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Just about to start a DMP with payplan
This is hard to admit but ive hidden away from it for so long but i need help with my debts!! After researching DMP on the internet i have chosen to contact payplan. I have a telephone meeting with them on friday and hopefully the outcome will be good. I have got myself into a right mess with money over the last few years.…
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Help!!!
Hello Everyone, I joined yesterday and I’ve already found a lot of useful stuff on here. I was a bit sceptical at first but I can say that I am truly happy I joined. It’s good to know that I’m not the only one going through difficult times and with the help and support of others, I can and will get through this. I have a…
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debt gone... but credit rating isnt good
hi all, I am after some advice and i hope some of you may help. I have just cleared £20k of debt, have a fulltime job (£1400 a month, 5 years continous employment), rent a house, no store cards, no credit cards, no finance with anyone, no debts and a £600 unused over draft but I cant get credit. Ive never had a CCJ or…
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What do I write?
Hi I have recently set up some regular payments from my bank account for £1 token payment to some of my creditors as advised by CCCS. I want to write a letter to the creditors to confirm I have done this as I said I would in a letter to them last month, rather than paying by Postal Order. What do I write? :confused: Some…
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Full & Final settlement offers - How much to start at?
Hi, I currently owe around 58K on a number of credit cards. I am on a DMP at the moment and I am soon to sell my house and move in with my girlfriend . This will will release around £20K in equity. When I offer pro-rata amounts to my creditors in full & final settlement I would be be interested to hear opinions as to how…
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payment protection and DMP
Hi I was just wondering what the situation would be regarding the payment protection included with my loan from Barclaycard now that I am on a DMP, In the past I have tried to cancel it and Barclaycard have totally ignorred my request or told me that it couldn't be cancelled. Surely if I am on a DMP the insurance will no…
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**Daily Chat Wet Wednesday - come in from the rain 15th July 2009*
Well its wet where I am...:rotfl: Full day at work for me...I have just ordered a 3 internet dongle advertised in Martins email this week you get five free album downloads too...all for £9.99 - useful as I was looking for a dongle.... strange word dongle... Bookie - hope you get everything sorted today. Snags - did he tell…
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Daily chat-(Wet) wednesday 15th July
Morning all...... wet here today.... Bookie-you done that travel insurance yet???
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Wednesday 15/7/09 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…
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Full & Final settlement
Hi Nwide have accepted a reduced amount of 500 for a debt of over 2000. Can someone have a look at the letter below and just double check that all is in order. thanks in advance DISCOUNT ON OUTSTANDING BALANCE WITHOUT PREJUDICE Thank you for telephoning me regarding your account. I'm prepared to offer you the opportunity…
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Debt collectors??
Hi, i`m just wondering if anybody has any experience with debt collectors and when they eventually turn up on the doorstep how many times will they actually turn up before giving in? I had one turn up last week and my mum just said i wasn`t in, then the same bloke came last night around the same time but i ignored it. I`m…
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what happens next (debt collectors)
Found out that my bank have closed my account and passed me over to debt collectors because of the money I owe them on my loan, since being out of work (Nov 08) I have been making regular token payments. So it was a bit of a shock to find that they have handed me over, I had no final letter nothing, was just wondering what…
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Think I have a solution, what do you think
Hi After looking at my outgoings, reducing where possible and ditching the consolodation idea I have been able to get my outgoings to meet my income. However I now want to attempt to actually repay my debts! We cant really go down the CCCS route as my husband works for one of our creditors, and this would not go down…
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An interesting SOA point I found
I'm an avid reader of LifeHacker, a blog about all things 'life', really, and how to hack them to make them better, easier, cheaper, or all three. A little American-centric, but the basic principles hold valid for an awful lot of it. It's also quite geek-oriented, so it's definitely a niche market in that respect. However,…
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At last......
Evening all. I just wanted to share the news that I'm finally DF, rather than W!! :j:j:j 18 months ago, I was almost £20K in debt :eek: following my (thankfully now "ex") wife leaving me but through a lot of hard work, cutting back, and an incredible ammount of support from my "new" OH, :A, all the debts are cleared, AND I…
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Who Has my Debt???
Hi A couple of months ago I ordered a credit report and it showed up that I have an outstanding debt from a joint business account that closed a few years ago. I was under the impression the account had been settled but obviously it hadn't. I have moved house and not received any payment notices that were sent and was not…
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Northern Rock / Eversheds Problem
Hi All, I wondered if anyone could help me with a little problem I have! I had a Northern Rock Loan a few years back which eventually went to their solicitors "Eversheds" for collection. I took on a DMP Company and paid Eversheds through them. I have recently taken back over control of my DMP and have been paying more…
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Latest Lloyds TSB Letter
Notice regarding your Buy Now, Pay Later Loan and Loan Protection Insurance Account Number XXXXXXXXXX The Consumer Credit 1974 requires us to send you this notice because you have behind in your repayments under your loan agreement with us. If you have not already done so, please contact us to discuss your missed payments…
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help please
hi please could you tell me if say a wife is on a debt mangement plan and her husband is paying his bills and debts ok he is self employed and he wants to take a loan out to buy a say 3000 van for work would he beable to thanks Diane
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Council tax Attachment of earnings
hi guys, Long time luker 1st time Poster. I have finaly cleared my debt of and now we are looking at my OH. My OH has a Council tax Attachment of earnings, which happened last November. Now, we were never informed this was going to happen. He had DCA's at the door and letters about the debt, but it stopped, until he…
