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Hello
Hi im a newbie and just thought i would say hi as i start my debt free challenge. Will post SOA soon
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thanks for helping me get debt free before 40
Hi all, after having my LBM way back in Nov 2006 i've spent the last 2 years+ trying to reduce my credit card debts. they were about £11,300 at their peak - not devastatingly bad i know but bad enough and i'm ashamed to say i have nothing to show for it - exactly what i was buying i'm not sure - although alot of it was…
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Going it alone
OH and I currently have a DMP with CCCS. Started this in September 2008. We owe 39k to several creditors between us. I have now started full time employment :j and as such we can now afford to pay our creditors more money. So our plan is to leave CCCS (who I sould add have been good) as we are now going to be able to pay…
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Prepaid Mastercard
My way of getting out of debt is to cancel all my DDs and buy a prepaid Mastercard. I will use that to pay my ISP and Sky. I can't get into debt and I will be in control. Best of all, no bank charges. I am going after the bank for my charges, and then closing my account. I will be in charge of my fiances instead of a fat…
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have sent MBNA token £1 and they want me to call....do i?
As title says i sent MBNA £1 token payment with proforma financial hardship letter that CCCS sent me and income/expenditure sheet. MBNA thanked me for sending the budget sheet and asked me to call them to discuss my situation. Should i call or conduct any exchange in writing only. What should i say?
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Snowball calculator - update
Just to let you know that I am still working on this. And especially for poorandindenial, I have redesigned the input form to cater for 3 one-off debt repayments - including the month in which you will make those repayments. http://www.makesenseofcards.com/snowcalc.html Note. The "Prefill from SOA" and "Check Form" buttons…
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Requestings Statements from Creditors when on a CCCS DMP
Hello everyone! :wave: I'm hoping someone wonderful can help me out or point me in the right direction. I've been on a DMP with the CCCS for a year now, and all is going well, thankfully - the first couple of months were a bit grim but then everything quietened down. While I continue to get statements from most creditors,…
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can a DCA place default on credit file??
Just been talking to a family friend who thinks they know everything there is to know... They are saying that a DCA has no right to place a default on your credit file? is this true?? My brother has a default on his file that was placed by robinson way and not the company he owed money to... so what is correct? can a dca…
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J2 Solutions...advice needed
Hi. Not sure if this is the right forum! I have received a letter from J2 today asking for the whereabouts of myself using my married name. I have not had any debt in this name. I previously had an old credit card debt in my maiden name (approx 2001) I received a letter from Lowells regarding this about 12-18 mths ago. I…
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Sorry long story but bankruptcy or debt management plan?
xx..............................
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Pay just £1 - how can this help?
For a few weeks now I have not taken action on advice I was given by CCCS :o . I was told as we have no surpless income we cant afford to continue to pay the debts at the current original agreed repayments. We were advised to write to each creditor and send in our Income and Expenditure list and a £1 token payment and…
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Debt Letter
Hello, everyone, this is my first post on the site, and was just wondering if anyone could give me any help/advice. I appreciate that this topic has been dicussed before and i have read the threads but just wanted some further advice. My wife recieved a letter from TELOGRAM acting on behlaf of CAPQUEST saying there is an…
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T Mobile Harassment
Over the past few weeks I have had bills from T Mobile sent to my address. These bills relate to someone who does not live here but who used to live in a block of flats up the road and mistakenly used our postcode. The amounts owed have steadily got higher until today when it reached over £1200 - including a termination…
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Watchdog Shuts Down Debt Sites
Just thought you might be interested, http://news.bbc.co.uk/1/hi/business/7929070.stm
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im looking for a capquest debt recovery email address
hi everyone im looking for an email address for capquest. i have looked on the website for one but could not seem to find one, so any help would be much appreciated, thank you
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7&8 /03/09 What small dfw things have you done?? weekend thread
: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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March 7th-Daily Chat-SPRING HAS SPRUNG! Whoop!
:j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j In the words of U2-It's a beautiful daaaaaaaaaaaaaaaaaay! Rise and shine! Had a dire sleep last night, DS wee'd the bed and came into ours at 1am. He's a reet 'ol snugglebunny and kept coughing in my face so I re-made up his bed and went to sleep in his...and tossed and…
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Oft Pulling Their Finger Out.... Debt Managment Company websites
http://news.bbc.co.uk/1/hi/business/7929070.stm
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how often do you get called a day?
is it just me but i am receiving so many calls a day it is making my head spin. this is without exaggeration which i know we are all want to do on such occasions but i am being called by both halifax and lloyds. they start at 8 am 7 days a week dead on 8 saturdays and sundays and they finally end at 9pm. usually a frenzy…
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ejt87's trying to become debt free whilst at uni thread!
Ok well today I finally sat down and realised just how much I debt I owe on everything. Not taking in to consideration the student debt I have so far accumulated I am £5409.24 in debt, this being a mixture of my car loan, overdrafts and one credit card. I'm 21, and a full time student, part time supermarket worker. I…
