-
DMP's and the future
Hi all I am new this whole thing. I/we have always been in debt but things I think are starting to get out of hand. I rang CCCS today and have an appointment to talk them in a couple of weeks,inthe mean time the advice I was given was to stop all direct debits to creditors and set up another abnk account to which we get…
-
Rule of halves
Hello everyone, I was wondering anyone is in a position to answer a question in relation to the Rule of Halves, where you can hand a vehicle on finance back to the finance company once you are half way through the agreement? I purchased a vehicle on finance a couple of years ago on a 5 year finance agreement. I made the…
-
PPI reclaiming success
This is to say a huge thank you to everyone that helped me on this site. I reclaimed my PPI for a loan from Lloyds TSB. I wrote 2 letters the first was the excellent template from this site and the second was a response regarding 'age' and 'illnesses'. I have had a response from Lloyds TSB today and we have successfully…
-
Can I get my card back?
Hi Paid reduced payments to Capital One for six months, have now brought account up to date, still get a monthly statement and no DCA involved Do you think I can now ask for a replacement card, I cut the original up (!), and start using the account again? Think this would help my credit rating Has anybody done this?
-
Hoping to get it debt free ASAP
Hi All, Second post yea :) Posted here a couple of weeks ago, stressing about a credit company who I owe :mad: own fault!! So I have now decided to get all my debts together and get rid of each one ASAP. Going to post them on here and if anyone has any ideas of what would be the easist way to do it I would be so gratefull…
-
First Time Poster
Hey, I'm Dave, and I'm new to this so lookin for some help. I currently owe HSBC £9886.20 of which I pay £250 a month off but that's not a prob. I have got a debt with Buchannon Clark + Wells for an 02 bill, I said last week I'd pay £45 a week off but cannot afford that. I have transferred them £25 today and was wondering…
-
DCA lies
http://uk.youtube.com/watch?v=LBUfVaTPGrI
-
Help Please!
Hi, I'm new here and I really need some advice. After reading some of the other peoples threads, I know my debt is quite small but it still really bothers me. I am already paying back a loan of £7000 from lomard direct that went to Connaught Collections (1st Credit). I have only £1200 left to pay...this will take me til…
-
dumb Q i think!but does quidco still do daily click thru's?
hi can anyone tell me if quidco still have the daily click thrus to earn extra money? if there is a thread somewhere could someone guide me to it? the freebies quidco thread doesnt seem to say about the click thru's??:confused:
-
Barley wine
Hi , Was Wondering Where I Could Buy Barley Wine We Live In N.ireland Thanks In Advance...........
-
Is there anyone else out there still with no heating?
bbrrrrrrrrrrrrrrrrrrr!!!Anyone else not got their heating on yet? we are having our 1960 boiler ripped out as it has died so i have no choice but to have no heating at the moment (BUT even if it was still working i wouldn't use it as it costs a fortune!) We have one oil filled radiator that we move around the house ( we…
-
mortgage arrears( re capitlisation)
Hi all, Just thought id let you know that not all mortgage lenders want to reposses your house, I have 2 morgage accounts with the yorkshire bank (dont know why its for the same house) but i have been in arrears with them for over a year paying back small amounts every month. The total arrears now stand at £1320 and £1260.…
-
Claiming bank charges when in hardship help please
We are in financial hardship and are registered with the CCCS. As of yet we dont even earn enough and are only paying £1 back to each creditor. (I am currently unemployed seeking employment) Anyway, we have been charged in excess of £150 or even £200 by the HSBC over the past 6-8 months and I would like to try and claim…
-
In desperate need of a hug!!
Not having a good day today, feeling particularly down about my financial situation. Owe approx £35k over 16 creditors and about to start DMP with CCCS. In addition, approx 1 month in arrears with secured loan but have dd in place for monthly payment. Have spoken to them fairly recently and explained that i dont want to up…
-
Council taxt over 12 months - apparently getting tougher to do!
Hi because i'm looking likelyto lose my job in the next few weeks i've starte. d to reign everything in, starting with the council tax! I was amazed when I rang to be told "we need authorisation and an SOA to do it now as the council are tightening proceedures!". I explained I was be proactive and she went to a supervisor…
-
Help please - First Credit Legal Procedings
I have just received a letter from First Credit saying they intend to start legal procedings. This relates to a debt they took on from Goldfish, with whom I had made an arrangement to pay a monthly amount. I wrote on Sept 19th, asking for a copy of the CCA, but this has not been forthcoming. I have sent two payments to…
-
Result on cca request. thanks all on mse!
Well, I recently joined mse whilst looking fo help and advice after receiving a demand from a DCA regarding some debt they had bought from a company I've never dealt with. Having swotted up on templates and advice etc. I sent the cca template with a P.O by recorded delivery. I couldn't get proof of signature for it though…
-
Bank Account In Recovery?
Acouple of months ago I put called my bank and disussed my affairs with them as they were ending my overdraft and I couldn't afford to pay it back. So they got all my accounts with them, lumped all of the debts together and agreed that I pay them a certain amount a month. Basically, I wondered what this is called, is this…
-
Is Now a Bad Time to Consolidate Debt?
I have some 'old' debt from storecards, credit cards etc, and I want to sort out my finances for good. I have sat down and made a realistic budget, made sure I am paying for things as cheaply as possible. I was thinking about taking out a personal loan to consolidate my outstanding cards so that I can pay them off, but I'm…
-
Should Pay My Debts Off?
I currently have £2200 in my A and L ISA and Alliance and Leicester have just given me an overdraft of £2400 (£5 per month charge on Premier Direct Account).........my outstanding loan balance and rate is below. Should I pay off my A and L Loan and just have the Tesco one left??......I don't know whether I should as its at…
