-
credit card debt
i have credit card debt,i have been to the cab and they have worked out my finances and how much i can reasonably afford to repay monthly and these offers have gone out to the credit card companies,2 have rejected it out of hand barclaycard and avensis who have already engaged a collection agency,i get calls every day but…
-
Need help/advice - MBNA threatening with court
I haven't posted on here for some time, I thought all was going OK with my DMP (with Payplan). I'm still getting letters from 2 creditors who seem to be unable to read my letters to them telling them (4 times each so far) that I'm dealing with Payplan but MBNA had, I thought, started accepting the payments. Other creditors…
-
Pap & Moozies what have/will you spend Sat 6th Sept ???
Gooooooooooood Morning everyone:D not too sure how today will go spendingwise. I know i have a small parcel to post and Mr Mouse and I may go out to the pub to watch the England match tonight so probably a couple of drinks . have a great day and keep it low:D
-
CCA Requests - can somebody explain please?
I have been reading on here for a while and keep seeing people mention CCA's. I wondered if this would benefit me as I am currently paying off 2 catalogue debts through debt collection agencies. Couls somebody explain what the CCA requests are about?! Many thanks.
-
Saturday 06/09/08 What small DFW things will you do today????
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
-
**Daily Chat Thread**7th Sep 08**
Now I do realise that lots of you will be in Leeds, at least one us will be at a posh wedding :j (pimms and nibbles on the lawn whilst having pictures taken - IN THE TORNADO) and many more of have better things to do but here is the weekend list! WEEKEND LIST This is optional so don't feel bad if you want the weekend…
-
help from charities to pay debts?
I know i'm probably clutching at straws here but does anyone know of charitable organisations that i could apply to for a grant to pay off debts? Currently I owe about 10K and have started a 5 year plan to pay everything off. However, with the credit crunch and a family to support, it's hard. I just thought i'd ask...
-
Whats Your Occupation
HI EVERYONE ............., Just thought id ask everyone what they do for a living? I run my own business selling candles (my own brand) my i add cant tell you the name on here but theyre ............FLAMING GREAT:rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl:…
-
Full & Final Settlement
This may have been asked before but I couldn't find it. I have been three months in arrears on my loan payments to HSBC for over a year. I have approx 5k to pay over the next 15 months. I am abuot to lodge a claim for 1ks worth of bank charges so that can start filtering through the system. In this situation, might HSBC…
-
New to MSE: Help required from debts
I am new to MSE but so far what I have seen is that there are a lot of people who might be helping me with my present circumstances. I have really hit down because of many things and I want all of you to advice me as soon as possible to help me out :confused: . First kindly see what I am coping with: Statement of Affairs…
-
Student loan company final demands on payments
Hello everyone, Basically I need some advice, I was a student two years ago and I completed one year of university in a three year course. I decided that university was not for me and decided to work for the last year. However the SLC have in the last two months been issuing me demand letters to pay them 577 pound. They…
-
Help Please!!!
Hiya think some of your advice on here is excellent and wonder if you can help me, last year my husband lost his job, and we missed two morgage payments, since january we have made every paymenment plus a extra £100.00 (agreed for arrears) This month I was poorly and could only afford £250.00 (statory sick pay) so we are…
-
Single and in Debt (2)
Hello everyone again, in accordance to MSE thread 1 has reached its 1000 post limit, so I will start the thread here for you. Remember you are never alone, we are all friends in here xxx keep it sweet
-
Taking on Debts
Hi My boyfriend is currently with payplan but it is ruining his credit score due to them having to fairly distribute his money to the creditors so some creditors are getting over their min amount due and some are not getting the minimum amount leading to late payments on his account. He is wanting to take on some of his…
-
Help not judgement please
At 23 years I had about 30k of unsecured debt, credit cards, loans, etc. My own fault, I was young, naive and stupid, I was earning good money and never thought about it. Then however I went through a really bad time and my head just went west, I left my job without being able to get another and I moved and stupidly just…
-
Saying hello & advice
Hello all, I'm new to this forum. I've recently had the realisation of being in over 40K worth of personal debt and am struggling to keep on top of it all. Having read through the forums it's such a comfort to realise I'm not alone in this and find a place where I'm not judged for my previous out of control spending…
-
£92k debt, time to face up to it!
Hi all Over the past 6 years I have systematically built up masses of debt and now at £92k I simply cannot meet the minimum payments and have to stop getting out more loans in order to pay for them. Can't believe it's taken so long and how stupid I've been. Now I finally am admitting that it's got to stop and I have a…
-
I'm so bored of my debt
Hi, I'm a long time MSE forum reader and thought I'd chuck my debts into the mix. The total below is just for my formal debts. I owe a heck of a lot more to my dad and boyfriend, which I'll add on later. I'm in a huge mess: £181 over my Barclays overdraft limit, direct debit for water has just bounced, I don't know how I'm…
-
F&F Result
Hi Guys :j Just to let you know that I have just made a full and final settlement with First Revenue Assurance for 58% of the debt! They have sent me a letter confirming that they will accept the 58% as F&F, so hopefully I will receive the receipt next week. So that's all my defaulted accounts settled now, just have to…
-
Help!!!!! Advice needed on what I could be doing better
Hi I've read lots of the threads on here and hoped that some of you might be able to offer some advice on what I could be doing better. I accrued quite a lot of debt in my early twenties- about £26000 if I'm honest- through over-spending and using credit cards/loans/etc to offset the debt. At 25 I decided to go back to uni…
