-
Young, stupid person in need of help!!!
Hi guys :wave: I'm new here. Kinda hoping you guys will help me with your infinite wisdom :) Basically, me and my OH have been living together for 7 months in a privately rented apartment. He has paid the bills and I paid the rent as they both came out at pretty much the same amount. At the time we were both working full…
-
Next Account Default
Hi everyone, Hope someone can answer my question?? I had a next account which is showing as defaulted on Equifax, I have now partially settled the debt and received confirmation from Next that my credit file will now be updated to show partially satisfied. Will the default still be on my credit file?? Thank you
-
redundancy
Morning all, Had some bad news at work and looks like the company might fold before xmas, Merry Christmas and all that. The problem I am going to have is finding a job that pays the same as i get now, I am a secured loan underwriter and had a couple of years experience, to find a job in the industry is going to be…
-
Getting rid of big overdraft
I've got a £4000 overdraft on my halifax current account. It's my main account where my wages go in and all my standing orders and direct debits come out of. The overdraft runs out next April. What I had hoped to do was reduce it by £500 every couple of months but Halifax don't want to offer me more than a £1200 overdraft…
-
Help! Barclaycard Debt Harrassment.
A close relative of mine is very stressed out in relation to an outstanding Barclaycard balance of nearly ten thousand pounds. There have been constant phone calls/letters etc over the last 18 months leading to a great deal of stress for her. I HAVE advised to her to produce an accurate financial statement along with a…
-
Help! Barclaycard Debt Harrassment.
A close relative of mine is very stressed out in relation to an outstanding Barclaycard balance of nearly ten thousand pounds. There have been constant phone calls/letters etc over the last 18 months leading to a great deal of stress for her. I HAVE advised to her to produce an accurate financial statement along with a…
-
Help me to cancel fitness first gym membership
I hope this in posted in the right place, if not I apologise. Im wanting to cancel my fitness first gym membership, its £30pm, im a student and thought I would be able to afford it but I cant! Its with Fitness first on a 12 month contract, ive had it about 2 or 3 months so far. Has anyone had any experience of trying to…
-
DCA texting and writing:chasing me for old loan
I was at Uni from 95-98 and had a student loan to the tune of some odd £4.5k. This morning i received a letter from credit Resource solutions requesting full payment. A few hours later a text on my mobile arrived from them! :confused: asking to contact them. Is this now statute barred? Can anyone advise what i should do ?…
-
Help some advice on debt
I recently got a letter from debt i was ment to have in 1996, am i ment to set up a arrangement to pay it as i do not mind of having the debt
-
Mortgage repossession - changes in November
I came across this - there are new guidelines for resolving disputes over mortgage payments which will come into effect in November 2008. Press release http://www.civiljusticecouncil.gov.uk/files/cjc-new-pre-action-protocol-mort-poss-cases.pdf Pre-action protocol…
-
New Debt Free Wannabe!
Morning Guys & Gals I'm a 20yr old single mum, My daughter is a whole 1 year old in 13 days! I'm in debt, due to a bad relationship, I was put £6k in debt at 16, although that is cleared now its completly scuppered my credit file for the next 4-5 years and as such im just getting into more debt. Im currently standing at…
-
advice re lowell debt collector
sorry if in the wrong forum folks in september this year got a letter from lowell debt collectors regarding a debt owed to 3g from dec 2004, I had no idea I owed anything to them and cannnot recall any letters from 3g asking me about payment, it was only for about £30, i paid them as soon as i got the letter but now they…
-
Tuesday 25/11/08 What small dfw things have you done today???
:D 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,…
-
***Daily Chat, November 25th-1 MONTH TIL CHRISTMAS! Woohoo!**
:xmastree: :xmastree: :xmastree: :xmastree: :xmastree: :xmastree: :xmastree: And I really can't wait! I luuuuurve the Christmas! Work for me today, then gym. Then, home to start cleaning-DH dropped a subtle hint last night ie. 'this bathroom is a tip' grrrrr.:mad: Anyhoo, have a loverly day! :rotfl: :j :rotfl: :j :rotfl:…
-
Can Mint Card take money directly from my Natwest account?
I've got a serious debt problem and am working out my SOA. At the moment I've written to my creditors offering them £5 a month payment until that is sorted. However, I'm really worried because I read (on this board or another one) that a credit card company in the same group as your bank can just 'take' money from your…
-
hfo services (again)
hi all, i am new here, and i was just wondering if any one could give some advice, my partner has been bothered by hfo for a few weeks. and they apparently had spoken to his father back in either june or july 2008, witch i told them, they were mistaken his father passed away about 5 years. now my partner is agreeing to the…
-
application form or cca
hi, just needing some advice. in jan 07 i told my bank i could only pay £20 per month for my cc, so they defaulted my account. i paid their in house dca monthly and never missed a payment. In Oct 07 I received letters from legal and receivables saying they owned my debt, but they were collecting for phoenix recoveries,…
-
Advice needed
I applied for an additions catalogue so that I could use a code I found on here. I was surprised when I was accepted and received my order. I then placed another order and 2 days later it showed as credit rejected. I phoned them to be told that I could not have a credit account and would have to pay back the money monthly…
-
Pay off overdraft with Credit Card
Can anyone tell me whether this is a good idea - I keep getting offers of balance transfers on my credit cards for a low interest rate, my overdraft which stands at about £1600.00 is at about 22.9% apr so I was thinking that it would be better to pay it off with some of these balance transfer cheques they keep sending me?
-
DMP - do they work?
Hi, We have been given a DMP by the CCCS, which on the surface looks great, and will help us to pay off our huge debts in a much shorter time. I just want to be sure we're doing the best thing - are there any repercussions? Are there any negatives from this? It seems like a huge thing to do, especially with the bank…
