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Help!! New Statement of Affairs!
Hi everyone, My husband and I have started this year with every intention of getting out of the terrible debt that we are in. We are 32 years old and I have vowed to get us out of this by the time we are 40 so thats 8 years but ideally I'd like it to be alot sooner!! Please have a look over the below statement of affairs.…
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Default notices not received
Hi all, my first posting hopefully you can help me!! I checked my Experian file to find two default notices one from British gas for £100 and one from First Direct for £4426. My question is i never received any default notices from either companies, also British Gas was cleared on 31/12/08 after a debt recovery company…
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iQor final response letter what does this mean??
Hi All, I will start from the begining on the 24th of december I started getting hounded by phone calls from iQor I had no idea who they were and I basically said I only corraspond in writing, they continued in phoning most I logged up in 1 days was 15 calls. On the 29th of december I recieved a letter from the regarding a…
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Board Reorganisation Suggestions (from Site Feedback & Suggestions)
Lots of people don't look on the site feedback board, so: Link: Board Reorganisation Suggestions If you have comments for Martin and the site team, please do it on that thread. This is just a "heads up".
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Stellat Uk - anyone heard of these??
Had a call to my mobile earlier, didn't recognise the number so didn't pick it up. Turns out it belongs to stellar uk who are acting for a client. Anyone have a clue who they do/who they could be acting for? thanks
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Do I still pay off credit cards first with such low mortgage rates?
Hi I have a mortgage of £165,000 interest only fixed at 5.9% with 2 1/2 year remaining on fixed term. Payments are £840 per month. If I want to get out of this it will cost me about £5500 in penalty fees. I have credit card debts of about 5k which I am servcing to the tune of £500-£750 per month in total and they are…
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Mental Health and debt
Hi there! I wonder if anyone could help? I suffer from mental illness which has totally destroyed my life over the last 10 years and left me quite badly in debt due to being unable to work in recent years. Most of the debt was incurred during manic episodes and I have been paying voluntary payments for several years from…
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Link Financial harrassment
Ok just had a neighbour inform me that a guy called Ricky called for me on 02077932683 I thought who is this?:confused: So i researched the net and found a site called whocallsme and discovered they are Link Financial (debt collectors) and apparently they use the tactic of calling neighbours all the time stating they are…
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So my best mate's getting married
Hey all, My best mate is getting married on the 21st and I've already resigned myself to the fact that I wont be buying a new dress for the wedding. But the thing is the wedding present. She asked me to write her a poem (I have a degree in writing) and I thought, well, that's a bit boring really, so I'll spice it up. I…
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Debt in my husbands name from his ex-wife but he wasn't living there, help!
Hi all, I'm wondering if anyone can help. My husband has received a letter from a debt collection agency saying he owes £1,700 from a water bill debt run up by his ex-wife. The service was in his name (although he didn't agree to this) and he didn't live there for long. The bill is from 1999-2005. My hub has been with me…
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allowances on a DMP with CCCS?
anyone know what the allowances are? anyone got a cccs DMP? I am probably going to get one if i can. any experiences would be gratefully received!
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DCA Record Somebody Elses default on my file
HELP!!! About a year ago I was being hassled by Buchanan Clarke and wells on behalf of phoenix recoveries. They were trying to recover a debt from littlewoods catalogue from me. I have NEVER EVER had any credit of any kind from littlewoods. I sent a letter to BCW asking to see the signed credit agreement and saying I did…
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Lowell Portfolio attempting to collect alledged old debt
Hi, I have recently obtained a copy of my credit file from experian. On it shows a CCJ which I knew nothing about - interestingly though my credit score is 999 (which can't be any better). It is linked to an old address which I lived in 2001. After a lot of digging around, I have managed to assertain that this relates to…
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Just wanna cry :(
Hi guys I feel so crap thinking about all our debts hardly going down due to intrest charges. Im fed up with renting. Im fed up with not having any holiday (been 2 yrs since our last short UK break) I have 2 small children and married to dh who works 48 hour week. I hardly see him which isnt helping. I pay the bills as I…
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Re-opening Credit Card account help please!
Hi, I paid my balance in full and closed my account in early December. I'm wondering if I called them now would they immedietly re-open it or would I need to make a new application ? Thanks in advance for any help!
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GE Money! help needed please!
Hi All, l dont know if anyone can help me but we took ge money through mcol for charges and ppi, they then 4 days later put in their own claim. (not a counterclaim) We sent our acknowledgment and then wrote our defence (all on line) telling them of our financial situ and that we admitted to part of the claim but not all…
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New snowball
Hi guys I am hoping to get some help. I've been trying to find somewhere on the snowball calculator website where I can make a new snowball, I do not want to edit my old ones but want a completely new one, and I seem to be unable to do this anywhere on that website once logged onto my account. Do I have to make a new one…
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Northern Rock...driving me mad
Im new to this forum, but I wondered if anybody else has had the same kind of problems with Northern Rock. I had a Together mortgage with my ex partner, and when we split up, they stopped paying their half. I was on a low income and could only affrod to pay my half of the mortgage payment. I visited the CAB who advised…
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Need Advice Please - Depts
hello, basically i got into dedt over 5 years, almost £30,000. i buried my head until tsb froze my account and forced me to face my problem as i was struggling to make all payments to loans and cards. anyway they put me in touch with paylan who worked out a plan for me. for almost 18 months i have been paying £600…
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mobile broadband, best deals around
.I'm looking for help and advice in getting mobile broadband, does anyone know what deals are available at the moment .:j
