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Rockwell Debt collectors
I have a debt with HSBC which has been passed aroun all debt collectors, but Rockwell is the lastest,. I have 5 children and am a student , my husband is ill with M.E and is very unwell. I suffer with depression. I have been paying £ 10 per month quite happily until two day's ago when a rude young lady demanded full…
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Frightened to take the step
Hi all. This is going to be some ramble. PLEASE BEAR WITH ME - THIS IS A DEBT PROBLEM. In 2005 my mother died whilst I was on holiday alone with her in Italy. The shock and subsequent events in my personal circumstances totally unhinged me. I already suffer from depression and have been hospitalised on various occasions. I…
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debt report question
i was in debt quite bad over the last few years and defaulted on payments. i have now cleared them off. is there anyway of getting them cleared off the credit report or should i notify them that its been settled so it shows up on my report or do i just have to leave it? ta
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about to start iva
Hi new to forum my o/h and I are about to start a IVA with payplan.Still have to open another bank account for wages ect.Going to do that today hopefully with barclays. There was a delay because i opened a step account with Natwest, they sent card ,account no, but when i tried to go online they said i had to ring local…
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please delete - Lewis Group
Hope you can help and I have put this in the right place. I had a debt with HSBC Credit Card that was passed onto the Lewis Group for over £900, now done to £75 but can't contact them to pay the balance. I am unable to log onto www.ICanPayU.co.uk and noone seems to be answering the phones. Any advice - or does anyone know…
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Odd!!
I just recvd a text message asking me if i had requested a balance transfer onto my virgin card! i had to text back yes or no. Never had this before!!! Very Odd - anyhow it seems like its going ahead! YAY :beer:
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What do you have for lunch at work...
...and how much does it cost?! Just looking at new and (very) cheap ideas for lunch at work. Most of the time I bring in leftovers, but when I make stuff like Pizza etc we usually eat it there and then, so nothing left over! I work in the City of London so it's very expensive to eat out at lunch. On friday I went with a…
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Aktiv kapital
recieved a leter 4 weeks ago offering chance to settle debt of 1012.00 with a one off payment of 404.80, now i recieve one with an offer of 202.40, does this mean anything not in position to pay, but i am gonna ask all of my chasers for proof of ownership of debt, as some chase for weeks then go away for a yr then back…
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SOA Help Please
Hi, I have done our SOA as currently in an IVA and are seriosly considering bankruptcy as we sruggle to make the payments. Any help would be appreciated. Thanks Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 1 Number…
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Monday 27th July - What small DFW things have you done this weekend?!
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…
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*Daily Chat Thread 27th July - Monday again|!*
Phew, I am jiggered.... Yesterday was manic......picked son up went to Ikea (very very busy) in and out for what I wanted:j home again. Took DD2 to strain station to visit nan for a week :j and then spent the next six hours putting a set of drawers together and helping DS strip skirting boards and put new floor down.....:j…
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MBNA lump sum offers?
I am just entering a DMP with PayPlan, but have been making token payments to MBNA since May. I owe them about 11K, they have called me and said they would take 7K (about 70%) as a lump sum. Funnily enough, I have exactly zero available to give them. My mum may possibly be able to help, but certainly not to the tune of 7K.…
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Snowball Calculator - Reality Check!
I'm very excited to have found this and it was mentioned by another member. I have completely spent today overhauling my finances to see about getting this all paid off in quickest possible time as I would prefer to use this debt money on buying a nicer home to start a family in a couple of years! Has anyone else followed…
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Been playing around with SOA...how dows this look?
Been playing around with my new SOA...just wondering how it looked, and if anyone had any input, i'd be grateful! Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 3 Number of children in household......... 1 Number of cars owned.................... 1 Monthly…
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credit history help please?
I recently applied for a 0% CC to transfer the balance from my 3 store cards onto (all 29.9%) thinking i would be better off doing that. Anyway it was declined. I know my credit history was bad, back when i was 18/19 but i'm 22 now, and thought it would have improved a bit. Just wondering how i can see my credit…
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New here
Hi there, I posted yesterday and said I was going to post my SOA here and I have done it and it has saved but I cant find it now!! Ahhhhhhhhhhhhhhhhhhhhh Annie
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HSBC Advice
HSBC has written to me asking how I intend to repay about my overdrawn balance of £245. I've offered to repay them £20 a month in the hope that this will get them off my backs and eventually pay off the debt without me getting into a worse situation. Do you think they'll accept this? I've moved my everyday account to…
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This one is a corker and defo different to others.
Bit of a long post but, I think you should love this one. Long story short......... when I was getting divorced (the first one) the Judge was kind enough to transfer all the money owed (we had joint accounts) to my name. This was irrespective of the fact that before I had caught on she had gone and overdrew in the current…
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Lloyds TSB/DCA
Hi folks. I am curious on the letters we receive from Lloyds tsb, as we are paying token payments as advised by the CCCS at the moment to all of our creditors of all are those of Lloyds TSB, it has been three months now paying the £1 token payments to them. Even though they confirm on their letters that these have been…
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Advice about bankruptcy & DRO's
I have a lot of debt problems which I can’t get out off, I have no assets and the only way I seem to be able to get out is bankruptcy or DRO. I have a couple of questions, I have a few accounts online, some poker accounts online and PayPal these have small amounts of money in around £500 - £1000 in total. I use these…
