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KIcked when down
I think we need an "I feel like suicide" section here - a samaritans of the messageboards. As regulars know from previous posts, I have some debt problems and a "difficult" home life. I also had a serious breakdown this time last year and have only just recently returned to work and started coping with life again. In that…
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bit worried
got this from capquest today it says we havnt been paying but we have with payplan any advice please have tried to phone payplan but it went to answer phone thanks
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DLC...issues, help needed.
Hello, can anyone please help with some advice... back in 2004 I brought a car from a forecourt garage and took out a personal loan from Black Horse that was sold to me by the garage that included a loan for the car and also a payment protection policy included in the overall loan which totalled approx Loan - £6995, PPP -…
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Payment Plan Already In Place
My partner recntly set up a standing order to pay off a debt with vodafone. 2 weeks after this she started recieving letters from dca demanding she pay them with the addition of a £50 admin fee. she has paid off £10 a week for the past 5 weeks, so the letters from the dca do not reflect these payments. what should she do,…
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Confused about my options - My first post!
Hi, First time I'm ever time I've ever written on a forum! So here goes. Finally admitted to a mate how much in debt I am and sat down and went over all my incomings/outgoings etc...basically got myself in a right pickle and just going round in circles and I don't know the best option to take to get out of it! Feel…
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Nearly debt free only 2 to go. NEED HELP WITH CCJ
Ok over the last 2 years I have over half my debt cleared. I now owe £4700 to HSBC and £660 to Nat West and that’s it. They are in an agreement and i'm happy with that. I am now a Taxi Driver and I am after getting a minibus to expand what I can do. The big problem I have is a CCJ on my file. I seen I owed Bolton County…
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Newbie: Help, suspicious company chasing me!
Hello I'm new to this site so apologies if there have been posts about this before. I have a debt with HSBC. I entered into an IVA which failed for various reasons last year. I heard nothing from HSBC (and have STILL heard nothing) but then in January I received a nasty letter form a company called CAPQUEST, saying they…
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how to clear credit record?
I've read Martins book and looked about generally on site but can't find info I need. I'm trying to become debt free and hoping to improve my credit record ready to hopefully look at buying a house end of 2010. Most of my accounts will be gone from credit record soon, as most are almost 6 years since they originally…
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Barclays Partner Finance
I hope someone can help me on this. I got my credit report the other day and it shows a previous search for a loan of £6755 searched by Barclays Partner Finance. This was done in may last year. i know i haven't applied for a loan. there is also an address linked to me by the same co that i've never lived in. It was close…
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Is there a standard letter to make a F&FS offer?
I'm in a position to make offers for F&FS for a couple of my smaller debts that have been passed to DCAs :beer: Is there a standard letter to send them to see if they'll accept the offer? All being well, that will be two small debts down, 4 large ones to go :rotfl:
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Help on best sites for getting paid for surveys
Hi im looking to earning bit of extra cash and heard about theses sites getting paid for taking part in serveys how do they work,whats the best sites ,or are they scams thanks
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Credit Score Effect On Mortgage
Good Morning, I have a quick query, something which has been playing on my mind a little bit for the past few days... I am a first time house buyer and am about to get some advice on mortgages - i have checked my experian report and my score is 650 ish. I was wondering what kind of effect this will have on the potential…
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stupid loan- need help
Hi guys, A few months ago I took out a loan with Paydayuk (I know i know!!) Total amount to be paid back is £425. now i have defered it this month and really want to get rid of it next month. I have a default on my credit file from 2006 for capital one- its satisfied now- nothing much else on there of any great issue. What…
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Old Council tax question
hi not sure if this is the right place for this question but i am sure someone will redirect me to the correct place if its not. having been on the phone to the council tax today trying to get a correct figure to pay for a property i moved out of in january, they mentioned i had a small amount (£300) of council tax…
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Urgent advice needed for family member
Hi everyone. I really hope someone can offer me some advice on this one. A member of my family has gotten themselves into substantial debt (upwards of £35k). They are currently living and working abroad (UAE) and have been doing so for just over 3 years but they are still a UK citizen. They're are facing the loss of their…
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dca threatning court action
can anyone help, my partner cancelled her mobile contract at the end of last year, as we could no longer afford it, she called vodafone and was told not to do anything until she recieved final bill with cancellation charge on it. when she recieved it she agreed to pay £15 a week to pay off debt but when she started paying…
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My SOA - Oh dear!
Ok so here's my state of affairs. I'm not sure if I've done it correctly though, seems to be worse than I thought. Although I don't live with my partner he does help me with food, gas and electric on occassion when I'm struggling. I guess you'll all be wondering why I have so much debt, well the majority of it was during…
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charging order/repossession threat
Hi - not sure if i have posted in the correct section I have had my mortgage for 4 years. I received a court letter last week - notifying me that i need to attend court in june - for a repossession hearing - Due to a charging order that has been placed on my house and i have made no payments towards this .This is the first…
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Wednesday 25/2/09 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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Daily Chat - Wednesday - Baby on the way??
Morning Wonder how Luc is doing, if she has had the baby yet?? Oh its exciting isn't it. Had an awful nights sleep last night and had the weirdest dream about Lenny being on BBC1 news doing a report about submarines :confused: :rotfl: Quieter day for the x household today, run this morning while DD is at pre-school and…
