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No more debt!
Well this is a difficult one When I was married to my ex, we got in to all sorts of debt trouble and ended up with managing our money through CCCS who were fab! We paid off everything but there are a couple of things still lingering on our credit report as its less than 6 years! I have managed to get some errors removed…
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Need immigration money - FAST
Help please, need to raise £7.5k in a hurry..... the Canadian Govt is asking for proof of funds which are 'unencumbered', so although we have £6k in the bank because it is a loan, they wont accept it :cry: ! Can sell our car, think might get £3k for it, and maybe an old laptop for a couple of £100.... any other suggestions…
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Making Creditors an Offer
We are struggling to pay our bills due to a £14k a year reduction in our annual income. Bankruptcy keeps cropping up but I am looking at all the options first. I have just done a debt remedy questionnaire online which tells me what I already know but did make some good points. My parents tried the offering £1 a month to…
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Advice Needed: Debt Recovery
Hi. I'm looking for some advice on the following scenario. Miss A was victim of fraud (exact details unknown) approx. 10 years ago. It has been stated that this went to court where they ruled Miss A was not liable. The debt collection agency is still chasing this debt and has advised that daily interest will begin if it is…
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Citi Cards UK
Does anyone have the email addresses of anyone high up in citi cards, so that I can contact them directly. Thanks
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cca reply??
Hi All, I posted my CCA rquest letter about a week ago and i have had a couple of replies saying they will get back to me, but I received a letter this morning from mha collections on behalf of TSB, which says the following..... The bank has been reviewing your account which had now been passed to me as your personal…
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Debt Collection Agency
Hi all, wondering if you can help. Someone close to me ran up several credit card debts in a previous relationship, and is now making small payments via a company in Leeds. Their letters are offering 30% discount if the outstanding debt is paid in full. If this could be arranged via a consolidation loan, would it make…
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Im in such a mess...
Hi, first post with this username, I used to post about 18 months ago but fell of the wagon in spectacular style.....I'm in such a mess and the future looks pretty uncertain. Im a single mother of 2 and up untill christmas I was handling my debts ok but then spiralled when I split with my ex, I started splashing out on my…
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Sort out debts
Hiya I’d like some advice on how to restore my financial situation to normality. Any help gratefully appreciated!. My history is pretty similar to many in that I wasn’t sensible with my use of credit cards, and had a maxed-out card of about £4k which I then converted into a loan (which ended up being £6k I think), then ran…
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My Experian report doesn't contain an old address that has debt tied to it
Hi, I've just checked my Experian report and it's come up quite healthy, though it is missing an old address that a quite hefty credit card default is tied to. Any advice on what I should do? I'm studying at the moment so not really able to pay anything back now. How could they not have traced me? Could I have a CCJ…
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repayment on overpaid wages
Hi due to errors on my agencies part from clerical putting in wrong hourly rate, missing holiday pay, under payments, omitted payments I now after 1 yr and not one single correct pay packet have a debt to them of just over 600 - they want £100 pm but there is simply no way I can afford to loose that amount a month given I…
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Advice please on CCJ/Charging Orders
Please can someone give me some definitive advice, if possible, on CCJs and charging orders I have recently been issued with a CCJ, this month. I am currently on a DMP with the CCCS. I have spoken to my creditor's solicitors today who inform me that they will be looking to now place a charge on my property (I am shared…
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You can only request one cca apparently!!
Hi I sent a cca request to Regal consultants for my RBS card enclosing the £1 fee. Today I received a reply from them saying that their client RBS are unwilling to comply with my request because they did so last yr! Didnt know you could only ask once thought you could ask as often as you wanted to..:confused: :confused:
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Help needed urgently !1
Hi i have about 15 grands worth of debt which i got when i was 17 i dont know why the credit card people gave me all these cards and and loans i was young imauture and could not handle my money.. i had no guarontor on my applicactions i just wrote that i was working and making x amount of money which i was... I tried…
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Worried sick over debt's
Hi I bet this has come up on here 1000's of times, but I have only just joined :T . This is probably going to sound really trivial but this is worrying me and could do with some help..... I currently owe 2500 on a bank overdraft, and 3000 on 2 credit cards (6000). I cannot afford these debts and my mortgage, living costs…
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Help, I don't know what to do
Hey, I'm not very familiar with this, so please excuse me if this goes on a bit. About five years ago, I took out a loan and a credit card from Nationwide due to my dad leaving my mum, leaving us in a tremendous amount of debt which resulted in us having to sell the house to pay it off. The reason I took out the loan and…
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Informal Payment Plans
Does anyone know any great detail about these and if there are any catches? I have been given a quote and it seems amazing compared to what I am paying every month, the company takes my first payment for themselves then after that it goes to the companies. They take a percentage every month which is capped based on my…
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Not spending money during the week.....
Just wanted to share my experience over the past week and a half. For as long as I can remember, on a daily basis I have gone out of the office at lunch times to buy cigarettes and lunch - I rarely took lunch with me to work, so I was really spending £8-£10 per day - which doesnt include impulse purchases when in Tesco!…
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Save or pay off credit card?
Hiya I browse this forum all the time though I don't often post but now I'm off work for 6 weeks (the joys of being a teacher!) I thought I'd start posting. I need some advice as the best way to deal with mine and my husbands finances at the moment. My husband was made redundant in February but luckily managed to get some…
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Dmp help!!
Hi there I am currently trying to sort out my own DMP and so far most of the creditors have been fine with reduced payments with the exception of Egg and MBNA. I owe circa £10K ea to both of them and have offered £50 per month for 6 months and asked for a review after that with the possibility of increasing payments. MBNA…
