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what should I do???????
Hi just firstly wanted to say that this forum has got me through the past couple of very tough months. I finally picked up the phone yesterday and spoke to payplan about my 50000 debt. They have basically said they can help me with a dmp but after reading things on here I am now very worried. Firstly I owe 25000 to the…
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insolvency help - after being made bankrupt
hi, I was declared as bankrupt in October. my landlady and I were in a dispute over the deposit of my former home (now in council rented), she knew of my insolvency and told the insolvency guys that I was due a deposit and did they want it direct (she later told me she did this to spite me, if she couldnt have the deposit,…
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New to the board & determined to rid myself of debt
Hi everyone, Ive been reading through various parts of this message board over the last week or so and thought Id sign up to participate a bit and hopefully get some moral support. I currently have just over £31K worth of debt and Ive only fairly recently come to terms with the level of debt that I have and the realisation…
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Chased By Mckenzie Hall Through Employers.... Opinions and Advice Please
This week I recieved an email from a company that I work for a casual labour asking me to ring Blah at Mckenzie Hall and give an M ref number. I didnt have a clue what this was so I called gave the ref number then the female asked for my address,I said hang on you are trying to contact me I am not giving you my address…
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Store Card Debt
Hi all, my missus has built up some debt which I've only just found out about. And to be honest, it's the old interest which is building up month by month rather than the actual stuff she originally bought. Anyway, I want to get rid of this debt ASAP, but can't afford to pay it off in one go. Any advice as to methods of…
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Making £10 a day Tips?????
Hi Everyone I have been lurking on the make £10 a day thread but haven't quite had the confidence to have a go as I wouldn't know where to start. I have got a tonne of things to sell on ebay and I have started doing the pay per click but I don't think this is going to be a a relatively sustainable £10's a day. I've seen…
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advice on disassociation
Hope someone somewhere can give me advice on this issue. My husband cannot get credit as he is finacially associated with me (and my default)due to a joint loan we had which is now settled and no longer exsists. Are we technically not financially associated anymore as we no longer have any form of credit or even bank…
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I'm new! Please help me!
Ok, here we go: Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 1540 Partners monthly income after tax....... 0 Benefits................................ 0 Other income............................ 0 Total monthly income.................... 1540.00 Monthly…
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Not sure where to go from here...
sorry double post
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Not sure where to go from here...
Estimated Total Remaining Debt£10413.76Estimated Completion DateMay 2011* * with payments of 350 a month creditors: Barclaycard - 471.52 Capital One - 18756.74 HFC - 1456.52 Bank of Scotland - 694.58 TSB Card - 1431.70 TSB OD - 150.46 TSB Loan - 3415.20 Aktiv Capital - 693.78 Lowell - 223.26 I've just had a phone call from…
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Current debt as of 14/11/08
Just to keep myself right... In order to be paid off: New Look Card: £48...WOO HOO! 28.9% Kays: £215.00 0% (agreed reduced payment plan of £24 a month) Additions: £193.00 39.7% Arcadia Staff Card: £240.00 29.9% Dorothy Perkins Card: £207.00 29.9% BOS Overdraft: £1100 0% (have agreement to pay £100 a month to it) Then once…
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I won court case but now what???????
I took a loan out few years ago with citi financial along with a insurance to cover me if I was off sick. Fate happend and i was off work for 5 months sick. I claimed the insurance and was told my claim was successful. Two years later hillesden securities started trying to collect the money from me. I explained what…
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Sausage or egg with chips?? Can't afford both
Hi everyone.. A sense of humour is definitely needed when in our situation.....OH and I have just been shopping, and on the way back we were deciding what to have for tea. OH suggested, sausage, egg and chips......not unreasonable you may think, but after some discussion and lots of laughter we decided we could only have…
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How do I create a sig?
I'd like to add my details, lbm, debts etc, but I don't know how to do it :huh: . Anywhere I can go to find out please??
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In need of Expert Help
I have been redirected here from another forum after being told this would be the place to come for advice.Rather than go into detail again here Please review the following http://forums.moneysavingexpert.com/showthread.html?p=15860001&posted=1#post15860001 I would be grateful for your thoughts, Many Thanks
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in a bit of a muddle can anyone help??
i have a query about my credit file which is: i have a default from a bank which says satisfied. i believe this debt was passed on to a debt recovery agency. does "satisfied" mean the debt recovery agency have payed the bank? why does the outstanding balance to the debt recovery agency not appear on my credit file? the…
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Feeling a bit....blue
I've just had a meeting with my friend, who has just retrained to be a financial advisor. We've been friends since we were 10 and she knows almost everything there is to know about me, but of course finances are a different thing (although she knows the past few years have been hard). She's helping me to remortgage and she…
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Triton
I've read previous threads by people being given legal action by these and wish to ask you helpful people for advice as I have been contacted by them also. I ran up £1200 on a Mint credit card. They want this is 6x £200over 6 months. I also have other outgoing's and the £200 per month they request from me leaves me potless…
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any recommended credit agency ?
I am starting a DMP and have spoken to a couple of credit agencies and one charges a fee and admin charge monthly, another is Payplan and they are free and apparently charge the creditors for this arrangement, not me. What;s the best arrangement please as I want the best possible service to me which I suspect would be the…
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Long term overdraught - consequences with bank?
I've got some money worries and hoped someone might be able to advise.. I'm really bad at managing my money, and since moving to London a few years ago and having to pay a big rent deposit/buy furniture etc. I've been mainly overdrawn. I got out a loan with my bank to pay off my cc/od debts but then my flatmate moved out,…
