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Ccj
Hi Guys, I need some advice on this cos i simply haven't a clue. Hubby & I got our home repossessed, eviction order is tomorrow, First plus have also managed to get a possession order and have been granted it - i don't under how, anyway the court paperwork came through last week stating firstplus had been granted the…
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Natwest/Rbs Loan now with Triton
In 2005 we, the company, had an overdraft with Natwest. In April of that year we went into liquidation. The overdraft at he time of entering into liquidation was £19450.00. They contacted us and said they would accept £150.00 per month after twelve months this increased to £200.00. On Saturday we received a letter from…
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I need my butt kicked
Guys I've been AWOL for ages, things went a bit mental at home and work and as a result my DFW ways have slipped and I really need you to help get me back on track. This is my SOA Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in…
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Credit Card Debt
Hi, I am currently at the start of owning up and sorting out my credit card debts. I did see a template on here where you can contact the companies and offer a token payment and ask them to freeze interest etc. There is a template on National Debtline but it does not offer a token payment, maybe I have to contact the CC's…
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Natwest/RBS and Payplan
I entered into an agreement with Payplan in February and they are helping me sort out my debt. All the creditors have agreed apart from Natwest/RBS. They're threatening to take me to court because they don't agree with my financial plan. If they take me to court I'm sure they will give them the same financial deal in my…
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My soa and offer to creditors - which way now?
Hello, I'm trying to get a grip on things as they have started spiralling again, and not sure if I am too late to halt the inevitable (eg bankruptcy etc). Would also appreciate any advice as to how much individual lenders might agree to receive in payment as part of a dmp, and whether any of the lenders I'm with are…
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MSOC Snowball calculator - testing volunteers
The completion of the new Snowball calculator isn't too far away. Depending on how much free time I can grab and how quickly I can make progress in that time, I reckon that it may be complete this weekend. Before releasing it to all and sundry, I would really appreciate having some people test it out. If you would be…
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Bank Loan V Credit Card
Hi Ya everyone, I'm new and my hubby is overjoyed that I am finally trying to stop spending and want to pay off our debts. Q... we have approx 11,000 + debt on overdrafts and credit cards(yes I know we need to find out exactly) and I think we should put all this together into a big lump and take out a loan and pay it back.…
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Tuesday 24/3/09 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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Twirly Tuesday DFW daily chat 24th March
Morning all I should be knackered still......I didnt go to bed till 2 this morning. I just wasn't tired at all:rolleyes: and I have been up since 6. Today I have to go visit my Gran, as she came home from hospital yesterday and Mum is going mad running round after her. As if thats my fault:cool: And I will do more…
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Help much appreciated please
Hi, I would be very grateful if someone could give me some advice on the following, Basically while I was young and very foolish, I've managed to build up debts of around £14700 to date. Using my credit cards way too much and not paying back what I should have been doing. I have two loans for which I'm comfortable with…
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Catalogue debt
Hi can anyone offer me advice on catalogue debts, I have debts with 3 companys 2 i have only just fallen behind with payments and one with Next from about 4 years ago totalling approx £1200 which is with a dca, i wrote to next offering £3 a month (which in all honesty is all i can pay). Im not sure if i signed an cca with…
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Capital One
Family member called Capital One - they say they cannot find the account but it is on their credit rating. Is there a way to get this removed if they say they have no record of the debt?
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DCA's with my phone number
Hi everyone I am livid (I seem to be having issues dealing with anger lately at DCAs) - I telephoned Cabbott (however their name is spelt) last week to sort a family member's debt out. Anyway, both accounts were settled. Family member gave my number for them to call to arrange payment. Payment made and authorisation codes…
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CCCS - does it work?
From reading other threads I realise I'm not alone with debt problems. My husband and I have just send our info to the CCCS and are waiting for it to be set up. What worries me most still is the companies not accepting the DMP and insisting on payments. We have no money - we have property abroad that we cannot sell but it…
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Re-mortgage Advice
I am currently trying to sort out finances and reduce monthly outgoings. Am married with two children. Current unsecured debts of £17,000. Debts arose mainly from property improvements coupled with maternity leave. Wife now working part time. Value of house £200,000 and current mortgage £70,000. Annual salary £39,000. I…
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Everything is falling apart having a major panic **SOA added**
Hi everyone sorry but just need to get some things off my chest I am having a major panic today, it's all just falling apart, and don't know what to do for the best. Basically my OH (who I live with) owes me money - and it's been an issue for a while as he wasn't paying me back regularly and that was really getting to me…
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Doing The Right Thing But Need Advise
Hi there, I,ve been looking through some of the posts and i know this is thee place to find some help. Our debts have built up over the past 2 years not knowing how but they have. we have debts totalling £44,320, we went the the local CAB and they put together a financial statement to send of to our creditors with offers,…
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Letter from Wescot (not sure what for).
I received a letter from Wescot today titled Confirmation of Residency and i'm not sure what this debt is actually for. I did mess up my finances when i was younger but when i moved into my own home in Aug 03 i stopped applying for credit for a couple of years until eventually in Aug 07 i started again with a phone…
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I've hit an all-time financial low :(
Hi fellow debt-free wannabees. I am feeling a bit down over my financial situation and just wanted to share and also to say NEVER ignore your mounting debt situation like I have. I was always going to get round to sorting myself out but kept putting it off and now I heavily regret it. I have reclaimed some of my bank…
