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Newbie Help!
Hi everyone posted on MSE - ask a "cccs advisor a question", have been overwhelmed by how nice everyone is. I am having money worries, OH self employed, business really bad, i have filled in Debt remedy on cccs web tring to convincd myself this is the way forward. But like alot of you guys have felt at some point feel as…
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what order should i pay my debts in?
Ok i need some help in what order should i make overpayments to first to get them gone, then what one next etc. New Look Card: £51.29 28.9% Kays: £213.00 0% (agreed reduced payment plan of £24 a month) Additions: £170.85 39.7% Arcadia Staff Card: £230.91 29.9% Dorothy Perkins Card: £207.00 29.9% BOS Overdraft: £1100 0%…
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For those of you with kids and have split up with OH
I am after some advice. I am trying to get the financial side of my split sorted and I just don't know what to do? My OH wants us to stay in the house so we can keep some normality for my little girl and she doesn't lose her school place. Now I could just split all the finances half and ask for that amount but part of my…
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my dfw thread!
ok so ive done pretty well but im getting annoyed with this all being round my neck! so im going to list here my debts and hope someone can give me some kinda advice as what to do! i started off last year with over £8000 of debt, not too much but more than enough when on £47 per week! now my current debts stand at this:…
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Bank help
I am currently in £500 debt with the bank and a good slice of that is going to be bank charges for being over drawn. Basicly i am sick of halifax becuase of the £35 banking charges. I know i shouldnt have gone over drawn but i was a week late getting paid and i need to live. My question is what bank could i transfer my…
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HELP Bankruptcy reposession which way round!!!
Hi I am new so please bear with me will try and keep it short!! My partner and I entered into shared ownership property 2 years ago( regret doing so now!!)At the time it was our first property we were so excited!2 years down the line not so good.The flat was original valued at 130k so our mortgage is for 65k.Due to a…
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Equifax Credit Report
Hi .. hoping someone will be able to help me here. I recently had my credit card limit reduced, and the letter stated I should contact Equifax by sending them two pounds ... so I did. Today, I have recieved a letter from them stating I should fill in the enclosed form OR could go online and for the reduced rates of about a…
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Nationwide Personal Loan
Please can someone provide me with advice re the following I am on a DMP with the CCCS, and the Nationwide are my largest creditor. My original loan with them was 8k which I have barely scratched the surface in reducing in 2 years. I now discover that 90% of the monthly payment I make to them (via CCCS) actually goes…
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Lloyds offering me some kind of loan?!?!
Just the other day realised that Lloyds have been charging me ppi on a £10K loan and cancelled it. Now today I received a letter from them offering me a CSU insurance rebate loan, the amount they've quoted for is £600 payable over 6 months (already paying out £700 per month on debts through the CCCS). What is this?!? Am I…
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Advice needed for struggling brain...
Hi, I recently started a new job after having 10 months off due to very poor mental health. I've been treated for depression and anxiety for close to 8 years now, but only in the last year have I had treatment that really works and is making me feel better (moving into an area that had better mental health care helped).…
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Bank Account ruined by PayDay loan, default threat, HELP!
Hi there, I'm looking for some advice, on a pretty serious situation. I'm a student, and at the start of summer I was pretty skint from last year of uni, so rather than doing something sensible like borrowing from parents, I decided to take out a £400 pay day loan. I'd done a couple of these before and always had the money…
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What the?, when did that happen ? & what can I do about it ?
Hi all , today when the postman called today he dropped of our latest MBNA CC statments.:o So having a few minutes before having to head out I thought I'd update our online snowball calculator:j, (I normally forget and do it as one big hit every [strike]couple of months[/strike] now and again) :rolleyes: Now I've have had…
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Has anyone here got any experiences with CAP they could share with me please.
Ok finally admitted there is a problem, Contacted CAB who couldn't help they refereed me to CAP. This morning I had my first meeting with two lovely ladies from CAP but just going through it all and trying to make sure we hadn't missed anything has left me feeling really low and tearful. I suppose I just want to hear if…
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Clearing my card balance
Hi, long time reader, first time poster! I got fired from my job earlier this year, and have only managed to get permanent employment again just recently. During the time inbetween I made a little money teaching music, but no more than I would've got on the dole. My problem is that I've built up about £900 debt on my…
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Some advice please!
Hi All - it's been a while since i last posted but i wondered if you lovely lot could give me some advice? Right, i rec'd court papers regarding my hsbc credit card some time ago and filed an acknowledgement of service. In the meantime, i cca'd them an waited for their response. The upshot is that i completely…
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CCA request letter - help!
Hello there. I sent a cca request letter to Apex Credit Management in Stratford upon Avon (they've taken over my £480 Barclaycard debt) on the 11th Nov, and have just received a letter back from them, threatening CCJ's and all sorts. They haven't said anything about my request or the credit agreement, or the deed of…
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Allied International Credit
I recently received a letter from Allied International Credit chasing an outstanding balance of £300. Not knowing what this amount related to, I called AIC and was told by someone (who did not know the meaning of a polite telephone manner), that it was the amount I owed from a Nat West loan from 2003 which I know nothing…
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12+2+30 default letter
Hi Has anyone a template for a 12+2+30+ default letter. I keep searching this site but cannot find one. Any help would be much appreciated. I originally sent Virgin MBNA the 12+2 letter. In response to this they sent me on 3rd October a signature strip only and then separately sent terms and conditions typed on plain…
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Can I get a new Mortgage with DMP?
Hi Have just started my DMP (3rd payment due on 1st Dec) and everthring is going OK, creditors have started to calm down and accept payments etc. My current mortgage deal ends in Janaury and reverts back to the standard intrest rate (at present I have a 2% discount, though with the recent cut even if I keep this mortgage…
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The best way to clear a large debt - advice needed please
I am looking for advice on the best option out of the ones I have come up with to clear an old business debt of my husband's. The business is really no longer in existence and he only does one freelance job a month for it just to bring in a bit of money but this is only £120.00 a month before VAT and tax (I have calculated…
