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HELP lloyds tsb cc dmp now charging intrest???
hello all i am new to this site but want to pick your brains i have been on a DMP now for about 4yrs or so it was the best thing i ever did ;)origanly i paid a company to set it up but soon knocked that on the head once i saw how easy it was and have been manging it my self ever since i have gone from 27k down to 11k witch…
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what ive paid today :-)
This is what ive paid today full & finals: Lloyds TSB: 415 Capital One: 267 Vanquis: 332 Paid 100 to halifax of a 285 debt, 37 to barclaycard to get me within my credit limit, paid 100 off hubbys cc, paid 100 to someone i owe money to, and paid 130 off overdraft.:T :-) only 8k to go... :rotfl:
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New Direct Debit - but not mine!!
I recently checked my Bank Account and thought I'd over-used my mobile (I had a bill of £90!) it then hit me that I was not actually a customer of the particular mobile company involved (nor have I ever been). I checked my previous month's bank statement and sure enough another (£90) payment. My Bank initially refused to…
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Cca- alliance & leicester - mbna
Today I have recd my 'new' A&L credit card - and inside the envelope is a lovely booklet called Credit Card Agreement Regulated by Consumer Credit Act 1974 - terms and Conditions. - never seen this before ... Letter tells me to call straight away to activate card - so they know I have received it safely .... but do I smell…
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Major potential changes to forum policy
Thought regular forum users would like to see this... http://forums.moneysavingexpert.com/showthread.html?t=1820261 PLEASE FEEDBACK THERE NOT HERE
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Questions on DAS Scotland and Mortgage Support Scheme
Hi Over last six months, OH has experienced disastrous loss of income from self-employment (lost two major clients - a third has warned of impending doom). His income has dropped from £2.2k+ (profit, after tax) per month to £1k. Likely to be only c. £450 from next month. In light of this and poor result from massive…
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OFT - involved! (1st Credit)
2 months ago - after nearly a year of 1st Credit saying that the first page of a Sky Card Application form (which didn't even have all my details on it or show that I'd been accepted) was the proper CCA and my debt was owing IN FULL (could always borrow the money from a friend) - I complained to OFT about their practises.…
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First post, be gentle! Regarding F&F settlements
My fiance has been on a DMP with CCCS for around 5 years now and is paying off his debts slowly but surely! His parents have very kindly offered to lend him the money to pay them off with F&F settlements to see if he can clear them quicker but pay them back at the same rate as he is currently paying DMP. I lurked on here…
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Hi everyone-new, worried and in need of some help please
Hi There, Ok this is all pretty new to me but i have been reading this forum and was overwhelmed with how much help and support is out there from complete strangers,its amazing and its really given me a bit of hope that maybe someone can help us? I'll start by saying im not proud of the debt we've got ourselves into, and i…
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worriedaboutdebt
Hi, wondered if anyone could help me with my worries! I've got a Northern Rock unsecured personal loan with a balance of around £14,900 and credit cards (Mint balance of £5,700, Halifax One card with £2,500 and Barclaycard with £1,700 on it) plus an overdraft currently of £1,500. I'm debating what to do for the best. Can…
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Urgent help with debt from paypal
Hi Guys, i don't know if this is the right place for this, but i have just been sent a debt collectors letter on behalf of paypal for £300. Basically couple months ago, i sold a mobile phone on ebay, i sent recorded delivery but i lost the receipt for the proof of postage i contacted royail mail numerous amounts of time…
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freedomfromdebt
Hi guys, Hope someone can give me some advice. This is first time i have posted although been veiwing for months. Finally facing up to mine and OH debts which are horrendous and decided time to take action. Up to now been managing payments but this month is first time been unable to do so. Spoken to CC co and they have…
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Need some advice please
Hi, Ive been thinking about getting a morgage for a while, but old debts have heen hampering my attempts. Ive payed all of my outstanding debts well over a year ago, well all apart from one. This one debt isnt mine, thats the thing. Littlewoods say I supposedly owe them a couple of hundred pounds, which has now been passed…
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CCJ looking likely...facts??
Hi, I posted a few days ago as Natwest causing problems. I've been in a DMP with CCCS since November last year and hadn't heard anything from them until March this year and although kept referring them to the CCCS they kept ignoring me. They put things in the hands of Shakespeare Putsman who have rejected the payments…
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29k in Credit Card Debt - No job
I have a good friend who has been too ill to work for the past 3 years and has been living off her credit cards until she is well enough to get back to work. She has during this 3 years applied for more cards to gain credit to live off meaning she had to tell the lenders that she was working even though at the time she…
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Pay PLan anyone have experience with them?
HSBC have advised that I speak to Payplan with regards to my credit cards....anyone had any experience with them?
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Please help me with my SOA, thank you
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 1100 Partners monthly income after tax....... 1700…
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Debts and a breakdown in a marriage.
Hi, Wondering if anyone could help me. My husband and I have just recently separated, we have a joint loan and a credit card (which is in my name but he had a secondary card which he used) which we defaulted on last year. Does anyone know if I were to write to the banks that the loan and creditcard are with would they…
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My soa - advice please
This is fantastic.
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Proving Statement of Affairs
Quick question. Can a creditor who is obvioulsy not happy with the payment offer in an SOA (because they want to achieve a higher payment) insist on you going to their office with documentation and evidence to prove the figures on the SOA?
