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unsercured debt and bailiff threat
got an unsecured debt to a hotel for a functionlast november, they issued a bill for goods not even used by us, along with another persons bar tab, another guests room, meals for more than who were there, roof was leaking on guests that were eating, anyway, we disputed the amount of bill, they got a judgment for non…
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Thursday 26/2/09 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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Timewaster Letters
Had this sent to me - out of a book called 'The timewaster letters', 'how to waste your creditors time - account arrears' It's hilarious but I am uncertain about copyright to try and reproduce it on the forum, so if you would like me to email you a copy I assure you it will make you smile each and every time you talk to…
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Still cannot bring myself to do it.
Even though i read all the posts on here i still cannot do it myself. I have approx £40,000 worth of debts on credit cards & one personal loan. I was struggling with the payments but muddled through. 2 years ago i was off work & the company sick pay ran out then only had statutory sick pay £60 a week. I contacted Citi and…
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Could Joining Payplan jeopordise other arrangements
Hello, I have several personal arrangements with several creditors. however, my biggest creditor, HBOS (approx £50K), have advised they will not freeze interest on any of my accounts unless I join an independant party. - ie Payplan. My worry is that by doing this it will ruin my agreement with other creditors who may not…
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hoping somebody here can help?
we moved home in november 2008 and had to leave our virgin tv,phone bb services behind as they do not cover our new area,were advised on that day to dispute the £120 cancellation fees by the virgin person who disconnected us as it was down to bt exchnage not our fault. she gave us an adress in swansea to write to which we…
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my soa any help gratefull
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 4 Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 1147 Partners monthly income after tax....... 631…
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Debt Free whilst Eating Healthily
I don't know whether anyone else is feeling low at the moment but I just can't seem to get well at the moment. I seem to be going from one cold to the next and most of the time I feel really run down. I have decided that I am going to try on my debt free journey to eat lots of healthy food. If anyone has any hints and…
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Do you take this woman (and the debt)?!
Hi all Sorry if the thread tittle seems a little harsh, I dont mean it! My Fiancee and I are due to get married in Nov '10, nothing is booked yet however. My fiancee lives with me, I own my own house, and in no debt, apart from the obvious mortage. Prior to this relationship, my fiancee had a house with her ex. The…
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anyone ever heard of triangle finance?
hiya guys, had a weird phone call tonight ( home phone which is exdirectory). a company called triangle finance called and asked for me by name. they said they were ringing re an enquiry i made a while back to freedom finance (about 5 years ago i got a consolitation quote from freedom which was extortionate) they asked if…
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Dmp Or Iva ......... Help Confused!!!
Hi All Last September my debts just started become a nightmare £38k :confused: so I contacted PAYPLAN who at the time were very helpful. I filled all the relevant forms out with them and was advised that a DMP would probably be the best solution for me. At the time I had quite a new credit card so I had to make 3 priority…
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I'm really ashamed......
Another diary peeps....I really need this as it has helped so much to read how everyone else is managing their debt and getting themselves sorted. I really admire it because I can't imagine how I'll ever be disciplined with money. So my story.... I'm in debt and it only really hit home to me about two weeks ago when I…
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Help with working something out
Hi, I'm pig sick of Barclays at the minute and having a few niggles at the minute, so it's got me thinking and doing a bit of research. - To start I've got the Barlcays additions account (yes I know I haven't used the extras!) so I pay £14/mth admin charge and because I use the £2200 overdraft I pay an additional £12 in…
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I need some help please ... problems with HSBC
Hi everyone My head hurts and I've now got "writer's block" :eek: Here's what I've done so far: HSBC Bank Plc Customer Credit Services PO Box 449 Salford M5 4WQ Dear Sirs Re: Current Account reference – XXXXXX XXXXX455 I refer to the above matter and to my debt management plan currently with CCCS (ref: XXXXXX). Upon…
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HSBC - Managed Loan?
Hi, I'm on a DMP with the CCCS. I've received a letter off HSBC today saying that they will accept the proposal from the CCCS only if I convert the overdrafts into a managed loan. Does anyone have any experience of managed loans with HSBC? I have also contacted the CCCS for advice. Thanks MDW
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Equita Council Tax Mess Up
Hello everyone I posted here not sure if I'm in the right place for this sort of advice??:confused: Dear All Sorry to bother you but we're in a really difficult situation and don't feel like we're all to blame but have no option but to pay a lump sum of £500 for 6 weeks council tax. We have moved out of our home July 08…
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interest & bank charges - URGENT advice pls
not sure if this is the right forum but in desperate need of advice so fingers crossed. Will stick to the facts as I am about to burst!!! December 2008 - Halifax advised withdrawal of £1200 o/d facility December 2008 - Disputed withdrawal of o/d but numerous pleas declined January 2009 - o/d withdrawn January 2009 - wrote…
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Egg/default
We're entering into a DMP with CCCS (won't start until May) as as a result of my redundancy & subsequent fall in salary. We have an unsecured loan with Egg & as with all our creditors sent them a token payment for February (and are about to send out the March payment too, we haven't missed any payments before that) with a…
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Roxburghe!
After writing to them 4 times and emailed 3 times all unanswered, I rang them last week. Loan balance is at £1500, they offered to settle at £1010 with £500 payable immediately and the rest the friday after, payday. I said fine OK. Loan was taken out in 2003 so finally being able to pay it off is ace.... He went off to…
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New Home New Start
OK SO HI, IVE just moved house so my bills are estimates at the moment but here is my new diary new start. i have two aims 1)reduce and get rid of the debt 2)lose my baby weight along the way please feel free to comment on the stuff im looking at changing our lives! :p Statement of Affairs and Personal Balance Sheet…
