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£5000 over 6 cards - loan or debt management? (SOA included) Please help :D
Hello all :) I'd really appreciate any advice on my situation, especially from people who have been through similar things. My situation: Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 600 Partners monthly income after tax....... 0…
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Help With Egg Please
I wonder if someone can advise on this. I'm looking help for a friend who has confided in me with a problem with Egg Card. Here is the story. £7500 owing to Egg. The debt was passed to Fredrickson International and a payment arrangement of £100 agreed. Friend kept up the payments for several months but then missed 2…
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British Gas Highway Robbers?????
Long story short we moved into our house 2 years ago. Set up a DD with British Gas who failed to take any payments for 12 Months:confused: Anyway we were not quite so on the ball at that point with regard to checking our bank statements etc so basically didn't pick up on it. British Gas did and asked us to repay the…
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mobiles
am posting for me dad this time. we used a site to get a mobile unlocked before and it only cost about £3 (£10 if you go uptown) but i cant remember what site it was :confused: can anyone recommend one please :j kas x
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DMP - Full and Finals
Hi, I'm just about to enter into a DMP, and have just been trying to read up a little on Full and Final offers, but couldn't find exactly what I was looking for. If I take the DMP out now (expected to be approx £200 over 54 months), and then subsequently I am able to save some money, by either decreasing my outgoings…
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Default Showing from 2005 - Fuming!!!!!!
Hi Guys, I have been checking my Equifax report online today, and noticed a new credit account that had appeared on there this week. It is from Lowell recording a default from April 2005 for the princely sum of £16 owed to 3 Mobile. I immediately emailed Equifax to query this, as I do not owe this money, and have never…
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A Rant,companies that charge a fee for DMP
Hi I just wanted to write this down and warn people of horrible companies that charge a fee to set up a DMP, and in the long run probably dont even contact your creditors. Me and my h are in a fair bit of debt, all in my name though and have decided to go BR at the end of the month. Anyway, whilst deciding which way to go…
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Help with finances
Right we are in trouble with finances and I am struggling to cope! This is my first post so please be gentle with me. I was self employed with a business which made nothing for the past 2 years. I am now currently looking for any job, but one ideally with 16,000 a year. , as I have childcare to take into consideration.…
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Starting a slippery slope
Hi everyone. Have been a lurker for a while but just starting to think I need help. I managed to get an interest free credit card around 9 months ago which gave me a stupid limit of £11,400 and a licence to spend. I have run up a debt of close to 7k in this short space of time and I am just starting to find the min…
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I made my first posts today :)
hi i am Kosh Naran and am originally from Israel but now living in northern ireland. i have been lurking here for a long time and finally have the bravery to post here. English is not my first language and although i can speak it ok i am not as good at writing it please forgive me. I have some debts and am a bit shamed…
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Nearly 30 and turning my life around!!
I’ve decided to start my own diary because this site has been a great source of inspiration for me and instead of reading about how other people are changing their lives I’m going to join you and change mine for the better!! Let me tell you a bit about me, well as you can see from the title I’m nearly 30 (in about 7…
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DFW newbie - getting things sorted
Am feeling quite positive at the mo, just dawning on me that in order to be debt free I need to watch the pennies in my purse and in accounts EVERYDAY! This site definitely helps with support and advice. These are the steps I have taken so far to help get back on track: Requested a payment holiday from the mortgage -…
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looking for
hi i am sure i have seen somewhere an over payment calculator and i cant find it anywhere :rolleyes: . can someone please point me in the right direction kas x
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Serious debt problems - please help me!
Hi, Following three years of illness (stress/depression) and losing my job I find myself in an impossible debt situation. I am already overdrawn by nearly £3000 (£4000 limit) and therefore will be unable to pay next months bills (most due around beginning of next month). I had previously applied for a secured loan to cover…
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Will the Bank or Post Office exchange my 1p and 2p coins??
I am having a big massive clearout (due to emigrating) and I have less than £10 in 1p and 2p coins. If I take it to the Post Office or ANY bank will they exchange it into notes for me? Thanks :)
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SOA - Drowning in credit card debt but worried about DMP
Hello, apologies if I do this all wrong. I've been in touch with Payplan and filled in my details for them, waiting for them to contact me now. I'm really worried about how I'm going to cope being on a DMP, how long it's going to set up, whether all my creditors will go for it. I really really need my credit card providers…
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Paying somebody elses debt!!
Hi to all, My first time so be gentle! My Fiance, who I have been with for 3 years, had a joint account with her ex. When they split they also split their debts between them and each got loans to pay them off (which my fiance did, her ex didn't!). He was responsible for paying off the joint bank account but 4 years on he…
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House prices v divorce
It's not quite about debt, but there's an article here about the relationship between divorce rates and house prices ... http://citywire.co.uk/personal/-/personality-finance/bricks-and-mortar/content.aspx?ID=313791&Page=1
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Charging order on 12yr old CCJ
I've had lots of help on another thread, but now that I've got a fuller picture, I thought I'd ask for even more help here! Background: Last week I rec'd from the Land Registry a notice of an application to register a restriction against the property I have owned with my husband since 2004. Turns out this refers to a debt…
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Capital One Default Removal Request
I sent a Default removal request 2 weeks ago to Capital One they replied today saying : "You requested a copy of the default notice we issued on your account. Under section 78 we are not required to provide a copy of the default notice and statement of default". Is this true????? What should I do next??? Cheers
