-
Use my savings for partners debts?
Hi all, I'm a new poster as I'm after some advice. Up to about a month ago I had only one small credit card debt which is on a 0% interest CC and I was tarting for another 0% deal soon. Then my partner admitted to having difficulty with his credit card payments. It's taken me about 4 weeks to finally drag out of him that…
-
Where do I stand now? Confused!
Hello all, Bit confused so thought maybe someone on here would be able to clarify a few things for me. After being chased by DCA regarding a recent debt which had not been paid (through no fault of my own) but which I do acknowledge and take responsibility for, I decided it was time to sort out my previous bad debts and…
-
Weight Watchers Support - Can It Be Dfw?
Hi all!! Welcome to the Weight Watchers DFW support thread. Often weight watchers and dieting in general can be a bit expensive, so i've started this thread for encouragement and for us to share DFW WW tips. Below is a list of everyone taking part and their targets. If you would like to take part please either post on the…
-
Association
Would an "association" with my husband on my credit file, prevent me opening a current bank account with a bank that he(alone) has previously had a debt with? We have both successfully completed IVA's plus 1 year and both our credit files are clear. Mine is showing a good credit score. I also have a mobile phone contract.…
-
1st step taken I hope......
WeeklyMonthlyYearlyMonthly Total Income From Employment / Self Employment£1,290.00£ Benefits (Including Child Benefit, Child Tax Credits & Income Support)£605.00 TOTAL£1,895.00 Mortgage/Rent: £465.00 Buildings & Contents Insurance:£25.00 Overdraft Cost: £40.00 Council Tax:£130.00 Water Rates/Meter: £35.00 Gas £30.00…
-
Who do you blame?
When it comes to your debts who do you blame for it? I mean people like the banks for giving too much credit, yourself for wanting things out of reach or just unlucky circumstances where you had to borrow? In my case it would be wanting things out of reach e.g. flash cars. Im paying for it now. Least I have learned my…
-
Good idea
Hi all, Does this sound like a good idea to go with? I bought a motorbike about 6 months ago. (just passed my test on a high and was stupid). I have around £4000 out of £5500 outstanding on a 0% offer with honda. I really want my own place with my partner, I can see my only way of getting a deposit is to get rid of it. I…
-
Crapquest threats
I would really appreciate your input, I received a letter from crapquest concerning my debt of over 1k. It reads: "Despite our numerous attempts to assist you to find an amicable solution to settle this account, the balance remains unpaid. Our investigations into your current financial position are now complete and it is…
-
Debt. If only I knew then, what I know now!
I've just found this forum and thought I'd tell my debt story/journey. I'm 33 and about 14 months ago, was £37,000 in debt (yes, I know, don't keel over...though I did when I finally totted up all my wicked spending ways!). With a salary of just short of £30k coming in, I knew I was heading for an even bigger mess if I…
-
While waiting for cccs IVA
Hi I am hoping to apply for a cccs IVA but in the meantime should I offer the credit cards an amount that I can afford? I have seen this form on the internet showing amounts owed and pro-rata payments offered below. Should I send them this or wait and see what cccs says? Thanking you in advance for any advice DISTRIBUTION…
-
paying another person debt
i am just enquiring on behalf of my mum, my brother has run up debts while living at my mums address and now has skipped the country leaving my mum with the debts, the money that he has taken out is in his own name, so should be left up to my mum to pay these, as she has been threatened with bailiffs. can my mum get a…
-
Should I have not bothered.
This has been digging me for a couple of days now - and even though its not the end of my releationship - its put me on quite a back foot here. Setting the way back machine for a few weeks ago and my partner was approaching her 40th birthday. I am 4 years younger but felt that even though she "didnt want a fuss" she…
-
dr debt
My first post here. To keep things short I have alot of personal debt c/cards, loans etc. Things are getting on top of me. I phoned a company called debtdr who want me to pay them over 2k to help me sort my finances out. Would I be better going to the CAB. The thing that also put me off is that the guy (debtdr) I met with…
-
what's the best credit card for borrowing
I am seeking advice for my daughter who has let her finances spiral out of control; living beyond her means! To allow her to pay off her overdraft and a few other small debts which would be the best credit card? :confused:
-
Advice on Dmp
I have been looking at my options as we are £61,000 in debt:confused: . We keep topping up our loans with other loans. I filled an email in on CCCS and a DMP was reccommended!!!!! Can anyone advise me if this is the best way as it seems really scary to me? Do you get lots of nasty letters and phone call?And how long are…
-
Advice needed....
Hello, MMMmmm where do I start.... I could do with some advice, I have credit card debts of £32000 to 6 creditors which most of it was was obtained and ran up while during a nervous breakdown, for which I'm still being treated for and now have further mental disorders... The rest of the debts was obtained to pay off the…
-
Help please with Capital One
Hi all, I really need a bit of advice...... I'll try and keep it brief. Basically I've been on reduced payments with everyone I owe money to. I've not gone through the official DMP route just used the templates from National Debt Line and wrote to all my creditors myself. I've been happily paying all these off and managed…
-
bailiff calling - have IVA not sure what to do ??
Hi Wonder if anyone can help – we had a visit form a bailiff today who didn’t leave any details just a number and will be calling back on Monday , I think it is for one of two things a debt for electric for our old rented house which was a prepayment meter yet they wanted to charge us £500 a year later we have been trying…
-
Cancelling old credit cards
I'm sorry if this has been asked before. I'm pretty lazy when it comes to tying up loose ends. Over the past few years I've been moving the credit card debt onto the next interest free balance transfer. The problem is I'm not so good at remembering to cancel the old accounts afterwards. Two questions really; * is there…
-
Three/Lowell
.....................
