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Raphaels Bank....???? Who are they??
Ive just checked my Experian file, and there is a company called Raphaels Bank handling one of my debts.... Who the hell are they??? It states im in 2181 in debt, but I only have a 1000 credit limit???
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Can they request this ?
I have a Aqua credit card, i couldn't afford the monthly repayments of £60+, i missed a few payments and wrote them a letter with my budget sheet, offering them a reduced payment of £15 a month. Im unemployed and wrote in my letter that once i am in work (hopefully in the next few months) that i will be able to pay more.…
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LLOYDS TSB have deliberatley overdrawn me
Hi,i have a loan with LLOYDS TSB amongst other debts totalling £17000 and i've not been able to pay anything for 2 months now but i've had some help from the CAB and they have written to my creditors offering a nominal payment of £1 pm until i get myself sorted out.I got a letter a couple of weeks ago from LLOYDS TSB…
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Wednesday 03/09/08. 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…
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Egg card and default - problems with DLC - I am very worried please help!
Hello all, I'm new here and would really appreciate some guidance. I have an Egg credit card with around 5.5k on it and have been having a rough time recently financially, I'm married with a 20 month old son and the pinch has hit us hard. Payments to my Egg card have been a bit sporadic but I have been in touch with them…
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PaP/Moozie's What will you spend/have you spent today Wednesday 3rd September thread
Good morning everybody :hello: :hello: :hello: It is not really the nicest of days down here - grey, overcast but not actually raining - at the moment. Certainly looks as though Autumn has 'snuck in' with a vengeance this year. :sad: :sad: Anyway - I am spending the morning 'near the computer' as I am waiting for an update…
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*Daily Chat Thread**3rd Sept 08**
Just sent my letter via email to the TV company complaining about my wonky offset TV that upsets me just to look at it....... Oh well, another day another dollar, still mulling over handing my notice in, I know what the OH will say.:mad: . Maybe he won't notice LOL! Fly lady stuff to do today! Maz, I emailed you yesterday…
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I've been really stupid
Guys i'm a old poster from a couple years ago with a new user name, there are a few local friends who know me using my old name and i'd rather this was private if thats ok. Its a long time since i've been here :o My OH had a promotion and I started working more hours and due to help on here our debt was a manageable level,…
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can someone please help explain this I can't find any answers
I have been divorced now for 4 years and split from my ex for 6 years. I left our home with nothing we have to boys who where 16 at the time and stayed with my ex for a while then one came to live with me before getting in relationship and moving out. after a five year battle to get my debts under control and a lengthy…
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DMP acceptance help
We have clicked on the button with CCCS to initiate a DMP - what happens next - will we be automatically accepted and what happens if you're not? Emotions are way more extreme than any roller coaster at the mo :-(
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help with my debt
Hi hope somebody can help me. My financial situation is the following. I currently earn 1020 pound a month after tax. The problem is i have the following outgoings: Beneficial finance £267 Welcome finance £90 Gym 12 months subscription £55 Sky tv and broadband subscription £50 Mobile Fone bill which i im in arrears with…
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Decision made - what happens next though?
We have clicked on the DMP button ... told our families and friends ... and am now terrified again - emotions really do rocket while going through this don't they - last night I was so relieved we had eventually reached a decision and we are now terrified that we won't be accepted for a DMP We have £70k worth of unsecured…
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Debt Management
Hello all Just after some advice please. Im a discharged bankrupt (went bankrupt in 2005, discharged same year) and I have approx £2k of new debt. Its not that I cant pay it off, but im only oaying a minimum payment, and the intrest rates are quite high. Ive been approached by a debt management company who will take on my…
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Egg breaking the law ?
I will be quick and to the point with this as Egg have really wound me up. Basically I have been making a token payment to all my creditors bar egg because they decided to reset my security so I can't login. Fast forward a few days and I get a demand for payment (Which doesn't bother me in the slightest) but they took…
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My Budget
On the advice of others, I'm here reposting my budget! Hello everyone. I recently stumbles across this site, and I don't know if it's generally accepted that I might post my budges for your critiques. I live in Canada, not UK, so bear that in mind when looking at the numbers. If it's not OK for me to put this up, let me…
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How bad is our debts?
Hi all, I been looking on here at peoples debts in general, A question.....Whats your biggest debt you have ever had? (besides a house mortgage) Mine was a car loan for £12k :p
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Bailiffs: A Government petition
Hi there. I am new to this board, forgive me for posting in the wrong area. I'm pretty sure that what I'm referring to applies to most people getting out of debt. I have started a government petition regarding the underhand use of debt collection agencies by local government and utility bill companies, particularly in the…
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letter required
can anyone point me in the direction of a letter to send an offer of what i can afford each month to a DCA. I foolishly agreed on the phone after being pressured an amout i cant afford...i want to send a new offer by letter accompanied by my SOA. thaks
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Car debt help
I bought a car back in 2001 for £4500. After a couple of month I lost my job and informed the finance company I could no longer afford the car.....I could't insure the car because I couldnt afford it, and during the time it took for the car to be collected, it's tyres were slashed and the wing dented. I suspect it was a…
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Here's Hoping!!
Hi All!! I'd just like to introduce myself to you all and see if anyone could point me in the right direction to use this site well! I see that some people have a sort of on line diary, is that a good place to start? Looking forward to any replies and cant wait to get started!! Thank you in advance! Kelly
