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Unpaid Account
I have found myself in a very unique situation where a company that I work for is or has put themselves into liquidation. They have not replied to my emails nor answered my phone calls. The amount that they owe me is £2500.:mad: :mad: :mad: Here comes the dilema:eek: I have signed blank cheques for this company in my…
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oh no! more debt problems arrgghh help!
i came on here a while ago last year about my debts i owed in the region of around 5 and half thousand £. i then after coming on here managed to take everyones advice which i cant thank enough! and got payment arrangements etc sorted out and was handling my debts,only now a year later my debt has risen a few thousand…
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Do you find that there is always something.....
that comes along that you never expected? You cannot seem to relax for one moment. You try and get organised but before you manage to do it.....there is always unexpected bills/disasters (in the littlest sense of the word) that seem to crop up. Does anyone else find this or is it just me? I suppose it's just life lol
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Loose Change Challenge!
Every Friday put all your loose change from your purse/pockets/etc into a pot to save up and see how much you have at the end of the month! I am saving loose change in 1p, 2p, 5p, 10p, 20p,and 50p's. You can follow me or you can do it your own way :D I will add change to my pot now (I already have some in there) and I will…
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Credit card debt - no solution apart from DMP?
Hi folks, New to the boards but been a long term lurker, so forgive me for diving right in. Hubby and I have built up a breathtaking total of £68,000 in debt over the last 7 years - I know cos I just completed the CCCS debt remedy! Of that debt, 30k is on credit cards, the rest on loans, HP etc - we don't have a mortgage.…
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£7400 overdraft & £17300 loan - doomed
Hi to all, I am currently having problems with my Natwest loan and overdraft. I borrowed £17,300 from NatWest in April 08; APR is 10.1 % over 28 months. I also used my overdraft limit up to £7400 (max limit is £7500) few days ago. The APR is 17.73 %. I will be paying big interest every month I know. I have to make a loan…
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Help Re:banksmart
Has anyone ever used them? Only I went to them purely because of the no win no fee to reclaim Bank Charges since I was unsuccessful with the letters I sent out. However, they say I now owe about 700 in charges to them for the 'work' they have done (which by the way is the EXACT letters I sent which were initially ignored).…
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well we had our charging order & redetermination hearing today and....
it didn't go very well i am afraid to say. :( i am sure quite alot of you followed my original thread, but i cant seem to find it now and wanted to let you know the outcome. sorry it isnt any good news! From the moment we went in the judge wasnt very nice, she really didnt listen to our reasons and didnt think any of them…
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Help and advice needed asap!
Hello, Just wanted to get your thoughts on a problem i have. We've been having a problematic year with our business and the bank we are with, HSBC are now threatening to call in our unsecured £20000 overdraft with a fortnights notice.</P> Obviously this has worried me somewhat as ther is no way i can get my hands on that…
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OMG, one credit card paid off!!!
Ok, this is completely mind blowing for me! I had 215 on one credit card that would be paid off from account this month anyway. However, I have been doing topcashback and have registered with Jackpotjoy for £20 cashback. This is tracking nicely. I have then received £5 code in the regular mail as a bonus to play with.…
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how do i get out of this debt
hi i was after some advice about how to start clearing the following debti have £2000 on an abbey credit card which is 0% until oct 2008£4600 on a virgin credit card where the interest is 34.9% p.ai also have an overdraft which is £700 and is used to the full every month and i occasionally do go over this i tried switching…
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Can someone tell me if I have been stupid or clever.
At present im feeling a little overwhelmed, this is the basis of my story... Me and my brother bought a house for £173000, we had a £143000 mortgage, and my brother put in £30000. My brother wants out to move in with his girlfriend, so my girlfriend moves in, and we pay the mortgage between us £920 a month. My brother…
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New and need advice
Hi everyone I am finally taking my head out of the sand and trying to deal with my debts rather than wishing them away or pretending they don't exist. I did a very stupid thing. I tried reclaiming bank charges using the template letters on Debtline but had no response from any of my creditors. Then while googling I found…
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How do I dispute a debt?
Hey, hope I can find some help on here, basicaly HSBC are threatening me to repay a £900 overdraft (nearly £400 of which is charges they have added since April!) If everything goes well with the OFT etc then I will be owed £2000+ of charges so surely this works both ways and I can dispute the debt (With interest I know,)…
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Stuck between a rock and a hard place
I originally posted this thread in the Mortgage section but a forum member there suggested I may also be able to get some advise if I posted it here too... I write here today desperately trying to get as much advise I can on my current situation. In November my lower rate fixed period ends on my mortgage and will put my…
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Companies in liquidation
Hi folks Hope I can post here regarding my issue.:o Anyway I have a claim form to fill in with Begbies Traynor liquidators of TWOPART/E.loan.co.uk, as these went into voluntary liquidation in May 2008, just a few months ago. I have also registered this claim with the FSCS who still have my details but have said we must…
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CIFAS 'Fraud' record on Credit Expert report?! HELP!!
Hi All, I hope someone can help me. In March this year, myself and my boyfriend applied for a joint back account with HSBC. It took them ages to process our forms, and when we did finally get an appointment to go into a branch to show ID etc... it got cancelled the day before. We were so sick of waiting that we went to…
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Think I have asked this before, but here goes.
I have a CC with a well known high street bank whose name contains a compass direction. I have previously requested all three credit reports and it appears on none of them. I may be looking to deep into this, but is it likely, with them not reporting, that they dont have the necesary (sp?) paperwork? i know originally this…
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Right way forward?
Hi everyone - this is my first time posting and I'd like some opinion/advice on my situation. So, here's my story: I separated with my husband 3 years ago - it wasn't very amicable but he allowed me to stay in the house with our 2 children for a fee. I remortgaged very quickly (within 4 months) and paid him about £23000…
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Credit Card Bill - Need help!
Hi everyone, I need some help and I'm hoping someone will have some good ideas! I got a Credit Card (Barclays) last year to pay for a holiday and laptop, I think it had 6months interest free which withing reason I could have paid it off before the end had run out. Unfortunately I left my job before they sacked me so my…
