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Capquest AGAIN!!!
I have just had post forwarded from my previous office and have recieved a SD for bankruptcy from capquest dated 30 August 2008. From reading the forum I am of the opinion its just a scare tactic, but it has scared me into action and I am worried to death. I had some advice on this forum a while back and went to debt…
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Council Tax - Notice of Distress threat! ... PLEASE ADVISE
Council Tax - Notice of Distress threat! ... An unbelievable council (who shall remain nameless for the time being) have caused me & my family a lot of stress today. I want to share our experience with you ... Brief history ... In the 10 years that I have owned a home I have never had an issue with paying Council Tax. We…
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Nice DCA's??
Have you come across any yet? My Marbles card has been passed onto a company called DLRS. They sent me letters which I didn't open and completely ignored but I was making payments to them monthly. A few weeks ago I decided to bite the bullet and speak to them. Nice bloke who asked why I had got into debt, explained and…
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Marlin are after us again!!plse help!
Hi All, its been a while since we were last on here as things had settled down with our DMP and creditors were leaving us alone but since the credit crunch hit the headlines all has changed particularly in the marlin camp. those of you who will fagueley remember they were threatening us with court action for a ccj against…
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This is me, can you help?
hello all, been on a dmp with cccs for about 18 months. Accumulated a dept of about £55,000 due to gambling. Only told wife 19 months ago (she had no idea and thought we were well off). After a sticky few months thankfully our marriage got back on track and it's now better than ever, although can be delicate when money…
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OH MY GOD MY DEBTS ARE £20,000 more than I thought
OH my god I owe £62,000, I thought I owed £42,000. I have just had a big shock, I have worked out that with the 10 credit cards and 2 loans the total is £62,000. I have to write it down because I just can not beleive it, my partner thinks we owe £42K I do not think I will tell him the full amount he is worried as it is. Do…
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First month as a DFW
Hi As this is my first month as a DFW i thought it would be good to set myself my first challenge!!!! I am aiming to pay an extra £300 off my biggest and also highest interest rate credit card. I have already shaved £18 off my sky bill by calling and changing my package. Sold some cd's for £2 lol not much but it all adds…
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Pay and spend or pay less??
Hi I am just after a bit of advice please. I have a credit card and a catalogue, both of which I would like to pay off, and eventually be in a position not to really have to use them again. After paying all my bills and a minimum payment off of each debt each month I have £100 per week left, however that does not include…
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My Debts Are In My Name And My Partners
I received my NDL pack today, when I spoke to them on the phone I told them that the debts I have got are in both of our (differant) names, (mine and my partners)but they have just filled out the form in my name with OUR incomings and outgoinings and they have got some of it wrong. I am sorry to be thick, but what do I do,…
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DMP - How long do they take to set up?
I'm filling out the forms to send to my creditors that CCCS sent me. It has a box saying when the DMP will start, what do I put??? Any advice would be appreciated as I want to get these letters and token payments out asap. Thanks Nikki
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DMP help please!
Hi I have not posted on here much, but visit the site and read the posts often. I have a couple of questions My husband and i are 4 months into a DMP which we have done ourselves, by writing to all of out creditors. We took this decision, as when we contacted those companies offering help, they hounded us so much, it…
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Payday Loan-Urgent Help Required!
Due to severe financial difficulty I borrowed £400 last month from Pounds till payday. I have been borrowing from this company and re-loaning for a few months now. However this month they didn't take the money on my payday. I cannot now afford to repay them the £538 they are requesting. The payment was due out of my…
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No more credit cards!!
Myself and my partner have been burying our heads in the sand for a while. I have been on a DMP for nearly 2 years now and, whilst I find it hard, I have managed. However, my husband has now admitted he can no longer cope with the rising interest rates and is going to have trouble meeting minimum payments on cards (he has…
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Should I go bankrupt? What would you do?
Hello there, Should I go bankrupt? Yes, that's a question I know has been asked a million times before, and I also realise that only I can decide the answer. However, I've been struggling with debt for years, I'm forced to live with my parents because I' can't afford to move out. I've done lots of research yet I'm still…
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Hello new memeber with questions :)
Hello all quick intro. hi my names fish everyone uses that expecpt family lol i have been building up personal debt for last 14 years infact i have never not been in debt no idea what thats like lol :eek: its now got quite large 28kwas 30k. i have very low outgoings at moment as still living at home so have not missed any…
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Does anyone know of a SOA spreadsheet?
Hi Everyone Working on some money saving tools today and I wanted to set up an effective spreadsheet. I've seen quite a few but they all seem a little complicated and I need something simple like the SOA version. Does anyone know of a spreadsheet based on the SOA budget? Thanks URG
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has anybody had dealings with community legal service direct
I have contacted cccs and ndl about my debt, and the fact that I got my credit cards by telling them that I was working when I was not. I owe about 45k on 8 cards and 2 loans. They have told me that the card companys may not delve to deeply, but I am very afraid of going to jail because of this, and no one knows what is…
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going bankrupt
Hi there, my wife and i are thinking of going bunkrupt. We are both self employed and finding it hard to find work due to economic climate. We are at moment 1 month behind with mortgage and have debts totalling about £7000 that we are being constantly hounded for. To make matters worse our mortgage fixed rate runs out so…
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Credit cards DMP - What are they likely to accept?
Hello all, I will soon be setting up a DMP via CCCS to try and get my many credit card companies to be nice to me and wait for their money! My situation is that although I owe a huge amount of money on cards, I would be able to pay all or most of them if I could sell my home for a reasonable amount. In the current climate…
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The Magical Mystery Tour - SOA added 15th Oct
Hi I am back, I am jobless. And not just yet ready to share the debt again with you.. I am very ashamed of the cc if I am honest. I lost me job yesterday, but I am trying to start positive, I am posted out my cv for one job and emailed it out for another. I am sat here while listing stuff on Amazon. But I wanted somewhere…
