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Starting out on a new path!
Well, I've made the first step. Called Payplan to sort out my income and expenditure, and have agreed on a Debt Management Plan. Next step is sending out token payments, and cancelling direct debits! :eek: Wish me luck! And I will update as I go along! This site is a lifesaver! Peach x
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cca request capquest/index extra
following my request for a cca from capquest this was what they sent me. as this isnt a cca. 1, can i reclaim the insurance and interest. 2, can i say the amount is in dispute as a defence for my statuary demand. 3, how do i reply th this letter. thank you
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Is it time to contact Debt advice bureau?
Today i have hit rock bottom. Nothing left in the bank :( 2 and a half weeks until i get payed again :confused: Incoming is about £1250 Outgoing is about £1500 That includes all my bills..my morgage..life insurance..council tax etc. 1 credit card and 1 loan. Loan is for about 9k, cradit card is for 1.5k and overdraft is at…
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NI Debts
Hi i wanted to see is anyone in Northern Ireland had much expericen of dmp. Its just some of mine are with NIIB and Bank of Ireland and wanted to see if anyone had any experience with them. Thanks
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Phillips and Cohen Associates
Hi, I just wondered whether anyone has had any experience of dealing with this firm? By way of background (and I apologise if I am posting on the wrong forum) my mother died very suddenly and unexpectedly on the 02 February. Several debts have come to light, and at the moment all I have done is write to the creditors…
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What Next??
I have received all my CCCS paperwork and have compiled the wage slips and statements from the creditors and put in the signed agreement and also put in details of creditors with ref number etc.. who I no longer receive any paperwork for. I am posting this out today, but what happens next? Will someone from CCCS be calling…
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Credit report errors
Morning I recently obtained an online credit report for myself through Equifax, under their '30 day free trial' offer. There are a couple of things on my report that I don't understand. Equifax's website wasn't very helpful and when I tried to ring them I was left on hold for ages so I gave up. I know you guys are…
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Letter to Blackhorse
Hi Is there a template for a letter so i can write to Blackhorse explaining my situation in the fact i cant afford to pay for my car? I just want to ensure its worded correctly so it has an effect as such. Thanks muchly.
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Monday 9/3/09 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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*** Monday 9 March Daily Chat
Morning all. My body has betrayed me by waking up without the aid of a baby crying or a cat begging for breakfast:mad: :rotfl: So far have fed cat, made cuppa, emptied washing and hung to dry, put in another load and posted here... Nathan could wake anytime now (we're in bonus time as he's now passed the 4 hour mark...) No…
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Help!
Hi all. Having just realised I am barely keeping my head above water these days (Would this class as a LBM???), I thought I'd look for some support and guidance. I don't have much debt (luckily), I have a loan which will be paid off next January (fixed monthly repayments), and a small amount on a credit card. I have done a…
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Do you know what...? ENOUGH
Hi I posted on here a few weeks ago and got a lot of help and advice, unfortunately nothing much has changed and we've both had enough. Have decided to shame Barclays, who are reposessing our house on Tuesday, because they won't wait any longer for the ombudsman to make a desision on my case aginst them???. So me and…
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am i better to pay CCJ off or clear my debts 1st
i am in debt for around 75k in total. £32000 is my mortgage. £29900 is a secured loan £5000 Credit cards £3200 owed to abbey from previous overdraght. £2000 overdraught with halifax. £4900 for 2 x CCJ 1 for £4000 the other for £900 i have just read my credit file and i always knew that i had court action taken against me…
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Debt and House ownership Question? New here!
Hi all, Just need small bit of advice so I know if my idea will work.. This is nothing dodgy but I need to know if there is any thing in place to stop it happening. Someone immediately close to me has a mortgage, and has some loans which on investigation really have gone mad with the interest, shouldnt have taken then in…
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Really worried~ help with bailiff appreciated!
I could really do with some advice folks! To cut a very long story short, last year hubby drove our car to get some repairs done to make it road worthy and get it through its MOT. It was declared SORN at the time and not long after he got a letter from the DVLA saying that he'd been seen and was being fined- but that…
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29K debt - but want to move to OZ
Hi I have roughly 29K debt from 19K loan and credit cards. The problem is i lost my job last year, then went travelling ( increased debt by about 10K) for 6 months. I've been back 2 weeks, luckily got a job already, however i really want to go back to Oz and get my 2nd year visa, i dont want my debt to hold me back. I have…
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Living in my overdraft
Hello guys, I have an overdraft of £900 which i always meet every month, i know full well if my overdraft went to £800 next month i would meet that and not have any issues. My only issue is that my self-control isnt fantastic. Would I have a credit check done if i went into my bank and asked them to reduce my overdraft…
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Thanks guys
Hello, I'm relatively new to MSE and just wanted to say how uplifting I've found reading these boards. :j I'm only 23 but when I was a student, I had credit thrown at me - credit cards, overdrafts etc and I got into the habit of spending more than I earned. Even when I decided to pay off credit cards or debts, I often…
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MBNA Sold my debt to DRCI Or DCRI - who are they?
Hi They they sold my debt but no-one has written to me, but I have no idea who they are. MBNA informed Payplan but not me and Payplan have never heard of them! Anyone?? Thanks
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Credit card use before DMP or Loan Payment Holidays??
Hi all, I have just posted this in ask CCCS counsellor but I thought I would post it here too to ask if anyone has any knowledge, wisdom or experience to share on this topic! My husband and I are going to apply for a DMP very soon as we have hit crisis point. Basically we are now at the point of only just making minimum…
