-
Question about not signing letters!
Hi All, I've written to my creditors offering reduced payments, and today Littlewoods have written to refuse my offer (shocker). I have adopted a "please reconsider" letter from one of the posters but it says not to sign it. Any ideas why not? I suppose my concern is that they won't take it seriously if not signed.:mad:…
-
Christians Against Poverty
hi we are thinking about setting up a CAP group at our church and are wondering what help they have been to people in difficulties. It would be really helpful just to have some feed back from those that have used this organisation and are not part "of the group" if you see what I mean. Hope this is allowed on this board,…
-
Cash until Pay Day Help
Hi I have managed to get myself in a real mess with those 'pay day loans' and i don't know what to do next. I guess the whole idea of them is to get you more and more reliant. I got one, then paid it off, but then had to borrow again, and then get another etc. now i have three, totally @ £1500. even if i roll over each…
-
job dilema
well HIM is getting made redundant on friday :mad::mad::mad:, so i have been making an extra hard effort to find a job,(i have been looking, but now im looking at stuff i never would have prev iyswim) anyway i have been offered an interview with......dun dun duuuuun Debt Free Direct :D , now i am going to the interview as…
-
The Itemiser - A New Challenge
Ok, I mentioned this in my diary as I am using it as a method to make my debts seem a little less daunting and means I can take a systematic approach to clearing them with mini achievements along the way. A couple of people have mentioned that they quite like the idea so I thought it might be good to bring it to the…
-
Secured Loan - How to get rid of it
Ok, took out a secured loan, most stupidest thing to do, ive realised that now. Borrowed £25k over 20 years - i did want 15, but realised its actually 20 i signed for. rang and asked them for shortened term, they said cant do that, has to stay at 20 years. Got a settlement figure, 23500 after paying the loan for nearly 3…
-
Debt Collection Agency Woes! Advice Needed, please!
Hi This could be a long story, but I'll try to keep it as brief as possible: In early 2004, I took out a phone contract with '3 Mobile', lasting twelve months. The last payment was due in early 2005. I paid off the last months 'debt' and thus the contract had ended. I moved to Pay As You Go. Fast-forward three-and-a-half…
-
Signed Credit agreements...
Hi all, I'm sure this question has probably been answered a million times already on this board, but please humour me. I took out a credit card with Littlewoods when I was 21, and spent years making minimum payments, getting charges etc etc.. Caboot bought the debt about a year ago, and have now passed the file to Scotcall…
-
Basic Bank Accounts
Hi, I spoke to National Debt Helpline this morning and they were really good - the first thing they advised me to do was get an "unnassociated" account (as one of my debts is linked to the bank I bank with) - I looked online and called up Co-op re. their Cashminder acount. The chap persuaded me to apply for their basic…
-
What to do?
I have been offered a major get out by the bank but don't know what to do about it. I owe nearly £22,000 (including arrears) which I have no real hope of paying off but they say they they will take £11,000 if I can pay it by 13th August. How do I get that money in such a short time? Is there a company that will loan me it…
-
Do Original Creditors actively condone the tactics of Debt Collection Agencies?
Most of us watched the Channel 4 Dispatches 'exposee' of the underhand, often illegal, tactics that are employed by one particularily obnoxious 'Debt Collection Agency' - MARLIN. For anyone who did not watch it, it can be seen on the following link: http://www.channel4.com/programmes/dispatches/4od#2929731 My question is…
-
debt disaster
hi, im a 23yr old female who lets just say has been more than foolish with money over the last few years and it has smowballed so much i dont know were to begin! my debts are detailed as follows: unsecured loan - £3600 overdraft - £2400 store card - £138 just bought new car on finance deal - £160 per month for 60months!!…
-
What is the best way to clear my debts???
Hi everyone, been reading this forum for a little while now nad have at last now joined after ( rather reluctantly) admitting I am in a hole with nowhere to hide from my debts any longer. I had a bit of a breakdown in September of last year which resulted in me losing my job as I foolishly abandoned it, as well as ignoring…
-
Staying debt free.
After years and years of always being in debt i am finally debt free but this is only thanks to my dad who sadly passed away at the end of last year, he left me a sum of money which enabled us to pay off our debt, do some work on the house and book a holiday for this summer (we fly to greece in 4 weeks). So why do i need a…
-
Advice please
Hi, Ok, we have a credit card (tesco's), it has a £1250 limit on it and were generally always up to the limit and manage to pay off only a little over the minimum payment. My husband has just gone out (without me knowing until yesterday I should add) and has set up a new bank account with Natwest which has all the…
-
How many LBM do you have before you really have a LBM?? SOA Added!!
Hey all I'm having another LBM!!! My third!!! This last year has been the worst and best of my life so far!! If anything could go wrong it has, always costing more money. For example we sold our two cars and bought one larger one, and used the extra cash to pay off credit cards and a few other minor bills. So no wasted…
-
Credit cards - Paying them off.....
Im in a situation where I am in a position to only make the minimum payments on my credit cards. I want to get out of debt without compromising my credit rating (which according to Experian, is rated as Good). I pay PPI's on my cards, so I will be cancelling them (and checking to see if I was mis-sold it, thought I'm still…
-
DMP Questions?
Hello I am in debt by about 33,000 I am in the process of PPI reclaiming but not got much back so far ! I am considering DMP but wanted to ask that if you go through this process will this show up on your credit report? If so how long for? Will this stop me getting a new mortgage next year? ( reason for asking about new…
-
New DFW Needs Help/Advice
Hi everyone I'm finally taking the plunge and posting on this board to see if anyone can give me some help/advice regarding our finances. We have quite serious debts consisting of credit cards and loans. I have completed the SOA. One of our main problems is that I get paid monthly and my husband still gets paid weekly. As…
-
Connaught collections request for cca
First off just to say I am new to the site and to forums so don't know if I'm posting in the correct place, I'm sure you can direct me to the right place if not though!! I received a letter from a company called Connaught Collections on behalf of 1st credit re Barclays bank telling me I owed them 2674.00 and that if I rang…
