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What is the £10 a day challenge??
Seen it on other threads about people doing the £10 a day - what is it? x
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please help - o2 default
Hi Everyone, this is a tricky one. In january i had a look at my credit report and there was an account for O2 that was 6 payments late. So I phoned them and said i didn't know what this was and had not received any letters etc. I got passed to several different people. In the end a guy said he didn't have enough…
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refused CCA?
Hi sent CCA request to Lowell RE: OH's debt and i recieved this reply: "we refer to your request for a copy of the origional credit agreement in accordance with the provisions of the section 77 (1) and / or 78 (1) of the Consumer Credit Act 1974 This account from which the above amount is due relates to a bank account that…
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Slowly Sinking. Advice Please
Statement of Affairs and Personal Balance Sheet[/b] Monthly Income Details Monthly income after tax................ 650 Partners monthly income after tax....... 1690 Benefits................................ 0 Other income............................ 0 Total monthly income.................... 2340 Monthly Expense Details…
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HP on a DMP
I'm in urgent need of a car to get to work as my old one has finally given up! I'm currently dealing with my debt and have a DMP in place with Payplan which leaves little money to live on and almost none to save. I called Payplan last night to explain my situation and they have told me that it would be okay to get a new…
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Quidco
:mad: i got my house insurance through quidco had £60 tracked through Legal and general i did have policy with them when new policy came through had new number and everything they have declined my payment and i cant get through to quidco :mad: anyone have any ideas kas xx
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Debt management and self employment
Hi all Me and my husband are thinking of doing a debt management plan. We've spoken to CCCS and they're going to get a counsellor to kindly phone us back in a couple of weeks time. This morning we changed our bank account from the Royal Bank of Scotland to the Nationwide. We have a credit card, loan and a overdraft with…
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strange ndr - kays letter??
hi i owe kays 700 pound and since july have been paying token payments of 1.00 a month and it was passed to NDR.iam now in middle of setting up dmp with cccs.i have had the usual phone calls and letters asking for higher payments and arrears payments but ive always wrote back saying cannnot afford to do this, anyway have…
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My debts - advice/help please
Loan 1 - Total payable over 5 1/2 years £16500 (Borrowed £10,500) monthly payments of £250 Loan 2 - Total payable over 3 1/2 years £3,600 (Borrowed £2,600) monthly payments of £100 Credit Card - £2,800 (currently paying average £130 a month) Store Card - £400 (currently paying average £50 a month) I have tried to…
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Am stuffed - need to move credit card debt to lower rates but no lenders will take me
Have had a lightbulb moment and am moving through the process of doing budget etc. One urgent issue is that I have credit card debts across three cards with interest rates of 21% and 17%. I have tried to get a better rate from existing lender - they insisted I apply for the lower rate card I wanted and then I was rejected.…
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Some help needed please - Bryan Carter & Co
Hi everyone I'm on a DMP with CCCS. Most of the creditors have accepted our offers of payment - which, of course, is good news. One creditor in particular is proving to be very difficult. Argos Additions, has passed my debt from one DCA to another (I've lost count). Red Castle passed it on to Fredrickson and now…
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Debt in a foreign currency
Hi everyone, I am pretty much on top of my finances with the exception of a credit card I took out when I was living in Ireland. Stupidly I believed that my bank shares were rock solid (worth €30k) and didn't sell them for my wedding, instead putting most of the expenses onto my credit card. As it stands at present, my…
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Head against brick wall!
Hi all, I’ve been posting a lot on these forums recently, so here’s quick recap. After sorting my debts out I am helping to overhaul my OH’s. Since 2006, he has been making payments to Rockwell of around £30 per month. However, recently Rockwell have turned very mean despite the consistency of payments. Twice they have…
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Offer Payments??? CC's and Storecards
A good ladyfriend of mine has run into debt problems which I'll post up full details in another thread a bit later. She has an Argos Storecard and a Barclaycard. Both are above and beyond her credit limits and she cannot afford to make the minimum payments so she's getting charges left right and centre. It doesn't help…
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Ending shorthold tenancy agreement early
Now moved to Renting, Buying, Property or something like that!!!! Good afternoon all, I need some advice on something and I've been searching the net and just can't seem to find a clear cut answer to this. Basically, I'm moving on 22nd of this month, only agreed this yesterday hence the short notice. Now the flat I'm in…
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Cannot afford to pay phone contract
Hi I could do with some advice regarding my mobile phone contract which i took out in August 08 for 18months. This is my first contract phone and unfortunately, I lost my job and I am finding it a challenge to get a new job, therefore I cannot afford to pay the phone bills. About a month ago, O2 cut me off, but for the…
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I need help
Just checked my bank account and they are charging me £168 in fees for some payments they honoured when i went over my overdraft limit this month. I bought some thing in Argos for £9.99 which they have charged me £35 for. ANd actually Argos took the amount twice- i only bought one thing but they took £9.99 twice and i got…
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Massive Charges by HAlifax
Just checked my bank account and they are charging me £168 in fees for some payments they honoured when i went over my overdraft limit this month. I bought some thing in Argos for £9.99 which they have charged me £35 for. ANd actually Argos took the amount twice- i only bought one thing but they took £9.99 twice and i got…
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Newbie's Diary!
Hey, I know I'm new here but I think I need to keep record of what I'm doing to keep myself motivated! About a month ago, I had a bit of a lightbulb moment. I've never been hugely in debt, but uni left me with some nasty credit cards and a couple of defaults on my file. This was something I'd carried on, and last month I…
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CCCS and/or Payplan?
Trying to sort out my debts of £27,000... I have done a quick search but still need more info - do CCCS and Payplan work together?? If not which one do I go to? thanks Maggie
