-
Debt management - Thinkmoney
Has anybody used Thinkmoney/Gregory Pennington to help sort out large debts. The Halifax has put me onto them to help following redundancy. They are offering to deal with my creditors and I just pay them a monthly sum. Any assistance/advice would be appreciated. Jon.
-
Can you have two defaults for the same debt?
Hi guys, Quick question for you - can you have two defaults put onto your credit history for the same debt? (one from the original lender and one from the DCA that the debt was passed onto) Many thanks Clusters
-
Eurodebt Finance
I've recently signed up with this group and now I think I've been had!!! They sold me during a time when my debts were spiralling out of control and I was pretty desparate and now while they've got this under control, I've had to pay them 1000.00(GBP) for the pleasure and they charge an admin fee of 35.00(GBP) per month…
-
if i receive a ccj
if i receive a ccj for my debt alone do i fill out the income and expenditure section with just my income and expenditure including all my benifits , or the house hold income and expenditure including my wifes pay, or do i use the IE sheet from my DMP with Paypal regards moneybuster
-
Quandry
Hi all, I am currently in the throes of the latter part of an extremely long haul to paying off all our familys debts. One of these debts was taken over by a debt management company, who has just recently been taken over again - sadly they haven't forgotten about our little debt in the process :rolleyes: They have made us…
-
Calling working mums on school run
Hello, wasn't quite sure where to post so sorry if it's in the wrong place. As you can probably tell from the subject I am a part time working mum that does the school run. My son is 5 and has almost finished his 1st year in Reception. The rising cost of petrol is killing me as is with most people so I am after some ideas…
-
New to DMP - need bank account advice please
Hi I've been a lurker on the boards for a while, but this is my first post. I am just in the process of setting up a joint DMP with my DH through CCCS. They have advised us to set up a basic account with another bank as one of our creditors is our current bank. This is for a £7.5k loan my DH took out. Our account with this…
-
DMP Payments???
I currently have a DMP in place which states it will take me 10 years to pay off my debts. I have some small ones that are less that £1000 then one big one of £4000. Even though they are getting payments every month, would I still be able to contact the creditors of the smaller balances and ask for a reduced settlement…
-
Debt free today
Am so excited:j:j!! After two years and seven months of work today I accumulated enough money in my savings account to pay off the last of my debt (sitting in a 0% Halifax card until Feb 2010) Thankyou to everyone who helped me along the way on the DFW board and all the other boards and who read my diary. I couldn't have…
-
Mortgage Holiday to help become Debt Free???
Hi We are looking at possibly asking for a 12 month payment holiday but using the mortgage money to repay all our other debts in a 12 month period. Money is getting very tight and this would be a great option but wandered if anyone had tried to get a Payment Holiday whilst still in a fixed rate? We are looking at lots of…
-
HELP! Advice with Bryan Carter/Frederickson
Can anyone advise me on my best plan of action to tackle Bryan Carter? When I was a final year student in 2002 I took out an Egg loan for £5K. Gave a few income details based on the placement year I was just finishing and got the money no problem. Anyway, during the final year and afetr I fell behind repaying and…
-
Repayment agreement from First Direct
Hi, Started a DMP in July and so far so good apart from loads of threatening letters from LTSB demanding their money back which I politely respond to each time saying No, with CCCS. Just received a Repayment Agreement from First Direct with the agreed monthly payments on the schedule for 12 months at 1.5% per annum. Seems…
-
being taken to court
my mum has a 18 grand credit card loan and another card with about 3 grand on, but the 18 grand loan she cant afford to pay so she offered to pay 17 pound a month to the company which they acepted.but they are now saying that ,that wasnt forever! and she recieved a letter yesterday saying that if she didnt pay the 18 grand…
-
Asking the credit card company to freeze interest
Hi guys, I am wondering what people's experiences have been when asking credit card companies for a freeze on interest. I seem to be getting no where paying mine back and I am considering asking them to freeze the interest for me so it will help me finally get them paid and closed off. Are credit card companies normally…
-
Moorcroft Debt Recovery
Hi Just a quick bit of advice needed. I have recently received a letter from Moorcroft Debt Recovery offering me an 80% settlement if i pay within 30 days. I was prior to this hoping to settle the original amount but just didn't have enough spare cash with everything else i am attempting to catch up with. The problem is i…
-
May start DMP - new bank account
Hi, I may be starting a DMP soon. I have a loan with the same bank as where my current account is. I beleive I should open a current account with a bank where I dont have any debts. Can anyone recommend any such bank? When requesting a new account what does a bank check? Will they care about my current level of debt? Or…
-
**HAPPY BIRTHDAY TIGZEM - Daily Chat - Tiring Tuesday 14th July 2009
Good morning everyone :hello: Hope you're all ok today - dodgy hugs for anyone who needs them :grouphug: Feeling a bit tired today & it's only Tuesday, hence the title. PAP - I received the Body Shop vanity bag last night, not bad but no way I'd of paid the full price for it :eek:
-
Tuesday 14th 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…
-
Embarrassed but being honest at last .....
:o Hello, I have finally realised our finances are in a mess and need some help and advise to get us back into the black and I know this will take time. Sorry for the length of this post but please stick with it – I have attached my SOA below Today I was accepted for a personal loan of £10,000 by my bank – First Direct to…
-
My Credit file
I have a lot of settled credit accounts showing on my report. Should I write to the companies and have them removed? Also, for some reason Natwest are showing 3 payments late on my report. This is bizarre as the debt on that current account was from when I was in unemployment, they kept applying bank charges and then…
