-
Thursday 12/3/09 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,…
-
Possible to 'clean-up' your credit rating?
If I have a default against me, is it possible to pay it off and have my credit rating cleaned up?
-
whats the differece?
does anyone know the difference between clydesdale bank and clydesdale financial services?
-
Selling on a Debt with no OSA?
Hi, Just want to ask this... Moorcroft was asking about a debt in which I may add was paying off, but they did come round to my house on a Friday night 6 months ago, banging on the front door:mad: Now I quickly told the chap, to be on his way in which he did. after that I wrote them asking for a copy of the Original signed…
-
Are Barclaycard breaching something here? Re complaints to the Ombudsman
Okay, just opened their latest statement and noticed the following statement about dispute resolution in italics down one side: Dispute Resolution If you have a problem with your agreement, please try to resolve it with us in the first instance. If you are not happy with the way in which we handled your complaint or the…
-
**Daily Chat Thread Thursday 12 March 2009**
Morning everyone, its dark here. I'm off until 1400 then back to work but have tomorrow off and I'm home a week tomorrow for 2 weeks which i nice. Have a good day everyone. Len
-
CCA Request - Is there light at the end of the tunnel?
At the end of January I started to request CCA’s from my three credit card providers and for my personal loan. I have received responses from them all now and now need some advice of what to do next please. Lloyds Loan I requested a CCA from my personal loan provider (Lloyds TSB) and they have sent me a signed agreement…
-
Is there light at end of tunnel?
At the end of January I started to request CCA’s from my three credit card providers and for my personal loan. I have received responses from them all now and now need some advice of what to do next please. Lloyds Loan £2.8k I requested a CCA from my personal loan provider (Lloyds TSB) and they have sent me a signed…
-
Aktiv Capital + other CCJs
Hi everyone, I have posted on this board a few times and I have found some brilliant advice on here. I am dealing with a family member's debt at the moment. I seem to get lumbered with dealing with all my family's legal and money problems. Said family member has 5 CCJs. Total debt is around 13k. Capquest have not sent back…
-
Little help please?!!!
hi everyone.. just wanted to ask a quick question i have been told by kind people on this site not to give creditors a copy of my signiture.. yet i dont know how to send token payments to creditors do i use cheque? how would i do this... please answer asap thanks for your help people!!!
-
partner who likes to bury his head in sand
My bf is crap with money, and anything that comes in the post from banks, to do with tax, fone bills anything like that he hardly use to open them, he now lets me open them, and I have also tried to take over them money because I'm slightly better, but I'm finding it hard when alot of the time he doesn't want to talk about…
-
Payplan or CCCS Advice Please
Hi all Having spent hours reading the forums here and knowing that we are not alone we have decided to jump on in, that is in to the forum, we had already decided to do something about our debts just not sure what. So a little background: In August we decided to set up in business and purchased a website design and…
-
Where to start to get debt free?
Good Evening MSE peeps! I am a new member, and have kinda found all the information on the site a bit overwhelming.. I was hoping to get some clear help about the best way to get myself debt free. Lets start at the top. Currently I owe just over £11200 quid. HSBC bank loan: £3600 Halifax One Credit Card: £4694 (Limit…
-
Allied International Credit - Help
Hello all, I'm new to posting (having often read) and in search of some wisdom! To try and cut a long story short, 5 years ago I had a good job etc. etc. then I was made redundant and approximately around the same time found out that I was expecting my first child, which made finding another job that much more difficult.…
-
DFW noob
I've just joined the site after hours of reading everyone's posts. As a bit of background, this is my first year out of uni and also my first year living with my boyfriend. I was lucky to find a job very soon after graduating and my bf is also working, but with little to no experience of budgeting and living costs we seem…
-
My experiences so far of making full and final offers.
Hi, some of you may have read other posts of mine/ours (my wife and I both use the username karma police) and will know that she has just gone bankrupt. I'm the other half of the partnership, so I thought I'd just offer up a few snippets of my current situation in the hope that it will help others. As background, between…
-
bloomin CitiCards are gonna get it now!!
Just had a call from CitiCards at work, I recognised the number so refused to answer. I did take a call from them on the 5th, at work, and during that call I requested that they stop calling the work number and only correspond with me via post. (I'm on a DMP with Payplan who had sent out all the correspondence to my…
-
Egg Money Account Terminated - HELP !
OK, I am trying to get on a DMP But have had some problems with money and addreses but its all getting sorted now. I made a payment to egg ogf £300 last night online, to clear my arrerars etc my mail from my old address got forwarded to me today and its got a letter from egg money saying my account is terminated and that…
-
Failed DD charge
Not sure if this is the right area for this. I had a DD fail on me today, which i knew was going to happen, but my bank have charged me the £35 fee automatically. This has caused me to go over my overdraft allowance. I was under the impression that they had to write and inform you of any charges before deducting the money…
-
Am I being unreasonable and how can I solve this?
Hi guys Haven't posted on here for a good while now but just wanted to get peoples advice views on a bit of a problem. Hubby & I have been married for 18 months and are both in a fair bit of debt between us and are slowly slowly paying things off, inc loans, credits cards and overdrafts. We also have a home which is in…
