-
Have I done something wrong?
Hi, all, Cut it short, I have a DMP with CCCS, and those lovely people at Moorcroft have 2 accounts on there. now I have never missed a payment and with 2 babies have been paying the minimum of £5.00, and Moorcroft (non of the others) paid me a house visit twice in 2 weeks! so I have to fight back I thought:A Asked them…
-
pay off overdraft or credit cards
Hi I am being asked by my bank to consider changing my £3k overdraft (over the limit) to a personal loan. However my parents have offered to pay this off. However I have 2 credit cards with a balance of £3k each which I am struggling to pay off, I can't afford to pay more than £65 off the balance each month. Can someone…
-
Have you told your family about your debt?
Only me, asking more silly questions! I've been on a DMP for nearly two years and I've just convinced my Husband he needs one. So now we will be without credit cards etc and things are going to be tight for a few years. The thing is, for those of you in the same position, have you told your family. ie your parents etc I am…
-
Hsbo
Hi, I am recently going through a DMP with CCC's, I keep on getting phone calls from the halifax about my personnel loan, I have told them my situation, and we agreed that I would pay £20 token of payment and they were ok, my problem is they told me to go to my branch and pay it over the counter, the halifax told me they…
-
Barclays Bank?
Guys I am trying to locate an address for barlcays bank so I can sent a request in writing for copies of my statements.... Can anyone help? had a good look on the internet but with no success.
-
Clearing card debt
Hi All, I currently owe around £8k on 2 credit cards, which are interest free for at least 4 months from now. I've decided to set myself a challenge to see how much of this I can pay off with just selling things I have on eBay - have bought a lof of things over the past years which I don't use so will try to get all…
-
Do I stand a chance of winning in small claims court?
I gave an ex £500 to help him pay his debts off (mad yes I know) about a year ago. I sent him money through the post, in cash. Circumstances have changed and I'm now looking to recover this money. I have sent several letters asking for him to make contact to sort this, as has a solicitor (he reported me to police for…
-
Help with bankruptcy
I could really do with some advice. My wife and myself are thinking of going bankrupt. We have a house which looking on internet at homes in our area is worth £155k ish. We have a mortgage of £141k and a secured loan of £5k. We are at moment 1 month in arrears with mortgage. We are both self employed due to being made…
-
Urgent help/advice please!!!
Hi, My dad has been suffering from depression and recently been admitted to hospital with serious health problems. Having been through his unopened mail from the past 12 months he has had CCJs, owes council tax, Inland revenue and a couple of other debts. The bailiffs have also been round He has been unemployed for a…
-
OCTOBER Make £10 A Day Challenge
:wave: Hello newbies and regulars welcome to another challenge! Batgirl started this challenge over a year ago and is now taking a well deserved break, mizmir and I have alternated with it for the past few months - my turn to start the thread for October, but mizmir is also acting as thread monitor - so you can pm either…
-
1st credit automated message
Just received a phone call from 1st Credit. It was an automated message asking me to phone them back. Didn't get a chance to make note of the number before the message finished. Anyone else had one of these. The only previuos dealings I've had with these was briefly on my Citi Card account. Debt now reverted back to Citi.…
-
its a long way ...
hi the love of my life walked out two years ago,joint morgage .traceless apparently.my home has been repossesed & very luckly i have a HA flat.I have a full time job,joint personal debt of 35k:eek: .i have a dmp.i dont drive & social life is a meet up with a girl friend satpm !! i am looking for any advice on becoming debt…
-
F And F
Hi. I am dreaming/hoping to be able to offer f and f for my smaller debts in the next few months. I have 2 over drafts with smile on DMP but still with Smile. Does anybody have any experiences of Over draft f and f epically with smile. Many thanks
-
Update: What makes the most financial sense
Hi, I just wanted to update those of you who were so kind to give your advice a couple of weeks ago. My wife and I, after much discussion, have decided to go ahead with our original plan to sell our house to clear our debts, rather than accept the offer of a loan from our relative. We've told the relative, who was…
-
CCCS and Experian?
Guys on my CCCS monthly statement is states I owe around £12,800k to the cooperative bank but on my experian report it states just over £14k... Anyone help?
-
How to deal with Moorcroft
I have 3 Egg debts which they passed on to Moorcroft. The ccs and one loan total about £11,000. For the last couple of months I have kept them at bay with token payments of £5 per account,truly all I can afford. I have explained my circumstances as below and the y have now requested £120 per account. They are threatening…
-
Experian Report Problem?
Hi guys, just got a report online frome experian to check everything out. I owe around £43k but on my report it states I owe £17k... :eek: So where do I stand guys, havent got a clue whats going on?? Please help..
-
Wescot and CCA help please
Hi, I recieved a letter from Wescot yesterday in my old married name, claiming that I owe them just over £200 for an old catalogue account. I did have an account with that name and I did get into debt with them, but I did make sure I bought the account upto date so everything was payed off. Anyway, moved house under 3…
-
Sunday 28/09/08 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…
-
Debt not on credit file?
Hello, hope someone can help me. I did write yesterday but got no response. I had a credit card with Tesco (RBS) and when I finally plucked up the courage to check my credit file, it's not on there! I admit, I have ignored my debts over the last two years. The last letter I have from that debt was from Nov 2006 and nothing…
