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Switching Bank Accounts
Has anyone switched bank accounts whilst being quite deep into an overdraft. How is the overdraft treated by the bank who provided it? Is it best to keep the old bank account opened and clear the OD asap?
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help
hello everyone can anyone help me back in september i recieced a letter from lowell group about an overdrawn current account that was not mine and i was advised to send the prove it letter now lowell have got back to me and sent a pile of bank statments from the overdrawn bank account it is my name that is on the bank…
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FOS have sent me a complaint form for Marbles Credit CArd
I have recieved a form from FOS with regards to my ongoing CCA request/complaint with MArbles. FOS have prefilled some data - my name address etc. They have also filled in the "..your complaint is about" with Complainant is unhappy that his credit card provider will not issue a copy of the original credit agreement & have…
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*mbs1's* Diary..Updated SOA attached
Me and my partner have decided our debts have got a little too much to handle... Ive been living off Overtime for a while, and now its stopped im not able to repay my creditors. Im waiting for a pack from the CCCS but here is our SOA to see if it looks right or wrong... Statement of Affairs and Personal Balance Sheet…
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Best way to clear CC debt
Hi, I'm looking for advice on the best way to go about clearing my credit card debt. I'll give a quick history of how I got myself where I am today and hopefully someone can advise me on the best options to clear my debts from here. I got divorced around eight years ago and took around £7k in debt out of the marriage. I…
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my soa
Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 950 Partners monthly income after tax....... 700 Benefits................................ 150 Other income............................ 0 Total monthly income.................... 1800 Monthly Expense Details…
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Buy Now Pay Later
Hi, could someone please give me some advice? If you buy something (buy now pay later) and are then unable to pay for it what are your options? I'm asking this for a friend so can't give any more details. Any help much appreciated.
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ccj
Hi - please can anyone help. We owed a feed merchant £3000 (now £5,423.90 after interest etc.)but they turned down our offer of monthly payments and took us to court but ended up accepting a lower figure. This we have been paying every month for the last year but we have just received a letter from the High Court…
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PLEASE CAN I HAVE SOME HELP OR ADVICE!? First time user
Hello everyone I am a first time user of the forum and I am desperate to become debt free after spiralling into the credit trap. My current debt is split as follows Credit Card one - Balance of £3500 Credit Card two - Balance of £2000 Credit Card three - Balance of £1500 Overdraft - £7000 Loan - Total remaining £2980…
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de-linking form
Hi! I have just heard Martin on the radio (unfortunately only caught a little bit of it :( ) and he mentioned a de-linking form which de-associates you from an ex-partners debt(s). Andrea was very kind and directed me towards Martins Radio 1 questions but it says its only updated monthly - does anyone know where I can get…
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Advice Please
Hello , On DMP with CCCS had letter saying 1st review now due as been on DMP for year now. Mrs Credit Monkey a couple of months ago started earning abit more money but we are still struggling on DMP, how much scrutiny do i come under on the review and will it be questioned/ looked into if i say her wage has not changed.
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Getting a 2nd graduate account
Is it difficult? I'm thinking either the Barclays or Abbey is the best option... Should I mention that I'm using it to clear debt? (Part of my other graduate overdraft and some credit) Or will that work against my favour? I'm in my first year of being a graduate (I graduated this year)
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If I Use My Overdraft Will That Affect My Credit Rating ?
Hello there I thought i would write you a quick message this afternoon to see how you are and to say that i am having some money problems this year, and that it is now starting to worry me. I currently have a overdraft of about eight hundred pounds with my main bank account. I am currently using some of this overdraft…
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Guide to requesting CCA's - please help
Hi, Please forgive me if this information is posted on the forum, I have trawled through and all I have managed to gain is a headache! Can someone quickly explain the request for CCA's? What exactly you need to do and what can be accomplished? Perhaps a link to a fools guide? Any advice would be greatly appreciated. Many…
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Letter from Clarity DCA
Hi, this morning my partner received a Notification of Instruction from Clarity requesting settlement of a debt, which we know nothing about. The Client is stated as Cabot Financial which is also a DCA. We have not heard of either company and have no clue what this debt is from. How should we respond as the debt is…
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template letter to freeze intrest
anyone have a link to a template letter to a creditor, asking to freeze intrest on the acount?
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Surveys
Any1 reccommeend any good survey site that pay cash or vouchers i would really like to earn a lil bit of extra cash as currently on maternity and lil baby to clothes and feed nappies etc etc etc ............ wouldnt have it any other way tho lol
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How do i deal with Bcw
We had an agreement for £10 a month on 2 accounts i have with them and i have been paying them for over a year now, in august they reset up the dd to come out on the 25th of each month rather than the 27th like it had always been and told me they could only take dd's on the 1st or the 25th so i asked for the 1st as i don't…
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need some reassurance from mse old timers! lol
Hey everyone! I am really just at the start of my DFW journey and just wanted to know that there are MSEers out there who have been in for the long haul and come out the other side debt free? My debt seems small by comparison to some peoples, i have the debs in my sig which i need to pay off and i also have a consolidation…
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oh dear
hi guys, i am looking for some quick help here, and hope there is somebody out there that can help us. It currently looks as if i wont be piad for this month on the 28th as usual, this will mean all the mortgage, credit cards and loans and debts i have to pay either by DD or deposit, not getting paid, or rejected etc what…
