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Debt management plan
Hi Could someone please tell me if this is correct practice- I decided after lots of nights reading this site to contact 'Payplan' to seek advice of either an IVA or a DMP, which would be best for me. After my first contact with Payplan they took my details and got an advisor to get in touch, the advisor they got to…
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In need of some advice please.
Hi, I'm a newcomer to the board and am just facing up now to my debts and want to pay them off. I'm single, living with my parents and trying to see the best way to get my debt under control. I have applied for 5 or 6 Balance transfer credit cards over the last month and have been accepted for one (the Barclaycard) and…
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is anyone else watching bbc3 right now?
there is a really good programe on bbc3 right now call money for nothing, its all about debt manly credit card
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Prehaps its too late!
Hello, Over the past few months i have realised i need to do something and found this site. so far ive applied and been accepted for a Barcleycard 0% with a £1100 limit which ive transfered £990 from Natwest one of my highest interest cc as well as paying off debenhams card. Natwest £4400 down from £6000 Smile £9100 Cap 1…
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Can we have two eviction notices?
Hi alll, me and my wife are in a big mess. We have an eviction notice for this wednesday from our secure loan company and having spoken to our mortgage company today they informed me that they applied for an eviction notice 3 days ago. We are 100% sure we can lend the £2000 to pay off the notice on wednesday but if the…
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my life is ruined
Hey there, just thanking you all for taking the time to read this if you do , ill try not make it too boring for you all so here goes, im 25 years old recently everything was going great, gf, new flat, nice car, good job, everything was fine, i wasnt making huge money i was making enough to get by each week. about 2 year…
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wanted to celebrate with someone
May I celebrate on this site, all our friends are unaware of our position with debt, today I sold my house, got the asking price, money in the bank. moving into rented, nicer area, better house, no more massive mortgage about to rise leaving us in a worse state, no more repairs. I can up my dmp, pay off the ccj, and stick…
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advice please
have been with mypartner for 3 years now. and have now learnt that he is very bad with money. ive got debts now with cheque cashing companies, loans with bank and a couple of credit cards. now we have moved into a shared house (shared with friends thank god!). and i stupidly said yes to letting the rent come out as a…
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rebate on PPI??
Hiya, im sort of asking the same question as last week as i didnt get any replies so please someone help me!! My mother in law has cancelled her ppi over the phone on a loan with Lloyds TSB, she then received a new loan agreement which she didnt understand! I got her to call TSB on loudspeaker so i could hear them as her…
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feeling very worried and depressed
My husband is an awful lot of debt and although most of them have nothing to do with me I'm constantly worried sick. My finance are in good order only one load with natwest and dont have any trouble paying it. My husband took out two loans last year with RBS each at £5000 and a car loan with another finance company with me…
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dmp ..go it alone or change company ?
I have been on a dmp for 1 year now all was well but now I dont know what to do as it is a fee paying company ( I know you all advise against this but I was very happy with the account manager I had) and they have been taken over by another company, my account manager has left who I had upmost faith in ,she was a star who…
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hello everyone
just wanted to say hello im in serious !!!! and i knew it was bad but didnt know it was quite this bad been scraping my way through month by month but cause of the worry have had time of off work and my wage has got lower and lower month by month just sprialed in to a massive rut. can anyone help im being chased all over…
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Credit report
Hello all, I tried online to get a credit report from credit exprt, but then they emailed me to say they are unable to confirm my identity! The want me to post them bills and copies of my passport and both barts of driving licence. Is this common? Should I send them or just try a different website? I'm new to all this…
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Advice needed!
Hi Chaps I have only posted a couple of times on this forum, I read lots though!.....anyway.. Me and my partner a few months ago joined payplan(they are excellent) and they took over our debts with £100 going to our creditors each month. Now after a lots of phone calls and god knows how many letters from our creditors,…
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CCJ drops off credit file in january
please can some one tell me what effect it will have on my credit file/score experian states im good equifax states poor. many thanks
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OFT & MoJ warning: Companies claims on "unenforceable" or "unfair" credit agreements
Links: Alert on Office of Fair Trading website (HTML) and Ministry of Justice claims regulation site (Word format)
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In a very sticky situation..
Hi, im fairly new to these forums so go easy on me ! haha. Over the past few years i have been lending without thinking about it first and only now has it caught up with me. Recently i applied to rent a property with my girlfriend but we were refused because of my credit rating, the agent said i would be a risk and may…
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Breach of Contract - Debt Sold.
In 2004 I was mis-sold a credit card by a highstreet bank, and after agreeaing to partial responsibility, the debt was reduced and a contract signed stipulating a payment plan (2005) to commence around a year later in October 2006. The debt was removed from my account, and I was informed that payments would be automatic…
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Capquest Advice??
My partner has received numerous letters from Capquest for an outstanding loan (£6k) from a bank when 7 months pregnant, which left her extremely worried with their demanding letters. They offered her a settlement figure etc....she began paying a certain amount each month for past 8-9 months (thinking this was the best…
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removing a default after a personal loss!
hey guys i have just been on the phone to british gas recoveries and was wanting some ideas thrown in the mix right im going to write a letter to british gas to remove my defaults that are satisfied from 2005 i received them not long after my wife died (she was 22 i was 21) leaving me with my son of just 4 months i dont…
