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loan and overdraft, help please.
Hi all Im after a bit of advice. Im am way into my overdraft and have a loan. Overdraft just over 3k. Loan 1.5k left. I desperately want to get my debt shifted. My gf is off work so im paying everything atm. Had a few problems and hence got to this mess. There is a possibility I shall be running a business but until it…
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Trying to improve my Credit Rating.....
Hi all, I'm a bit confused, and hoped someone could offer some advice? I have one default on my Equifax and Callcredit files - £565, from 2004 Back in November, I did lots of MSE research and as a result I am now on electoral roll (since Nov 08) and have opened up two mail order accounts (Limits/Balance: Littlewoods…
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1st credit and HBOS
Hi i hope this thread is in the correct place i only joined today so a little unsure how it all works.Anyway i have 2 debts with 1st credit passed to them from the halifax,up to now i have recieved threatening letters and one copy of an edited application for a credit card not the actual CCA.Interestingly the application…
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How did you tell your partner you had debts?
My OH is demanding to see my bank statements, convinced we have a debt problem, we do but it's minor, I can afford all the monthly payments. I just wondered how you told your OH, Our debts are: Barclaycard 2224 Argos 500 Vanquis 200 (Paid in full each month) Studio 400 Littlewoods 180 Capital one 190 Bank of Scotland 520…
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Best Unsecured Loans to settle other debt, please help !!!
Please can someone help. I am roughly in around £12,000 worth of debt. This debt is on 2 credit cards, an unsecured loan and an overdraft. I recently changed banks to alliance & leicester, and they have switched most thigs over etc. they will not however offer me an overdraft now that i have almost completeky changed over,…
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No CCA - pls explain
Hi I hope someone can please explain this to me I am on a DMP with Payplan paying 150 a month at the moment There are 2 debts which are for catalogue companies and reading on other posts I am wondering whether I may be able to offer a F&F on these which I may be ablet o persuade them to accept as there is no CCA in place…
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BT/Otelo/CSL
I have been having problems with BT for 2 years I put in a complaint to Otelo who ruled in my favour THEN!! BT put in a letter stating that they didnt agree with what Otelo had ruled and it has been up in the air for year and a half and I cant get any answers, BT owe me well over £200. I was so fed up with BT's…
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What should I do.
Should I go for a debt management or consolidation? I am managing but not sure how much longer. Dont want to move or give up house. Income £1369 Egg loan - Balance £8891 - Payment £200.09 Lloyds Loan - Balance £13405 - Payment £373.83 Debenhams - Balance £1000 - Minimum payment £43 Mortgage - Balance £97500 - Payment £673…
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Debt Management Plan, it is worth it?
Dear members I would be most grateful if you could possibly give me some advice at the present time, I believe that several people are experiencing the same difficulties. We contacted a company Debt Advisory Line because we wanted some help with our finances: They assesed the situation and recommended a “Reduced Payment…
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Fridy 27/3/09 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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***Its friday..Its 5 o'clock... it's CRACKERJACK!!!!!!!!*** daily chat thread...
:D Yes OK I'm mad!!!! does anyone remember that programme??? thiink it was the one that double o drop was in too... there was always a cabbage i seem to remember.. MADNESS!!!!!! ANYWAY!! welcome to friday people, a long awaited weekend ahead.. i'm off out the door any second for yet another blummin interview (thats 3 days…
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I fear Bankruptcy is my only option
Introduction I'm a self employed taxi driver working about 55-60 hours per week but still not making enough to get by. I live with my fiancee, and have 2 children from my previous marriage (they live with my ex-wife, but I pay voluntary maintenance for them) and have just found out I'm going to be a dad again:j. My fiancee…
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Credit Rating
Hi All I have a very good credit rating, have no defaults ever and have very little debt. I recently got married and although his credit rating has got better it still isnt very good. I obviously want to take his surname but i'm worried this will affect my credit rating, does anyone know if it will, i don't know much about…
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Don't know what to do now
I had a letter from a debt collections agency a few weeks ago. I had phoned to make a payment but they refused this! I have been very busy at work and forgot to post my letter to them asking why they refused to take my payment and to set up some sort of payment plan. Received a solicitors letter this morning. The debt is…
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Welcome Finance
Hi, I took a loan out with Welcome Finance in September 2004, originally for a Y plate Ford Focus for 5k. I took out an HP agreement. Im not sure what the amount financed was and have been paying 276.49 per month since. The agreement was for a 4 year period and ended in 2008. I have missed alot of payments and welcome have…
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Lowell Financial Ltd
Hi all, I am in the process of making F&F offers to all of my creditor. The letters have been sent and Lowell are the first to get back to me. It looks like they are going to accept my offer but want to email through the confirmation. They also want payment before the end of the month which would mean my mum paying on my…
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Any ideas ?
Been on cccs web site and spoke on the phone the only advice was to go bankrupt which i rather not as dont wish to lose the house so any ideas ?:confused: Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 4 Number of…
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Proof Of Debt Question
I have an old outstanding CC bill from 1999, that I used to pay on a monthly repayment sceme wih a debt management agency (cant remember who) after a while they stopped dealing with the debt and it went back to the card issuer) . I've not heard about it in almost 2 years until recently when I was chased by a new DCA (I…
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Allaboutloans.co.uk - HELP!!!!
I foolishly registered mmy details on there thinking that it was a rates comparison webtie and that a rnage of possible quotes would come up- how wrong. Around 20 missed calls/ cancelled calls later, I just had one from Gemstone something or other telling me someone has made an applicaiton for me and it has been turned…
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So close to being out of debt... but not quite.
Hi All, Over the years since finishing my degree, I've managed to clear two out of three overdrafts (only about £1000 left on the last one) and get rid of a credit card. While that all felt very good, I am concerned as to the chance of a "rate backlash" on my mortgage. I am on a standard variable and have been enjoying the…
