-
Got To Go To Court-mortgage Arrears Please Help!
i have to go to court next week. mortgage company said best to go as court can lower my monthly figure for arrears. never ever been to court scared stiff dont know what to do or expect please help any tips welcome thanks:eek:
-
DF Day!! Whoop whoop!
I've just made the last payment on my cc, which was the last of my debt. From Oct 2006 until now I've paid off just under £10k, 14 days before my goal date of my 30th birthday. It's been a bluddy slog, a two job, 70-hour week, ebay frenzy, market shopping, invite refusing, brand ditching, hairdressing college, guestlist…
-
Paying off my loan
,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
-
I love CCCS...
:j Had our phone apt with them today and feel sssssssssooooooooooo much better! DMP should start in November (October needed for car tax :rolleyes:) We're paying a bit more than I'd planned but think it's for the best! Our Debt free date is just over 7 years instead of 9 :Tand I'm a happy bunny! Also got some good…
-
Help - Pipex/SC Gray/Scotcall
Can someone please help me before I go insane. We used to use pipex as our internet provider and got so fed up of them messing up taking our dd that we moved providers back in April. Got Mac code from Pipex and started with BT in May. Now I always just pay money into the bills acc and leave everything alone in there. I…
-
Debt Management Plan
hi there everyone, i have been in a dmp for 3 months now, i owe 7 creditors about £36000 . I have got a ccj hearing coming up in october for a application to vary, the ccj is from american express who i owe £7000 to , as i understand they are trying to get a charging order against my house , can anyone tell me what to…
-
IVA due for review
I've looked around for a thread like this already and couldnt find one so i hope i'm not repeating anything.. I've been on an IVA for two years and in November i'm due for my first review. With all the interest rates going up, as well as living costs, i was assuming they might drop my payments but a few people have…
-
Loans
Hello I'm new to the site and wanted some advice hope this all makes sense I have two credit cards totalling £5500, a car loan owing about £2500, a loan owing £7000 totalling £15000 I pay about £550 per month on these. Also I moved house last December and have a mortgage for £115000 my property is probably worth £200000. I…
-
t-mobile / credit report
hiya gang ok as some of you know im clearing through mine and OH debts. Had a t-mobile account (2006) was passed to DCA and has been PAID off in full. Debt collectors have informed t-mobile, IVE sent copy letters to t-mobile that the debt collectors have sent me and t-mobile have still left an outstanding balance of £385…
-
Anyone help - identity theft! Very annoyed
Hello, Wondering if anyone can help. I moved out of my previous property in April 2007 and made sure to cancel all cards and post and whatnot. Anyway, just checked my bank statement and a direct debit has appeared from Burton for purchases bought in December. After a bit of digging, it has turned out that the next tenants…
-
What makes the most financial sense?
Hello, I'm Sean and I'm new on here. I could really do with some objective opinions on my current situation, if that's ok. My wife and I have a mortgage with Northern Rock (bad luck eh). We can't swap mortgage suppliers (we've tried) as we have a lot of debt and I went self-employed a year ago - extremely bad timing. I…
-
Down And Desperate!!
Hey Everyone, I have been lurking around for a while, posting here and there but not really getting involved because I feel like I'm in a really bad position and I'm not sure what to do about it. Firstly, can I say that I'm not going to do SOA because I still live at home currently and I'm moving out just after…
-
Debt transferred to Debt Managers from Droyds
I made a full and final settlement to Droyds which was refused (it was 40%) and have just got final demand from DM with no prior warning from Droyds that they were transferring the debt. Reading other posts on here it seems DM are !!!!!!!os of the first order so..... Should I ignore them and write to Droyds again with a…
-
Getting a loan with a poor credit history
Hey. I have been looking into a loan and been declined several times. I was wondering if anyone could recommend a place to go. I have done my sums and I need to borrow £3000 to pay everything off and start again. Thing is I have a bad credit history. I can easily afford to play this off over a period of 5 years and still…
-
disputed debt
hello i have recieved a letter from a dca demanding £54 from an old sky account. i disputed this with the previous collectors (as i dont believe i owe it, thought i had paid final amout and guess this must have been added after)and have heard nothing until now. i understand that if its in dispute it shouldnt have been sold…
-
First Step
Well i have finally realised that i am upto my eyes in debt. I have contacted the Debt helpline and they will be sending me all the info packs out and should be with me by thursday, have also just opened up a new account with the halifax. What i would like to know is i took out a joint secured loan with my wife (we have…
-
Writing to creditors
Where do you stand with writing to creditors (loan/credit card) to ask to freeze interest if you also have a mortgage? Is it likely that you would get anywhere or would they not deem you to be in financial difficulty if paying a mortgage?
-
Debt Consolidation Companies
hi there i am not managing my debt and the interest rates are crippling me laving me with hardly anything at the end of the month. i have contacted a company called Baines & ernst who said that i can have a 5 year plan that will freeze interest and also make my debt more manageable over a 5 year period and its a free…
-
Where have the stickies gone?
The forum team have had several comments about too many stickies on the DFW boards - and that people were finding it difficult to navigate round with them taking up the first 8-9 posts... So I've unstickied some - they are still all on the board - just no longer stickied :) Sorry for any inconvenience :) Regards MrsT
-
Hi All, any room for a newbie?!
Hi everyone, :D I'm Jo and having read through some amazing advice and success stories I decided to join up! I'm 26 (and a half!) and currently two years into a DMP with Payplan which started in September 2006. The balance on my DMP is £12,402.21 which has really gone down since I started with a total of £17k debt plus a…
