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Marbles CC passed to Rosside
Marbles (now SAV credit or Bank of Scotland) have passed my account to Rosside, even though there is currently a dispute lodged with FOS. Called SAV earlier this evening as had letter from them advsing of default, and that they demand cards be sent back immediately, and if not contact them within 7 days, then further…
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HSBC loan
Hello I am new to this board and wonder if anyone else has had problems with HSBC debt? I was with them for 24 years and was an A* customer (in their words) but now they wont accept my repayment offer for my loan with them and phone me every day asking for the arrears. I tell them I am with CCCS and am offering all I can…
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Payplan have said they cant help
Hi All I started a DMP in Nov and it is with a fee paying company. Therefore I have decided to switch it- only just got round to it now finally getting on maternity leave and having the time to - and have phoned payplan and they have said they cant help me as I need to do a DIY DMP with them! Basically she emailed me…
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"Distraint visit" by HMRC
Hi, we having been struggling to repay tax owed by my husband. We were told by HMRC that they would visit our home/business to put a Levy on any goods of value. When the officer arrived we let her in. My husband has a laptop computer which he uses for his work as a web designer which we thought would be exempt as it is a…
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Advice please
Hi all, If you would be so kind im after some advise. I am in a pickle but as of a few months ago I gave all my cards to my other half and stopped spending. Now for the advise please. I have debts of £227,000 with a property worth £150,000. £150,000 mortgage with a further secured loan from northern rock of £30,000 Credit…
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Advice Please SAR
Hi Guys, I'll try to keep it short and to the point:o We are currently on a DMP and have been for 6 months and generally its been going fairly smoothly. We decided to be a bit more proactive rather than sit back and do nothing as tempting an option as that was:D We have been going through our accounts and sort of verified…
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AFRAID>>Should i send token payments to my creditors
I was all set to make token payments to all my creditors but having sat reading lots of threads, im quite afraid of the uncertanty, i owe £4,500 to credit cards and catalogues but can no longer afford the minimum payments. I have also enlisted the help of the cccs who i can have a DMP with, but they advised that i send…
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MBNA are dirty, dirty lying cheating scumbags.
To cut a long story short i arrange to make a Partial Settlement of my MBNA account of £1500, representing 55% of the total outstanding balance. I received a letter from MBNA stating that as a result the account would be closed and a PARTIAL SETTLEMENT registered on my credit file. Having received no letter, and no…
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Do I have to let the bailiff in?
Can any one help? Bailiffs have been instructed to collect our council tax debt of #818.91. We don't have the money to pay it off in one go -we don't have any savings at all. I have phoned the bailiff company who gave me the bailiffs direct number, I phoned him and agreed verbally that I would pay #100 per month, he said…
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Payment Dates Need Help
Hi, Im driving myself up the wall trying to work this out. I start a new job on monday but dont get paid until the last working day of the month. My partner gets £180 a week, and I will get £1295. However my new boss said that I had missed the cut off date with payroll for this month. I am really organised with my finances…
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Credit Report Help Please! 1st Timer!
I have spent the last 2 years working hard to get my credit rating up to almost 'good' as it was in February. Then I looked at my credit report yesterday and it had nose-dived to very poor. The reason for this is that my bank had reduced my overdraft without me knowing - and therefore I didn't bring it back under the limit…
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Hello Im new. . . . . .
Hi everyone I have made steps to sort out my debt. Feels good already. However, has anyone heard of the DEBT ADVISORY LINE? spoke to them they were really helpful but they phoned me and stated that they would take £35 per month of the money I gave them for my creditors!! Have just phoned CCCS and they were great. Got a…
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Pay Plan ringing at 1300
got an appointment with payplan at 1300 the women on the phone for the initial interview said in prinicble we could be accepted so we are past the first hurdle, what do you all think the chances of being accepted are ??? Regards Moneybuster
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Hire Purchase Help!
Hi I'm new to the forum, so firstly I'd like to say "Hello" and also how valuable this resource is. Absolutley fantastic! Well, now down to busines... Whilst working for a local council a few years ago I took up an option of the Home Computer Scheme, and got a laptop from them on HP, they took the money monthly from my pay…
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Credit Report Problems
Hi Again Guys, I thought that I had finally started getting things sorted but it appears the delightful Orange company has other plans. I checked my credit report at CreditExpert on the 16/03/2009 and it should 6 accounts, one of which being my active Orange account. When I checked on the 17th I was shocked to find it only…
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Council Tax - 10 or 12 months
Morning Is there any reason why a council wont allow you to pay your council tax over a 12 month period rather than the standard 10 months Recieved our bill for 2009/10 and I have emailed them asking if it can be spread over 12 months. Will also follow this request up with a phone call but wanted to know if anyone else has…
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Debts, but I want to change banks
Hi, sorry if this is a noob question :) Anyway, I'm due to graduate this year. I'm with one high street bank who failed to give me the overdraft I requested, and did not send me a letter telling me that i needed to verify my signature. This was three years ago, and as a result, it completly soiled my credit rating- my rent…
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Thursday 19/3/09 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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*Even More positive vibes daily chat thread*19th March
Morning folks Didn't mean to be quiet yesterday, I got in bed with Chloe to give her a cuddle and woke up there this morning....:o I think I was asleep before Chloe.....I had been up since 4.50am though......:eek: Am working from home today so will be less quiet I promise... Positive chat seems to be working so lets carry…
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Advice on Cabot's first response to CCA 12 + 2 -day letter
Hi all I have several debts which were sold to, assigned by letters to and managed by Cabot, and make payments each month to them by direct debit following voluntary agreements set up with them which were al accepted. One is ex-Barclay, two are Halifax (both were with Blair OLiver and Scott). I wrote to them asking for…
