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Removing Satisfied Defaults
Hi I recently applied for a mortgage for a shared equity scheme and was accepted by Abbey so progressed with the rest of the application. Abbey conducted a survey and when they were sending me out the forms to sign I was advised by my mortgage advisor that Abbey have pulled out of shared equity schemes! When trying to…
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Ccj Redetermination Help Needed
SF369 vbmenu_register("postmenu_", true); MoneySaving Newbie Join Date: Mar 2009 Location: LONDON Post Count: 0 Thanked 0 Times in 0 Posts APPEAL REDETERMINATION I had a CCJ Redetermination hearing 2 weeks ago where the Judge did not read my supporting statement for an increase of £5 only and was rude and offensive. I have…
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Mackenzie Hall. Wondering how hard to push them
Mackenzie Hall. I'm sure some of the regulars of this board will be familar with the DCA Mackenzie Hall. They have a Statue Barred Debt from around 8 years ago. I wrote to them in October 2008 and politely told them to prove it's not a statute barred debt or !!!!!! off. They duly did but now they are back for the same…
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SOA - Eyelash
Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 1791 Partners monthly income after tax....... 0 Benefits................................ 0 Other income............................ 0 Total monthly income.................... 1791 Monthly Expense Details…
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Phone-calls at work
Hi all, I've just pulled my head out of the sand and confronted my problems and have just signed up for a DMP. I understand that I have to wait for my pack to arrive which will have all details I will need to send to creditors but I'm concerned about one of the credit card companies as they have my work phone number!!!…
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Music Magpie
How long does Music Magpie usually take to pay out after they have received your CD's? I sent my CD's over 1 month ago now and I have heard nothing from them. I have checked the order status on their website and it says "completed" but i have actually heard nothing. When my DH sent our old mobile phones to envirofone we…
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I want to survive recession!
Hi Everyone, I am new to this and getting more confused by the day. I posted this yesterday and was advised to cut and paste it onto DFW, but as a technophobe couldn't do it, so here it is fresh! Compared to many I don't have vast amounts of debt but I have enough to worry me and make me seek advice and support please. My…
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Friday 20/3/09 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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DMP and Creditors
What happens if a creditor refuses to accept a DMP through pay plan are you then stuck or does it just take time for them to accept it....what if the never accept it :eek: regards Moneybuster
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**Daily Chat Thread Fri 20 Mar 09 - Enlightenment is Always Preceded by Confusion**
Morning everyone, I'm off up the line today, looking forward to it. Have a good one. Len x
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SAR request received now confused!!
i have sent off two sar requests one to halifax and one to lloyds. friend advised one cheque cashed and thought it must be halifax as they have passed me on to a debt collection agency. and today i received a letter from HBOS plc enclosing three leaflets, one being "credit scoring" another "our privacy statement" and the…
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Advice needed please
I had a debt with a Lloyds credit card which was passed to connaught collections, I was paying £100 a month since Oct 2006 but I recently missed one month's payment, I was also in the process of writing to them requesting them to accept a lower payment as next month my working hours will be reduced therefore so will my…
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Switching accounts to same banking group as creditor?
Hi, I'm new to this so perhaps someone could offer advice... I have been struggling with huge credit card debts (13 cards) and bank loans (2) for some time and until now I've always managed to pay the minimums. Now things have spiralled out of control and I can do it anymore as there isn't enough money to go around.…
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Should I pay off debts first?
Hi, I have recently Voluntarily Terminated my Audi Lease and bought a 2nd hand car outright. This saves me #500 pm which I was going to just push all onto paying off our creditors. I noticed the mortgage free wannabe list which is a lovely idea. Just a quick poll really, should I just get on any pay off debts as soon as I…
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hi, i'm new here and I've got debt problems :(
After my girlfriend left me (over a year ago) I have been left with a house to run on my own with no support from her at all, after a payrise at the end of last year I reapplied for the mortgage and was declined :( now I'm being forced to sell the house as my ex cannot get a council house while on this mortgage. After…
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Little help
My sis has recently been laid off, she was temping so there wasn't a pay out. Can anyone help with her soa, there are bits and pieces I'm suggesting but if anyone has any further advice? Thanks Lexxi Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of…
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Help!? Debt, CT, Bailiffs, Panic
Hi, I have had a letter through my door today saying that it has been hand delivered: "I have attended today with the intention of removing your goods and chattels as are necessary to discharge the outstanding Council Tax Liability Order and and additional Enforcement Costs incurred. PLEASE NOTE - No further arrange,ents…
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Equita - council tax
I am SO angry. I am dealing with family members debts and wish I hadn't started. Rang Equita to find out how much was owing. Family member has been paying 40 pounds a month for at least a year. They say the matter has been passed to a balliff and they cannot deal with the account. I am livid - money has been paid to them…
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arrangements with debtors
I am struggling to pay my debts. I have loans through 3 separate banks totalling £19000. I was considering contacting the banks and trying to arrange reduced payments. Has anybody had experience of this. What can be done and what should i be saying. My debts are as follows RBS - £5000 Northern Rock - £8800 Lloydstsb - £…
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help with catalogue...thanks...
having got loads of help and advice off this thread and managing to sort my own messy affairs out i am now helping my sister do hers....she has 3 catalogues which she is struggling to pay - as they were taken out in december 07 onwards they arent able to go down the cca route so i helped her send letter offering a token…
