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what will CCCS do?, when I tell them
that I have paid a creditor and want them to stop making monthly payments to them.... i am looking forwsrd to increasing payments to others as they redistribute the money, BUT wonder if they will dump me for being naughty?
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Cant Take This AnyMore
OH and I are totally and utterly in the brown stuff finanically, and TBH its really starting to get to me big time. I currently owe about 5-6K and the OH owes 21k ( plus the mortgage ) its a stupid amount on money, for people of our ages to owe ( 25 and 36 ) Most of my debt is being managed through Gregory Pennington, I…
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Debt Management Plans
Hi all My first post to the board...go easy on me! :p I have approx £13k of un-secured debt and i have been contacted by 'debtfixers' and created a Debt Management Plan. From what i can gather they negotiate with my creditors and try and get the interest frozen on my accounts and arrange for a lower fixed payment which…
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Postal Orders
Sorry folks this is probably a really stupid question but I have a load of letters to send off to debt companies and everybody says send a postal order and not a chq. Well I have led a sheltered life and I have never bought a PO before. I cannot get on to the Post Office or Royal Mail's website for some reason and I don't…
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Our SOA. Any Advice??
I am reposting. I did this last night and was rushing it really. I posted in the wrong section and had my head in the sand, I had missed things out but I have put everything down this time including all the APR's. I am hoping that we can get some advice of getting on track and debts cleared. I have worked out an average of…
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Moral Support
I'm brand new on this board, although not new to MSE or being in debt! My husband and I are currently £43000 in debt and working with the CCCS to start a plan What is freaking me out is that he is about to lose his job and I have to take a 30% salary cut and I think it is unlikely I will still be here in 3 months. Can…
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Really need to vent!
Sorry for venting here but it feels like home so i hope people dont mind, i just need to rant for a min. I was talking to one of my neighbours yesterday, we have only spoken a couple of times before. She told me i was basically steeling from the government and her by claiming child benifit :mad: We just started chatting…
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Help
hi everyone, this is my first post so you'll have to excuse me if i rabbit on. firstly I opened an account online with A and L, as i had recently married and we wanted a joint account, so of i went and opened it. We didn't really use it that much in all I'd say about 10transactions over a year, and the only way we could…
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Monday 9/2/09 What small dfw things have you done today???
:D When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress,…
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Monday *Sick of the Snow* Daily Chat
Morning Lovely Lot:D More snow here today..........getting a bit tiresome I have to say. Hopefully the college wont start cancelling classes again as exams are looming. Have a great Monday whatever you are up to:A
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Advice for a troubled newbie???
Hi, hope someone out there can offer me a little advice, especially if someone is in the same situation. Thing is....i dont really know what advice i need but having read through loads of posts ive already learnt so much. Truth is ive contacted an independant IVA bod and gone through my SOA, and also got an appointment…
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Credit card charges
Hi, I've posted the following question on the Reclaiming Bank and Credit Card Charges board but haven't got any replies so thought I would try here as well.... ' I've had a few charges from Credit Card Companies in the past (most notably from Barclaycard) and I was wondering if I still am able to go throught the reclaiming…
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What else can I do
Hello all! Have been lurking for a few weeks and studiosly taking notes. I am really impressed at how warm and friendly you all are and so have decided to post. Now I have complimented you nicely, I wondered if you could give some advice? My oh works full time and I am lucky enough to be a full time mom to ds age 6 and ds…
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Debt advice needed
Hi there, I hope I have placed this thread in the right section? If not please heave it elsewhere. I desperately need debt advice for my son (24), who has landed himself in a lot of debt (£4000). I have offered to help him out, but we are not wealthy people and he is too proud to accept any assistance. Unfortunately he is…
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Money Worries - Should I Avoid?
Dear friends, I recently applied for a consolidation loan and was turned down - well that's what I was told, I applied with one telephone advisor at the above name company and he said I had been declined but then put me through to a colleague who said if I pay them a couple of hundred pounds per month they will charge 15%…
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Advice on debts to tackle first
Hi, I am after some advice as to which debts I should pay off first, I really want to be debt free within the next 2-3yrs (aside from mortgage). Below are the details of my debts, does anyone have any ideas how I should tackle these? Mint - £145 (aprx £6k balance, unsure of interest rate or credit limit) Barclayloan -…
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Advice desparately needed received court papers from MBNA
Hi all, I have this week received court papers form Northampton county court for An MBNA credit card debt. Upon receiving the papers I contacted the solicitors acting on behalf of MBNA to see what course of action they were looking to take. The solicitor advised me that they has been instructed by MBNA to secure the debt…
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Halifax Credit Card Refuse CCA
Hope someone can advise, original posted on the Credit Ccard Forum Hello, Requested twice CCA from Halifax Credit Card, I used the template from the National Debt Line. Having no luck from them, please see below the letter I received : You have previously requested under section 78 of the Consumer Credit Act 1974 a copy of…
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BT and Wescott,urgent ,please help.
I am not sure if this ok to post here but I am at my wits end. I am being threatened by Wescott DCA and I dispute the bill in question from BT. I am worried I am going to get a CCJ and I don't know what to do.:confused: Back in October I was offered a better deal with Talk Talk and decided to go with them. I then received…
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Red/Lowells DCA
Hey guys, Bit of back story first. I received a letter from Red DCA back in October with regards to a £220 T-Mobile debt. I queried this is the usual manner and eventually sent the "Prove-It" letter, to which i had no response and have not heard anything from them until now. This evening i got a phone call from my father…
