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PaP/Moozie/Rog2's what have/What will you spend today - Thursday 4th September
Well, as Rog seems to be elsewhere (hopefully being interviewed or similar!) and PaP doesn't seem to get online until later being nearly lunchtime I thought I would put a toe into the water and start the thread for today. Simply, by stating what we will/have spent we hopefully don't buy unnecessary things - I understand…
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Buy Back Your Account??
Hi all, hope someone can help me. I got a letter on Tuesday from a debt company i think. It abouts an debt from when I was a student. Now I think I cleared this debt but can't be 100% too sure - and have no records or anything. I did have an acct with the bank listed but aint had anything for 6-8 yrs about it. This is the…
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Desperate!
Hi guys, im new here! Just thought id jump straight in with a question. How easy is it to switch my mortgage from a repayment to interest only and how long will it take to do this? We have no arrears with the mortgage company although our credit rating is bad due to not paying our creditors when attempting to go through an…
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CCJ Advice Needed please
Hi First time here, hello everyone :) I am a single mother who is struggling to raise three kids, complete a degree course, keep the house tidy, do the washing, shopping, ironing etc and try to stay sane!! I hope you can help. I had a CCJ registered against me in 2006 and I have been trying to stay hidden from my creditors…
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A little worried
I have been with CCCS for quite a while now i am paying just over £100 per month towards my debts . I am alittle worried as at the beginning of next year my fixed rate morgage ends so i will be paying quite abit more per month on the morgage . My question is what happens if i have less than £100 per month to pay my…
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How long does it take to update your credit file?
Hey Guys, I used https://www.creditexpert.co.uk to review my credit report, much to my horror i noticed there was an outstanding bill to Vodafone from 9 months ago of £115. I got in touch with them immediatley and paid off the amount in full on Monday. This money has gone from my bank account and Vodafone have confirmed…
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Help!!!
Hi there, I had a default on my credit history logged in 2004. A debt recovery firm contacted me shortly after (the debt had been sold to them) and I made payments for two years and cleared the debt. It is shown as settled on my credit report. I got a letter yesterday from another firm telling me they had bought the debt…
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Hit breaking point - Need advice - Help
Hi all, thanks for taking the time to look at my post. Here is my SOA Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 1810 Partners monthly income after tax....... 500 Benefits................................ 166 Other income............................ 0…
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Thursday 4/09/08 What small dfw things have you done 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…
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Got my first DD cancellation letter
Since we signed up with CCCS, got it from Egg this morning. Do I just need to ignore it? Also, does anyone knoe what time in the evening creditors are allowed to phone you til? I had someone (think it was littlewoods) ringing at almost 9 o clock last night. I know it's not late but I think it's the latest one I've had. I'm…
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**Daily Chat Thread*4th Sep 08*
Feeling better today (a bit) so back to work.... Here's todays list - BB - I have no idea what the gibble thing was on yesterdays list - but I did see a thread for someone on the old style looking for a jaffa cake muffin recipe! Sees ya all later...... Thursday Thrills- Bathroom and Study/Pc Area Level One Clean floors in…
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Would it be best to go Bankrupt
Hi I have a total unsecured debt of £25000 from about 5 years ago.Some of these debts have since been sold on to debt collection firms.Has i have no assets as such would it be better to declare myself bankrupt?
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Random 'should really be in bed, but can't sleep again!' post....
Why is it that so many threads on other boards descend into a fight!?!:confused: With the exception of OS, I think this is the most civilised board on the forum! A dodgy :grouphug: for you all..... There. Random post finished. And I'm not even drunk :o :eek:
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Can someone explain....
How Payplan works and if they are good? Its just that when I looked at the IE the Expenditure is alot more than the Income and that doesn't include most of the debts!! Just wondered would they reject an application because the Outgoings was more than earning? Thanks in advance.
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management plan
Hi, Has anyone had anything to do with ValourFinanceGroup, they have offered me a debt management plan. Please advise. Thanks
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About Triumph Asset Services interest charges.
Hi everyone I'm not sure if I'm doing this right or if a similar problem like this has already been dealt with else where on this site. I'm new so pls bear with me. I am desperate for some advice as the community legal advice have closed my file because I send the information in 2mths too late. I will have to pay and as I…
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stopping phonecalls from creditors
Hi, a while back this waas a thread which had a whole load of links to templates for CCA's, harrassments etc. but i can not for teh life of me find it. I really need one for stopping calls. I had to format my pc last week and lost all my previous templates/correspondence. Can anyone help.
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advice needed
Hi all I'm struggling to pay my loans and credit cards, and don't know what to do ? The problem is, I have 2 houses which I let, (on a mortgage) with enough equity (hopefully) to pay my debts, but as we all know houses are not selling at the moment. I really dont want to stop paying my debts, but feel I will have to. I've…
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travlelodge
hi just in case you missed it travel lodge doing £9.00 rooms Dec to Feb
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Lloyds harassment has started again
A few months ago, I was getting on average 15 phone calls a day from Lloyds TSB about overdraft. I did not answer most of them as they were generally ringing while in work,and did not want to speak in an open plan office. I told them to communicate only in writing, as at the time I was talking to CCCS. Each time I was told…
