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Just saying hello
Hi, I'm not in difficulty with debt as such but soon will be if I don't get my head in gear and things sorted! Not sure if I have posted here before but if I have it's a while ago. OH and I have just over £30k of unsecured debt with minimum repayments of around £800 per month. I do know the exact amounts down the the penny…
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need help
I have anoverdraft with natwest that has now gone to their collections department. I have spoken to them albeit after they requested. They have given me a figure that i can pay per month but say that they are still going to get a ccj. I do not understand why if they are happy to give me a figure to repay.Can anyone help?
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Inked Spending Diary.............
Heya, I thought I would follow suit and do my own spending diary. I think this will help until I get into a good money saving frame of mind. It also feels nice to be able to be completely honest about my finances and spending habits and it would be great if you could kick me up the backside when I screw up like I have done…
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Getting Oh So Fed up with it all :(
Hey everyone This may be a bit of a downer post so i'm sorry if i dishearten/upset/annoy anyone. I havent been on here long and already i am getting fed up with debt clearing :( I think its probably because i have gotten to the end of the month now, its the last few days before payday so i havent really done anything to…
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Strange CCA Situation
Following advice gratefully received via this forum I requested my CCA back in February from a DCA who had bought my HP debt. Despite two follow up letters when they failed to produce it I have still received nothing in writing from them but the phone calls stopped. After a while the phone calls started again so I…
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Credit Card Debt Advice Required
I had a credit card back in June 2001 and when I moved out and contacted them to give my new address. I ran out of the payment slips and they never contacted me so I forgot about it. I moved twice since and they never wrote to me at any of my new addresses.. I have just got a morgage when I recieved a letter 13th September…
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Old debt was not aware of!
I'm sorry if this has been covered, and I have been looking through the old threads, but I just don't understand some of the terminology and wondered if someone could help me. My partner received a letter at his mother's house about a week ago from 1st Credit saying that he owed approx £1500 from an account he had with…
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Advice please!
Hi! This is my first post, just looking for some advice. My OH and I have managed to get into a bit of debt, which on my part is under control, but I'm worried about OH as his just seems to be spiralling. My overdrafts/credit cards are all interest free, although the largest one runs out in January. OH's are all high…
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Capquest and increased payments
Hi there, hope someone can help with this. I have a repayment plan with Capquest for a debt with Egg. I've was paying £36 a month, and a year ago or so they upped this to £50. I've always paid over the phone or on their online system. I've had a letter today asking me to complete the attached DD as they've done a review…
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Help Please, so much to sort out!
Hi Everyone, I hope you can help me. Me and OH have a business which we have decided to wind up, (long story), but WANT and need to do this. Unfortunately we have unsecured debt to the tune of £30k. When we sell the business we should have around 16-18k hopefully which we can put towards the debt. Thats only half of what…
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Pre Budget Report EH?
Six months ago the PM was saying ....don't waste food,.... don't get into debt..we've all overreached ourselves and need to be thrifty which is music to DFW's ears... ...Today it's spend spend spend and save the country from recession. Just slap on to the credit card and suffer later... what a mixed message.. ..:confused:
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been offered a council flat
hi everyone i lost my business went bankrupt jan 08. in rented lovely cottage now but struggling to get off benefit as single mum, rent 450 and get 380 h benefit as on inc support. desperate to improve my circs but if i get a job prior to discharge will have to declare any surplus / will lose any h benefit. been offered a…
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Link Financial Good News
Well today the judge suspended my order for my car..................... And repeatedly said what a useless company they were with respect to their contacting people to pay. She also said One doesn't know what the other one is doing which is all to true thank you for all your help
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Equita Advice Needed Please
Hi Please can someone give me some advice ref Equita. I am being chased for council tax arrears and the outstanding sum is now £634. I have been making payments of £50 a month to clear this direct to the council as Equita refused to allow me to set up a payment plan. The council have refused to take the debt back from the…
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Barclaycard & Lowells
Hello All JUNE Started with letters and phone calls off lowells saying I owed £2350, an old barclay credit card debt that was originally £1000. I made the mistake of getting in touch and paying them £100 off the debt, we arranged to pay off £50 a month until it was cleared. JULY They said pay us £1500 settlement figure and…
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Pigsback
Is it just me or has Pigsback died a death. I can't actually remember the last time I got a click through and they have put the number needed for a voucher up :mad: Does anyone actually do this anymore?
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getting there slowly
hi ive been cutting back with a vengence to get debt free asap so i wrote to my two largest credit cards (MBNA & Skycard) asking for them to lower the interest rate saying i got advice from a debt councellor (not exactly true) and also asking for a copy of the original agreement. Im not behind with payments but thought it…
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12+2+30 day letter
I have been chased by a debt company now for a loan that they say i owe them for credit card which is now very old and i think has been paid off through a CCJ a couple of years back i have sent them all the relevant letters. I waited for there reply but the time limits have now expired. They have now sent me a credit…
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What to offer creditors
im currently with payplan and paying back a total debt of £41,000 with about 5 years left. im in the lucky situation to get my hands on funds to pay off the amount but not fully. if i offered each creditor a set percentage to clear it what should i offer them? 50% 60% 70% i dont want to anoy them just pay them off. any…
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my soa and lightbulb moment
Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 1473 Partners monthly income after tax....... 0 Benefits................................ 0 Other income............................ 0 Total monthly income.................... 1473 Monthly Expense Details…
