-
I think I am being harassed by another member on here
What can I do about it? Well, then, I know which one it is as does at least one other person I have reported it to outside here today. So, you want me gone do you? Very well. Least I am man enough not to hide behind a sockpuppet; that is a coward's way of doing things. Be aware I know exactly who you are BTW. So, you want…
-
Lloyds. Is This Harrassment?
Hi. This is my first posting. Have small loan and credit card with Lloyds. Decided to consolidate, rightly or wrongly? Lloyds agreed and am waiting for documentation. Meanwhile Lloyds have been ringing me on a daily basis because I have not made a credit card payment. Tonight the message left on my answering machine was…
-
A few questions
Firstly today is the first time (I think) I have ever not spent anything. The urge to go to the cafe to buy a bag of crisps or to buy something / anything was huge but I've done it, I'm sitting here at 9pm and I've done it. I've not spent a penny today and it feels fantastic. I've also applied for about 12 jobs today,…
-
Anyone organising their own DMP?
I've found reading about other peoples DMP's very useful, but am yet to find posts about people who have organised their own. I'm unable to get CCCS or Payplan to organise my DMP for me as my baby is due in July and I'm self-employed, so I'm trying to organise it myself. I sent my offer letters off yesterday and now…
-
My DMP
[FONT=Verdana, Arial, Helvetica]Im nearing the end of my debt management programme and just have one creditor left for a small amount now I will be debt free in 3 months. A Year ago I couldnt even open a new bank account as I wanted to change from who I am with now but the only one I could get was a basic one so I decided…
-
Picture test my dinner
Just checking i could upload pictures of letters when i have too
-
trying to get rid of c/cards
Hi there, I wonder if you can help me l currently have 2 credit cards 1 with £8000 on it and l am paying interest every month and the other has £10000 on it and l am about to start paying interest on it from next month. I have been trying to either get another card with a 0% deal or get a card with life of the balance…
-
118me: What do you think?
I've just been trying to trying to find out cab fares and came across the 118me site, which give comparisons between independent companies. If anyone has used this site, what did you think? Is it recommended? At a glance, using it requires logging in your destination / personla details? All comments welcome. Thanks
-
Joint Statement of Affairs?
First off I'd like to say Hi and introduce myself. I don't feel I can say my real name (yet) but I'm in my early 20's, living with my partner and we're up to our eyeballs in debt, but it seems that I've finally had my lightbulb moment..... Last week my partner lost his rather well paid job, making the hole we're already in…
-
Old vanquis debt help needed :(
Hi all, I had a vanquis card years ago and it's since been passed through for debt collection. As far as I was aware I was paying Lowell financial for the debt by direct debit. I've since worked out that I have been paying Scotcall for the same debt :( Now my biggest issue is that Scotcall claim they are collecting on…
-
Triton Credit Services
My husband and I had a current account with Natewest that we got into a little trouble with on the overdraft, so we closed it and agreed to pay off so much per month to try pay it off. I also have an ISA account with NatWest which untill recently had about £900 in it, went in today to draw some money out of it to find that…
-
Creditor Chasing Full & Final Settlement
Hi, I have just got off the phone to one of my creditors (lowell finance ltd). They had previously accepted our full and final settlement offer under the conditions that we pay by card before the end of last week. After getting some advice from the forums on here we decided it would be best to get the offer in writing by…
-
Update Charging Order.....Advice Please
Ok after all my previous ramblings it would now appear that RBS via their Solicitors are now going ahead with applying for a CCJ. We can expect the papers at a letterbox near us soon!!!!!! My question is really what happens now? I know we have to send back the forms within the 14 Days by registered post.Have had a look at…
-
Credit Report - Advice please!
I still have just over 2 years to run on a joint loan between me and my ex partner totalling around 10k. I have a feeling that my ex partner is falling behind on her credit card payments and therefore affecting her credit rating. I currently have a balance of just over £5k on my credit card which I am ploughing as much…
-
Confused and need help!
Hello all, Im really new to this site,been trying to read through the help and understand how to get our family sorted out money wise. So far iv cut out the £150 a month for 1 day a week for my son`s nursery by asking family to help us out. Sky got cut in half,next month the broadband contract is up so that and the home…
-
Prove it letter template???
Hello, Please can someone tell me were I will find a prove it letter template on this site for me to send to BCW??? xxx
-
DMP and new job dilemma....
Hi All! I am desperately seeking some advice! Hubby and I are about to apply for a DMP because we have hit crisis point and we had been postponing it because hubby was applying for a new job and we were waiting to hear because it will affect our situation. This job pays more but doesn't have a company car option (he…
-
Store card problem
I was told that if i signed up for an Adams store card I could get the clothes that I was purchasing cheaper. Not having alot of money at the time, I thought "why not?". This was my first mistake. I got the card just before Christmas and could not afford to pay anything off until late January. I paid off what I owed in…
-
Debt elimination company
Hi i got a phon ecall today from first ste finance. They are debt elimination company. They just told me that they can clear my debt in minimum of 2 years. and maximum 4 years and 1 month. I was sucked in by the while thing and told them all about my financial details. drat i hate that. anyway. i didn't go for it and…
-
Yippee - debt-free at last!
:j Got paid yesterday, checked my balance and I'm £20 odd in the black - first time in 10 years. Next month I will be completely free and can start saving for my next car and overpaying my mortgage. I celebrated by applying to A&L immediately, got accepted this morning so that's £100 plus an extra £50 for doing it via…
