-
yet another light bulb has switched on!
Hi all! Im joining the bandwagon and jotting down my debts / soa in hope to figure a way into a more stable life!!! Ok here goes Income Mine £1100.00 O/H £1400.00 – roughly sometimes more sometimes less depending on overtime Other £400.00 – this is a extra income that we have but it changes every month we have been getting…
-
Help! I want to be a DFW!
Hello everyone! I am new to the forum and have debts like everyone on here and would appreciate some advice from somebody please! I am currently swapping my debts from one 0% card to another so am nto doing too bad there, but it just seems to be taking forever! I have already used the CCCS Remedy tool which helped to know…
-
*Daily Chat Thread 28th July - ALL WELCOME!
Morning all....work day for me... No decorating today....all decorated out. Got stuff to take to tip but will do that tomorrow....
-
Tuesday 28th July - What small DFW things have you done today?!
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, when…
-
What to do now???
Hi! i.m a 33years old and married with 5 kids. Having been struggling with debt for the last 4 years, i think it has finally caught up with me as in March this year i was made redundant. Brief history: Between 2004-2007 mortgage payments went from £500 pm to £1300 pm. Secured loan on mortgage (First Plus) who would not let…
-
Problem with Ultimate Credit Services
Back in April, I recieved a letter out of the blue, at my new address (had only moved in two months previous) from Ultimate Credit Services, chasing a debt for £180-odd from MEM Consumer Finance Limited. Now, I went through a tough period between 2003 and 2005, and it is entirely possible that I may have used the said…
-
Lowell Portfolio I
Hi, wonder if some one could advice me what to do next. I received a letter at the end of June 09 from Red Debt Collection Services, saying that "they have been appointed duly authorised collection agent for Lowell Portfolio I Ltd and instructed to recover the outstanding monies due to their client (Capitol One)". Naughty…
-
ebay listings complete
now i need to sit tight and wait - taking Katy's Advice - if it doesnt sell im going to do a car boot (OMG the early mornings!)
-
Citi Cards Harrasment
Hi Everyone I'm after some advice regarding the harrasment letter please. I sent a letter asking Citi Cards to make all contact in writing only, using the standard template aswell as a please re consider your refusal of my DMP. The letter was received and signed for last Thursday, I am still receiving 2/3 calls per day,…
-
Full and final settlements agreement letter
Hi guys havent posted for a while. Still trying to negotiate these full and finals. I have managed to get this offer from dlc. This is the letter that they have emailed me do you think it covers everything? We confirm that we will accept £8200 in full and final settlement of your account as above. Your payment must reach…
-
Default Question
Hi, please can someone help with a default question i have?:confused: I defaulted with HSBC bank in 04 and have been dealing with Metropolitan Collections ever since. Now, I know that a default is removed from your credit file after 6 years even if there is still money outstanding but if I have been paying a reduced…
-
Problems with Natwest
Some general info to set the scene: Graduated from uni in 2005 and got a graduate account from them with a 2k interest free overdraft. Everything was being managed reasonably well and within the limit, after a certain time they removed the interest free part (i am now led to believe that there should have been the chance…
-
Bad loan advice- please help
Hi all, Please see my statement of affairs below. I was told by my bank Natwest on Sat that I can have a £3500 loan over 4 years but for 23.7%. Does anyone have any better suggestions? Would really appreciate some help, Thanks Statement of Affairs and Personal Balance Sheet Household Information Number of adults in…
-
Payment arrangements
Good evening all. Does anyone know that if your credit rating improves during paying your debts off, as in if you never once miss a payment, or does your credit rating only start to improve once all debts are paid off? Is there any way of finding out all of the people you owe money to, and if you once had a experian…
-
Can't seem to get my head around it
Hi all, I currently have debts of around £9500 and wanted to get a debt consolidation loan to sort them out. Of course, nobody will give me one as I'm not a homeowner. I knew that debt management plans existed, but I didn't want to go that route because of letters still coming to the house and telephone calls. I can't let…
-
Help with a horrible situation please
Hi, I am new to this and really want to get my finances sorted but things keep getting in the way. I have looked at our finances and we have about £440 left to pay debts - so far so good. We owe council tax arrears so most/all this money should go to them. We owe several non-priority debts that we are struggling to…
-
Defaulted Payments
Hi, This is my first post on here. So, hello all! I hope I have put this question in the correct Forum. There was so many to choose from. I have been divorced recently and in the whole nightmare me and my ex disagreed about who should be paying off some finance for some furniture. In the time that we disagreed over this,…
-
right - hope i have done the right thing
I have spoken to my bank as i was paying 14.9% on my loan and they have got offer on for 8.7% so i have asked if i can change that loan rate to the lower one. They have said i can but over an extra 12 months so it will be 60 months before completely debt free. I have agreed in principle as it will lower my monthly…
-
How do i pay off these debts ASAP???
[tt]Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 0 Number of cars owned.................... 0 Monthly Income Details Monthly income after tax................ 2000 Partners monthly income after tax....... 0…
-
advice please. not sure whats best to do.
hey. ive been posting in a few of these forums IVA's and BR. To cut a long story short. i'm £23,000 in debt. matters made much worse by losing my job in january and started work again in june. its only a temporary thing as hoping to get back into my regular work in the autumn (which is looking positive). My current…
