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Tax good news!!!
Whilst at work this afternoon (in a bank!!)a customer came in moaning about charges but once he decided he wasnt going to do anything he went on to inform us tellers that you can contact your loacal tax office and reclaim tax overpayments!! I didnt believe him but he said he did it and got back over £1000 !!!!!! I was…
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hmm ??
i was just thinking and it may be wrong but if i had an overdraft facility which i used to the max and was rarely in the black so to speak. if I incurred a default charge for unpaid direct debits or overdrawn charges the bank would indeed be charging themselves?? overdraft facitlity = banks money charges on overdraft =…
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DCA fraudlently signed cheques
Hi, not sure if this is in the right place, me and hubby have debts of £28,000 ish and every month we send creditors a cheque each,most debts are at DCA but this month hubby thought I had signed cheques and I thought he'd signed cheques, during the past week , some of the chqs have been returned to be signed and sent back…
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My 60 year old mum owes 14k on credit - Help pls
Hi all, been visiting this site for a few months and have learnt so much about money saving and paying back our debt which Im getting pretty good at, thank you all ;) Because of all of you my thoughts turned to my mum, she is just about to turn 60 years old and owes 14k to Capital 1 credit card. They just kept upping the…
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Are collectors who deal with HP loans classed with same rights as unsecured debts?
Sorry for long title but I had agreement with finance company to pay 3 increased payments for Jan, Feb and March to clear 1 months arrears plus charges, then pay normal for April and May, with final payment due in June anyway. I couldnt make full payment for end of Feb as have cleared Council Tax, Electricity and water,…
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Aktiv Kapital - settled for 50%
For anyone that read my post last night about me calling these idiots about a family members debt, they accepted an offer of 40% and are sending me confirmation in writing before family member is paying it. I was hoping for more like 30% but a 60% reduction is still good I think?
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Is life worth it anymore when in debt?
Just wondering. Tried to end it last year because of too much overload with health, scraping by on a pittance, being mucked around by people who said they would help then when it came down it to were not helping just making it far worse and also never there when you needed to get help from them. So, only one way out exist,…
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Please help - in total debt crisis
I'm really sorry if this is not the place to post, but I just need to get this out! I was made redundant due to ill health at the end of 2008 (I suffer from severe depression), but was offered a job with a lower salary elsewhere. However due to my sickness record I have had to wait to get accessed by the company's…
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Question about car finance
firstly apologies as i know this is in the wrong place but was unsure where to put it. looking for some advice for a friend finance is taken out on a car in person 1's name only, car is registered in person 2's name. person 1 dies whilst money is still owing on car, what happens to the car and the finance agreement, is…
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Sell house to clear debts?
I have a house worth 155K with a 127K (repayment) mortgage on it. The tenants are brilliant, but the rent does not cover the mortgage – at the moment I add £100 to the rental income, but not so long ago I was adding more like £300 every month. The property I have abroad has no mortgage on it, but it is not habitable (I…
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Court date next week...
Hi, Finally going for it..Thanks to all for the incredible amount of information on this site, could not have managed without. Got court date for next week (omg) cannot decide on my brown or grey suit:confused: not worried about the actual court, but expect a roasting from the OR for my irresponsible spending including…
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Apex payments?
Hi all, Halifax sold my debt to Apex back in november, a while ago I requested a copy of my CCA and have now received this. Apex have phoned today asking for 1. Full payment less 15% if paid in full now 2.Full payment spread over 3,6 or 12 months 3. 10% paid today (£500+) then they would do a income and expenditure form…
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Im getting 10k inheritence next month..help!!
In a months time Im being given 10k inheritence.:j Do I pay off all my debts (See signature below)? Then start to save deposit for house from zero.. Or only pay off one of my debts and put in 7k into house deposit funds?Leaving 1 credit card outstanding? Question is, can you still get a mortgage with debts hanging ove…
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We will be debt FREE in 1 hour
In 1 hour we will have cleared our loan off and will be debt free:j I have got butterflies in my tummy thinking about it.:D. Reading about others on this site has helped. Good luck to all.
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outstanding credit card balance from the 90's
Hi hope somemeone can help me, bit of a story, will try to make it as brief & easy as I can to follow. Opened a letter from a comapny J2 Solutions wanting to locate me, asking me to call them which I immediately did. Transferred then to another comapny Mackenzie Haul saying that I owed an outstanding balance to Barclay…
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SOA can anyone see how we can save??
background.. i live with partner and my 2 kids, we have his kids 2 -3 nights a week, i am looking at going to uni and somehow need to get my fees out of this little lot below. I have addressed everything i can, but maybe someone can see something i am missing? Any points that i am aware are high i will put note beside them…
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Help please with Credit card T&C
Hi, I am new to this I would be grateful of some advice, I sent off for a CCA from iQor after 8 weeks they sent me a credit card application form this to me was not accetable so I sent back saying this was a mere application forms with no T & C with it, then today I recieve another letter from the including a 7 page a4…
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Help - DMP with Spectrum and want to move to Payplan
Hi, I rather foolishly :mad: signed up with Spectrum Finance approx 2 1/2 years ago (approx £40k of debt), i have paid them approx £1400 plus £29.38 per agreement they reach with a creditor (approx 17) and £17 per month for arraing payments. I have since found companies like payplan and CCCS but to go with them i need to…
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Cashback Website Help
Anybody know if any of the cashback sites do cashback for aer lingus? I'm booking over £1000 worth of flights and want to see if any do cashback before I book- I use quidco and greasy palm but think it would be worth signing up to another one if they do cashback for the airline Thanks
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Messgae from my old DMP company
They should have received my termination letter so no doubt are ringing regarding that. Should I ring them back? What should I say? Do you think they will try to make me stay because they want our money? Advice appreciated. Oh and the DMP company is Greggory Pennington, we have left them to join CCCS.
