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Gym Membership Help?
I have regrettably signed up to a local gym with me and my partner and for the first few weeks we went enough to say we were getting our moneys worth then my car decided it wanted a new gearbox and was off the road for 3 months due to me not having the money to fix and always working. I signed up for a 6 month contract…
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DMP moneyworries.co.uk
Hi, we were about to sign up to moneyworries.co.uk, but after visiting this forum i am beginning to realise this may not be a good idea. Has anyone any advice about how to use cccs? Please help, was so positive yesterday that all was gonna be sorted by moneyworries.co.uk now not so sure have unsecured debts of £10,500 they…
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Connaught Collections
Hi Everyone, Just looking for a helping hand for a family member (honest) Family member has received various calls Connaught from a debt to Barclaycard some years ago. After advice from this site we sent a request for the credit agreement. This has arrived today and has taken two months to get here from the first request!!…
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can they give me a default by phone??????
Hi all, I have received a default in 2007 from British Gas and only just found out. I started the process of trying to have it removed by writing to them asking them to provide me with a copy of this default as to my recollection I have never received one. I have received a letter from them which states that when I made a…
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Yikes 1st credit have one of our debts - Make that 2
I have read lots and lots about 1st credit and now one of our debts has been passed onto them. So I am starting this thread so I can keep track of where I am with them. Debt is for OH MBNA card. So far we have not recevied a deed of assignment from MBNA or 1st Credit. Last communication from MBNA was the 9th Jan advising a…
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Let The Weekend Begin!....which Other Moneysavers Are Stayin In!!!...grrr
Yes am 24 and stayin in!......how bad
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Where do I go from here? Advice Please
Looking for a little bit of advice really, Where do I go from here? I have done a SOA thingy as below Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 1 Monthly Income Details…
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Is anyone clever enough...
to work out take home pay when in Ireland (republic?) i have looked on various sites (via google ireland) and all the online calculators come up wtih different figures!:confused: if anyone works in Ireland or has worked recently and can help out, it's greatly apprecited!:p
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Halifax Cca Is It Enforceable
Hello , I requested a True CCA from th Halifax for my credit card.They sent the following.Its it enforceable.The letter says they dont need to provide one. Thanks
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Interest rates question
Hi, i rang up halifax today to find out the interest rate on my personal loan. they told me it was 11.5%. i then wanted to find out the interest rate on my overdraft, so i looked at a letter which says it is 1.50% per month (19.5% EAR). so i then thought, woah hold on a minute, i need to be focusing all of my spare cash…
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mobile phone biils.
ME and H have £75 p/m contrancts between us. But he has lost his job. We can't afford them. What will the mobile companies do? I know they will cut the mobiles off, but can they do anything else? thanks
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Getting my life on track to a debt free future!
Hi all! I know the DFW board has become overrun with diaries lately but I hope you will oblige me in mine as well while I go through the final phase of sorting my life out – I don’t expect it to be very popular and have people anticipating every update like some that I have been reading but I hope it will enable me to…
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Help please bit long winded
Hi have posted on another board and was suggested I post here instead as more appropriate here so here goes: Hi not sure where to start, my ex husband and his girlfriend are splitting up, she is packing up the house of her belongings as we speak, they have been up and down for a few months now - have posted here before…
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Is this actually a valid option ?
I have debts that approach 75% of my equity probably closer to 100% if I take every penny into account. I have a very high income. The debts I am calculating are costing me between £1000 and £1800 per month in interest alone. I am torn between chipping away at these cards/loans etc; until all paid off or I had the…
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Securemail?
I have just got home and there was a card from a firm called securemail. Can someone please tell me what they deliver. I am waiting for my CCA from M&S but that seems a bit extrme. I am required to sign. Thanks in advance
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Debt Support Network
I have been getting a recorded message form this company everyday and today listened to the whole call and pressed the number to speak to a " live advisor" once I said I wanted my number taken off their database as I wanted no more calls they put phone down on me :eek: has anyone else had these calls and do you know how I…
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Advice needed on letter received
I sent a cca request to link financial which they received on the 8th of jan, i waited the 12+2 days and only received a letter saying they would try to get a copy. Sent the letter from this site saying they were in default of my request last week and received this from them today... 'your MBNA europe bank ltd account was…
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Mackenzie Hall- old debt will they trace me?
well, most of my debts are cleared up now and so I was most upset to be passed ona letter froma company called Mackenzie Hall. Now, we moved abroad some time ago and this letter was sent to my address in the UK where a friend currently lives and she passes stuff on to me. The debt was a MINT credit card from about 2002 or…
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Heeeeeelp! Im in a complete mess!
Ok i just need a little advice please... I just got a call from some debt collection agency on my work number, and the bloke basically said... There is £741 in arrears on your total loan (£5000) and we need that by 9pm tonight or we will start legal proceeding and the collection agency to your house tomorrow. I told him…
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Virgin and CCA
I have an outstnading balance on a Virgin card of £17,484. Along with my other CCs and loans I can no longer make the minimum payments. The rest of the details are on here in other threads but I need some advice about this particular card as it's the one breaking the back of my finances. I have never missed a payment, been…
