMP?
Hi Does any body out there know whether its best to go through the offer of Pro-Rota Payments to Creditors or DMP? Im in £23,000 worth of debt :( . Also,do they both affect your credit rating? Would be great to hear your experiences/thoughts.
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Help. In a complete Mess!
Hi there, i am very new to this site so not sure if anyone has any advice that they could spare me. I have put myself in an almost impossible financial positon over the last couple of years and can't see any way out. When i finished university i came away with many debts as most people do, and chose to take out a loan to…
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Possible HBOS merger with LIoyds TSB
Hi there I am just wondering what would happen if this merger were to go ahead, as I have a mortgage/secured loan ( no arrears) with one but a credit card debt with the other, which I think is an interesting situation, but I am sure there are many people in the same position. Regards
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Debt management plan with CCS
I would welcome some advice for my son who is on a debt management plan via the CCCS. This is reviewed regularly and one of his debts is with Lloyds Bank. The CCCS wrote to Lloyds Bank in July with a revised plan but Lloyds are claiming they did not receive the letter and have been charging my son £20 a day charges since…
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Bloomin Bank Mergers
In the news right now, there are talks of HBOS being taken over or merged with LTSB. http://www.telegraph.co.uk/money/main.jhtml?view=DETAILS&grid=&xml=/money/2008/09/17/bcnhbos517.xml I have been trying to work out a plan for doing balance transfers but if this goes through will need to start from scratch and maybe get a…
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Cca request/Marlin DCA/ First direct logistics
hi all, my sainsury cc went over to marlin dca january this yr. they kindly added charges and interest of £1500 to our balance. i requested a CCA and in february, i had a letter from marlin to say they didnt have one on file (suprise surprise) but will send it when they have it....... i didnt hear anything until last week,…
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Help please such a dilema
Hi, Me and my partner have about £10,000 worth of debt between us that we are really struggling to pay. We called a debtmanagement team and they asked for all our debters and amounts we owed. We gave them them all and have arranged to pay £250 per month to the debt management team to get us out of this black hole. One…
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Being cold called about IVAs from India, can they do this?
I am currently being rung from India about IVAs or as they call it "government shemes", even though I have no debts! I have even been rung on Sundays, is this allowed, can they cold-call me on Sundays form India. Is there not a law preventing this, or do they get round this by ringing me from india? Any help appreciated.…
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Arvato Finance Services Ltd
Has anyone heard of this outfit, I picked up a letter this morning from my old place which referred to an earlier letter that they had sent to me - not received and this current letter telling me that if I did not contact them by 7 September then they would be instructing solicitors or getting a bailiff to come round. The…
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Settlement advice needed
I have been paying my debt for the last 8 years, i have paid 20k off and have just short of 9k left. I have just turned 27 now and have decided this is the year to sort it all out. I have missed out on alot of things becuase of my debt, like mortgages, renting houses, also jobs that I couldnt apply for becuase of my…
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MY SOA - Does anyone have any pointers please?
Hi all, I was wondering if you could take a look at my SOA and see if you could suggest anywhere where we may be able to save about £150 a month as this seems to be the amount we are overdrawn every month. Although it says we have a surplus of £230.49, this tends to go on other things (such as renewing our passports this…
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I've set my goal!
Hi all I don’t usually post on here I read a lot!! and think that this is a fab site that gives out great advise – Thank you all!:T I would like to join those who have started a Diary. I don’t have a huge debt like some but its been something I have been trying to clear for the last couple of years. Last year I finally…
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Debt Payment advice needed !!
I hope this is in the correct forum. I had a overdraft with Abbey bank ( £3000):embarasse , and when I changed banks they asked for the overdraft to be paid back. We agreed £50 per month, and I have been paying that for the last year or so with no problems. Today I got a letter from 1stCredit, saying the account has been…
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pap/moozies what have/will you spend sep 17th 08
Good morning all, hope you are all well :j happy mid week, the weeks seem to be flying by :o So what have/will you spend today? Remember try and keep it low and remember your saturday pledges ;) take care all :beer: Nsd for me, at home today so a little bit of cleaning and a little relaxing :j Where is rog? I am getting a…
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Dmp
My husband started a debt management plan with Byron and Keeley 6 months ago. He has a debt with RBS for £27k and a car loan for £4k. He pays £250 a month and up until recently we had heard nothing form anyone regarding these debts. Both debts have been sold on one to tenon recovery for the RBS one and one to Shoosniths…
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cccs help needed please!
Hi guys Just need a bit of help. When we initially sent our paperwork back to cccs at the beginning of the month (all recent statements, wage slips etc), I put the wrong tax credits thing in, it didn't actually say the amount we get. Cccs rang up, pointed out my mistake and asked me to send out the correct bit, which I did…
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Tax payers to bail out the banks......what's the effect?
Tax payers to bail out the banks......what's the effect? Sorry if this has been asked before, but I suspect there are many (90%+?), me included, who do do fully understand the effect of these banking bailouts. The BBC et al bang on about what is happening, but seldom the effects. Could someone explain. .... or a link to an…
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Can you help me with something?
I posted this thread on the insurance board http://forums.moneysavingexpert.com/showthread.html?t=1159919 People looked, but no one replied :( Even if you dont know the answer perhaps you could reply to bump it up a bit...and if you do.....well THANK YOU (kiss kiss)
