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debt crisis advice
Hi can some one advise me. I am going to offer my creditors a token payment as I am in debt crisis I have more or less the same outgoings as I have income. I have £840 a month income and shaved down outgoings of about the same. I have a few unsecured debts ranging from 220 to 3900 about 6500 in total. My question is could…
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Competitions...
Being a person who has never won a competition in here life...i just wondered where do all you guys go to to win these? or at least give it a go to win? im curious :rolleyes:
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My new Debt Free Diary
i know your all probably thinking oh no not another diary but i want to document my debt free journey: so far i dont know when i will be debt free but hopefully before i am thirty (thats my aim anyway :T ) so my SOA is: Income Wages - £620 after tax etc expenditure Rent £240.00Gas £25.00Electric £25.00Food £80.00other…
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Please help not sure which way to go
Hello, i have been made redundant and getting £4000 pay off, i have 3 credit cards which i have insurance for but have just bought a car which i dont have insurance for, £330 a mth, I will have to sign on to activate my insurance but will i be able to if i have had a pay off of £4000? I also would mind trying my own thing…
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Help Credit Card Charges !
Hi everyone I just wanted to ask some advice, I am trying to pay my tesco credit card off, the balance at the moment is 2108, the balance on the previous statement was 2130. I have paid £74 this month, and I have received an interest charge of £26.52 and £1.45 and a late payment fee of £12 and overlimit fee of £12. :eek: I…
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Leaving false economy behind ... my blog
I've just spent time typing out the start of this blog, only for it not to post 'coz I got timed out. Ok, lets start again and do frequent post previews ... Starting this blog in a bit of a pinch ...* Power steering not working on my car * Freezer packed up * Washing machine making weird noises I thought I'd do something…
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The boredom is driving me crazy!!!!
I've not spent a thing all day. I'm sat in on a Saturday night browsing through the same websites over and over. I'm thinking about the fun and frolicks in town tonight and wondering why I'm am drowning in teduim. AAARRRRGGGHHHH!!!!! Is it just me?
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CCA thoughts?
Guys, I got roughly 10 creditors. Does anyone recommend me sending off requests to see the CCA's?
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Skint_chick turns things around
too much info
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Dispute over CCJ?
Hi everyone I studied a course at college at 2005, was on benefits at the time (carer to my so called disabled ex) so they let me pay weekly. One month they added £40 onto my bill without warning, stating that they had lost proof of payment for this amount and therefore assumed I hadnt paid it. I then stopped paying for…
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HFC Bank Letter Help
Guys offered HFC Bank £400 for full and final payment on my credit card with them which they have refused and responded with following letter. ********************* Thank you for your recent letter, the contents of which have been noted. Please be advised that your offer of £400 in settlement of this account has been…
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Help/advice please
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Question Please.
Hi all, Was just wondering if somebody can answer something for me please? Can you pay A+L credit cards or Virgin credit cards with the giro slips at the PO or in the bank with cash? I do have DDs set up for minimum payment and do make extra payments over the internet from my current account.The reason I'm asking is that…
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New, advise please
Hello all, I am new here and really looking for some help and advise, i am currently in debt that seems to be getting out of control. Loan with Egg been running for 2 years, Pay £324 a month has 3 years left to run. Loan with Halifax, run for 6 months, Pay £289 a month, has 2.6 years left to run Credit card £2,000 make…
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pounds till payday
Hi ive had recurring loans with the above company for months,original loan was £300 and interest £89 a month whic i pay then take out again,my problem is that last month had a problem with direct debit and couldnt pay,somebody rang and made me arrange to pay this month on my payday,amount now is £458,i cannot pay it as…
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SOA calc not loading up properly
http://www.makesenseofcards.com/soacalc.html Is this working for everyone else? When i load it up i just get the bit down to the present section and nothing else so i cant add sections or load up data from previous goes
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is this letter ok?or do i need to add something??
Hi guys i took out a loan with egg and paid an upfront ppi payment of £5,427.00 in november 2006, since march 2008 i have been on a dmp so am not able to claim ppi anyway so am looking to get some of the ppi money back. CCCS have told me to write to egg and ask for it back so i have used this template letter from martin is…
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Little question re DCA's
Hi all, I've just recently had a debt transferred to a DCA that I've been dealing with for another debt. However when I contacted them this morning they requested my employers details. Now I don't mind confirming I'm employed full time but I don't wish for them to hold details of my employer on record - are they legally…
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Casual about my debts
My first thread in here. Be gentle with me :rotfl: For some reason I'm a bit too casual about my debts. With all this recession talk I still seem to be quite casual, should I be worried? I got 2 credit cards that are £4k and £2.5k on it. Got a loan with my bank which is currently at £3k and overdraft at £1.5k (which…
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Lloyds TSB Collection Centre - Brighton
Hi I have a DMP with CCCS and things are going okay, however I am having terrible problems with Lloyds TSB in so much that I can't contact them. Does anyone have a e-mail address for anyone in the collections team because if I call I end up in India if I write they ignore me and the same goes with fax. I am sure they will…
