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Clearing Debts A New Way
Something I'm trying, which is a bit unusual but could work. I've got a 3-figure debt, nothing much to be fair in terms of debt, but it's still a debt. I'm going to try to clear it using just referrals. Nothing more. Nothing Less. Anyone else tried this or want to?
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Full and Final settlements, advice needed!
Hi Some advice needed. It all went wrong for me in 2007, so I am working on getting back in the black. For the past 12 months I have been making regular payments on 2 credit cards and 1 loan as follows: Barclaycard: 7k, Paying £81 pm Marks and Spencer: 10k paying £55pm through moorcroft Egg:12k, paying £10 pm Total: 29k…
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Abbreviation
I see lots of abbreviations such as DCA and CCA can someone please tell me what they all stand for?
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Store card - help -
I know im being stupid but I'm terrified of contacting the store card company and now the debt collection agency but I need to because* the card is registered at my mums address and if worst ever came to it i dont want baliffs at my mums door, she is not well for a start and it obviously isnt fair to her. Can i change the…
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dmps and ivas
can someone explain the difference between an iva and dmp please thanks
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A Little Help from DFW's Please!
Hi all, At the moment I'm trying to sort out my boyfriends finances. The problem lies in that he started a new job in December that paid a lower wage than his old one and it has had a much larger financial impact than he anticipated. I found out he was in debt about 2-3 months ago and started helping him look into ways to…
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Can I be debt free by the end of the year??
I know lots of people have started threads pretty much the same, but I need something to motivate myself!:rotfl: I have had a few LBMs over the last year but due to circumstances have not been able to much about it! Too much rent, not enough money etc etc! Anyhow, now I sorted that out and pay a lot less rent....... so it…
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Is it too late if.....
I've just been talking to friend about my debt problems (not the amount tho :eek:) and they opened up and said they were also having some problems regarding an old debt with Barclaycard. The debt has been passed on to a debt collection agency and my friend has been paying them monthly and has just £150 outstanding. My…
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imoney manager programme
Has anyone else used this? Came across it on this site, but have a few questions. Where it asks for details of debts. For example interest rates on overdrafts, if you are over your overdraft so part of it is being charged at 25% and the other part at 9% what do you put in for the interest rate? Also what would I put for…
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No cca a not on credit file??
I was wondering if anyone could maybe help O.K Here we go... I sent a CCA request to CL finance on the 23rd of December- I was on a reduced payment arrangement with my horrible Dorothy Perkins card for a couple of months as I was a bit strapped for cash. Anyway they sold it on. So when I had the letter from CL I sent them…
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preferential payment?
hi all wonder if u can give me some advice? Have a natwest account with 2000 overdraft.Also have an offset mortgage with them and a bank loan with them. Recently lost jobs so went to CAB and they have wrote to our creditors (including natwest regarding overdraft)offering £1 per month. The unemployment insurance is paying…
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Please help where do i start
Hi All I am hoping for some help please as I am in a real mess. OH has had he salary cut by one thousand pound a month, no more overtime. I really need to get our spending under control and start paying off our credit cards. He seems to think I should just put all our cash each month on them and then use them for shopping…
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J2 Solutions and a debt that should have been settled.
I wrote earlier as I had received a letter from J2 Solutions and was very worried about it. I am now aware of what it relates to and was hoping for some further advice. The outstanding debt relates to finance for a car which was purchased in 2003. As mentioned in my earlier post I fell into difficulties, at the time I owed…
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DMP vs Full & Final settlement and advice on SOA
Hi Can someone tell me please what would be the best a option, or the fors & againsts of either doing a Low start DMP or (if we can borrow some cash from family) a Full & Final Settlement. Also is there a help thread on here regarding FF's? I can g=find a lot of help r.e. DMP's but nothing really about FF's Thanks so much x
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RMA Debt collection agency
Hi all, I'm new to this site and I have been looking for advice regarding an Amex debt of mine RMA Debt Collection Agency have got now. I agreed with RMA quite a while back a payment that I would pay each month, I have stuck by that and have paid the agreed amount on time each month then yesterday I received an email from…
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Big Spender Needs Help!
Hello everyone.. I'm new here and just wondered if anyone could help. We've got ourselves into a bit of debt over the past 12 months, mainly due to my overspending. I went freelance in 2007 and had several months where I was bringing in lots of money on a monthly basis. But instead of saving some away or paying off…
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Hi
I was a debt free wannabe in 2007 under a different name. I had my internet cut off, and couldn't get on here. (Now I can't remember any of my old details). Anyway to cut a long-story short, I want to thank everyone who was around at that point in time for their help and support, as despite not having the internet I…
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Help!!! Who are Monument? Are they Barclaycard
HELP! Need to understand WHO would supply CCA request as am going round in circles...... Bought Monument Visa Card in 2004, correspondence comes from Barclaycard's Customer relations Unit Northampton. BUT sold to CABOT 2007 WHO supplies CCA???????????? Is it Barclaycard (say they can;t find account) Or Cabot or Monument?…
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CCA request - Barclaycard can't find account (even though they refunded charges!!!!!)
Hi I need some help here. The 12/2 CCA request for receipt of the agreement for a Barclaycard (Monument Visa) card (opened in 2004) came and went like winter into spring. Then, lo ho ho, a letter from Barclaycard's Northampton Customer Services Unit arrived saying ''they had looked into my complaint" (as they call it),…
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Loan or not to loan?
Looking for some advice please. Basically I dont know if I should get a loan to clear my debt or just keep at it like I am doing. Here is a list of all my debt: Next £217.98 monthly payment £20.00 Great Universal £225.90 monthly payment £20 Paypal £2,889.82 monthly payment £140.41 Lloyds TSB £858.41 monthly payment £35…
