-
First letter.
Does anyone know where i can find the "£1 letter"? Basically, the one that says I'm in financial difficulty and am sending a token payment for my account? I saw a really good one on here but can't seem to find it through the search button. Cheers.
-
Wanting to save to move back home
Hi A bit of background first. I moved to the UK about 4 years ago from australia. I met my dh over here and we have a 19 month old son together. We would like to move back to aus in the next few years (before our son starts school), but would like to go back with a large house deposit and enough to live while looking for…
-
Personal Guarantees - please help
My business failed last year and there were a couple of creditors issued CCJ's against me which I was unaware of at the time that have now turned to charging orders. I am hoping that someone will be able to answer the following as I am going to apply to have them set aside: 1. Do default notices 1st have to be issued on…
-
whats been your outcome?
i am still running around a wheel like a huge hamster wondering if i will ever be able to get off? my harrasing calls have now change to harrasing letters. i know both of my companies involved want me to come up woith an arrangement of paying off these loans but they dont seem to want to meet me half way or even 10% of the…
-
Rossendales, what now?
I appear to be charged excessive fees on an old council tax account, where do I go from here? I've been charged 2 x visit fees which bailiff (see his general conduct in Dotstar's thread) did not enter my property. I agreed to pay at end of month (tomorrow) but I am not happy re these following fees: £110 van fee (he did…
-
help and advice needed
i am a newbie therefore not sure if this is the right link or not. I, no we, have been avoiding our debts for the last 15 years and now cannot afford to make the minimum monthly payments. Being debt free seems an unachievable dream, havin money left at the end of the month would do! here's my financial state at the moment.…
-
Bryan Carter & Co
Just looking for some advice pls I recently paid off a debt with Shop Direct Group through the above solicitors. This debt is registered as a CCJ on my credit file. I have received a letter from them confirming that the judgement has been paid in full - but they also mention that "in order to obtain a certificate of…
-
Old Bill from British Gas
Hi, Today I recieved a final bill reminder letter from British Gas for electricity. The amount was £116. I immediatly rang them to ask when this was for, as we have not been supplied by BG for a long time, I was told it was from August 2006. I was furious because, we were indeed with BG very briefly in 2006, and when we…
-
Orange / Arrow Global Debt
My Brother had a number of debts and finally managed to settle them all around June/July time last year. One of the Debts was a very old phone bill from Orange. When he contacted Orange he was told that the debt had been 'written off' and was considered settled and they sent him an account statement showing a 0 balance as…
-
Feeling miserable
:( Hi all This is my first post, I am a debt-free wanna-be and need some help to keep me sane I have created a spreadsheet to document where all my money is going every day / month as although Im always in the green, I never have money to save or spare The hard part is i dont buy clothes, shoes (cant remember the last time…
-
IVA or Bankruptcy?
Hi I have personal debt which I can just about keep on top of for the moment. I also have some debt which has recently come to me from a business I used to be involved in. This debt I can't pay, it is going to push me over the limit. My question is should I go through an IVA or Bankruptcy as I want to keep my house? I have…
-
Settling debts with creditors for lower amounts, good or bad?
Hi guys, I am contacting the the companies I owe money to offer a settlement, rougly 10% to 20% off the amount, and close my accounts/file. Most have agreed but some warned that: a- The debt wil show as unpaid b- It will be closed and settled but shown on my credit file that it was partially settled C- Pounds till payday…
-
Crapquest - Beware!!
Hi - received a well cheeky letter from Crapquest last week - I've been paying them £60 per month for a debt for well over a year now and never missed a payment (thanks to advice on here - I pay by Standing Order). They wrote to me and said they've reviewed my payments and my new payment amount will be £72 per month - they…
-
Ebay experiment
I am in the middle of moving house (whoo!) and whilst packing up my belongings discovered I have gazillions of cosmetics, beauty products, cremes lotions and potions. Seriously I could stock a small Boots with it all. Do you think it would be worth putting, say five items in a bag and putting them all on ebay, labelled…
-
My first post on DFW, need advice - SOA included
Hi, I don't think I have posted on here before, but we have finally come to the point where we can't carry on burying our heads in the sand and spending on credit cards - mainly because we can't get anymore credit (finally, this is my kick up the bum) so I know that the idea is to pay off the one with the most interest…
-
Live on £4000 for a Year, 2009 Challenge, part 2
Live on £4,000 for a Year - 2009 Challenge Part 2, April - June 2009 Part 1 - January to March 2009 Part 1 - January to March 2008 Part 2 - April to June 2008 Part 3 - July to September 2008 Part 4 - October to December 2008 ==================================== Please read the MSE forum rules and help us to keep this…
-
Can I overpay on a loan?
My fiance and I have a loan with lloyds for £21k We pay £369 a month off the loan and its for 7 years (due to end March 2016 eek) Is it possible to pay more off the loan each month? say some months we have £50 spare can we pay the extra off the loan to bring the term down? Or would we be better off putting the £50 spare…
-
Capquest
Long time viewer, first time poster. I received a letter from Capquest stating I owed a sum of money on an Egg card. I am certain that this debt is not mine as I have never had an Egg card, I have checked my credit file and no debt shows for Egg. I sent a prove-it letter based on templates from this site. I have now…
-
Question about my credit file.
Way back when I got into loads of bother with my credit, I ended up with 3 CCJs and about 8 defaults (store cards, loans etc) Well finally on the 31st Jan this year my credit file was finally rid of all the badness (6 years later) :j :j My credit score soared (as I had managed to get a capital one credit card in 2004…
-
Working out payments?
I'm trying to start my DMP, and have a little over 15k borrowed from 5 creditors, does anyone know if there is a tool that will help me work out how much to pay whom? Many thanks, maths is not my strong suit!!! :huh:
