-
activist3 needs help!
Hello All, Really need some help to get my debts under control and everything back on track. This is basically how it all stands. I am unable to do an IVA due to my employment but i can do DMA if necessary. I have also been offered £8000 off a friend to pay off both of the loans which would save me £400 a month, Any ideas?…
-
Oh god! Have I made things worse
I was trying to get our finances sorted by transferring our current credit card balance of £8900 to 0% card so we can pay it off more quickly. Someone on the site suggested Halifax so I applied and was successful and said I wanted to transfer an existing balance. I was approved but they said my credit limit would be around…
-
In need of some advice/help
Hi, Long time reader, first time poster (oh that sentence is so corny!). To give a brief run down of my situation. I am a 23 year old, running my own company, living with 1 other, but have been in dept for a while. About 2/3 years ago I had the perfect credit history, perfect bank accounts. I then had to move out for one…
-
Offer less for my debt
Guys, All was going well recently with becoming debt free, but today I have found out that I am being made redundant. I am getting a £5,000 handshake, but have £10,000 debt. I obviously want to get rid of the debt ASAP so is there any scope for me to offer creditors less than I owe, but give them a lump payment. For…
-
help :(
Hi, I have recently paid off a number of debts a few months ago but I also have 4 debts with barclays, tmobile, hmv and topshop dating back to end of 2005/start of 2006. I have not had any contact since the end of 2006 and I am not sure what to do. I am very scared. I do not earn very much and in september I will be a…
-
Close Credit Card, Setup Payment Plan Advice.
Hi, I have a Credit Card with the Bank of Scotland, and I am looking to close it. My credit limit is £340, and my outstanding balance is currently £500 exactly :( I am wanting to close it and setup a payment plan to pay it off. Could anyone advise me the best way of going about this. BTW, the £160 between over balance is…
-
Working out payments again
Need to re-assess my debt payments as income has dropped even m ore :( - can anyone tell me how to work out how much each company should be getting. I have 9 creditors of varying amounts. Someone worked it out for me the first time i came here in Jan! So any help in how to work it out appreciated! Also link to SOA as…
-
Grad help please!!
Hi guys hopefully somebody can give me some advice!! Basically I graduated from uni last year and have had a job since September, however meant moving to London!! I thought I would have more disposable income that I do and my rent takes half of what I earn a month! This does not leave me with much. Part of my job is…
-
HSBC Are Hounding My Wife Unmercifully!
My wife got into financial difficulty last year and, sensibly, got in touch with CCCS who sorted her out and came up with a repayment plan which she has stuck to rigidly since then. HSBC, however, do not seem to be able to accept this. They deluge her with 'phone calls at work and at home, starting as early as 8.00am and…
-
So angry, equifax have charged me even though I have cancelled 3 times!!!
Has anyone else experienced problems trying to cancel their equifax subscriptions? I have cancelled twice online (didn't get an email each time so was suspicious). Then I received an email thanking me for joining some anti fraud somethingorother, so I rang up immediately and cancelled over the phone (after a long wait…
-
Unknown CCJ
Hi! I have been reading this forum on and off for long time time. I first started when I new my credit score was low (less then 400). It has recently gone up to 920, which I was very happy with. I decide with my girl friend to rent a property and during the credit search a CCJ was flag up. I regularly check my credit…
-
1st Credit to Caps Quest
I previously had a debt of roughly £2,000.00 owed to Abbey whom 1st Credit were dealing with. I used this site and obtained some templates to scare off 1st Credit who where to be quite frank, harassing me! I asked to be dealt with by phone and offered £35 per month (most I could afford) on several occasions. This was late…
-
Lloyds tsb
Does anyone know how to get Lloyds TSB to pass on the debt to a debt collector, so that the interest gets frozen. I've had £1000 added in 6 months, and after 4 years, haven't got anywhere with the debt. Its higher now than when it started. Feel like i'm drowning in it. We've requested ourselves that they freeze it, as have…
-
Dispatches: A letter to my MP
It might help if you write to your MP's too.
-
Need to reduce payments - Any Letters?
Hi, Not been on here for a while - I've been coping quite well and keeping up with all my monthly payments, but now things are getting too tight for comfort! We have 2 young children and the cost of feeding, clothing them etc. is going up, but my wages aren't! I pay a total of £450 a month out to 5 creditors (all DCAs!)…
-
New beginnings!
Hi all Just got a job and had lovely dreams of spending loads of cash on my self however the debt got in the way. I recently applied for a loan to try and consolidate it but was turned down!! The main problem is i have lots of small payments going out so its quite difficult to keep an eye on everything! One big expenditure…
-
Had enough!
I've been in debt since I was 18, I'm now 25 and it's just got worse. I earn £1100 a month, just been paid today and already I have only £400 left. This has got to get me to work for the month (£150 fuel), repair my car AGAIN (£150+) and feed me. I'm still living at home but I'm just getting no where with my life or debt.…
-
Sell up or struggle on???
I have lurked on this forum for years but rarely post however I would like some opinions on this - I can think of pros and cons for both but not been swayed either way yet and I know there are plenty with opinions on this or have gone throug similar dilemmas. Brief history - my debt came from the break up of a relationship…
-
Tuesday 21st 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…
-
** Tally Ho! Tuesday Chat Thread**21st July - Post your list here
Come on you lot who are on holiday. Post your daily list of baby steps to do today and then get them done. Today I am off to a meeting at 11am then we are having pink fizz I am going to try and resist because I have to go to a vat inspection tomorrow and I need to keep a clear head this afternoon to get some work done...…
