-
Getting worried
Hi, I recently got a housing association place after being homeless for three years. Problem is that I only work part time and my money does not cover the bills and rent. After doing a carpentry course and getting stuff for the house I ran up a credit card bill of over £4000. Have been offered a full time job, but have no…
-
Bailiff Question
Hi Can somebody help me with this problem. I have been charged the below figures by the bailiffs but I know about the first visit in Nov 2008 but nothing about the other visits. I have queried the costs and have been told that a letter was left after the second visit and the van enforcement visit. I've never seen sight if…
-
Voulantary Termination
Hi all im new to the site and not sure if this is in the right section i have my car finance with The Funding Coperation, i got my car last July and have not been able to make payments on time, I pay £350 per month which i cant afford. is there any way I can hand the car back with out owing lots of money on it? :confused:
-
linked banks
hi all are halifax and lloyds linked as i have a bank account with lloyds and big debts with the halifax could they dip into my llods account to reclaim there money thanks Moneybuster
-
Sent a complaint letter to LTSB heard nothing back
I sent a letter of complaint to LTSB regarding the interest they are charging on my dmp repayments on 23rd June recorded delivery. It was signed for on 24th. I gave them 14 days in which to reply to me. I have heard nothing back from them and I am sure the 14 days has passed. Do I send another letter?
-
Lowell Portfolio 1 Limited
Hi there, I am desperately hoping someone can give me some advice on this matter as it is now keeping me up at night!! I received a letter last week from Lowell Group on behlaf of Lowell Portfolio 1 Limited stating they were chasing an outstanding barclaycard debt, which I hadn't had any dealings with for over 4/5 years.…
-
what is the law regarding phone calls ??
hi all , Not sure if im posting in the right place sorry if im not . Ive had endless calls from a company called Intrum Justitia for a bill from ebay . Now i know i owe the money and will pay it but i am cheesed off with the way the company have spoken to me over the phone . I ask them to stop calling me and the bloke said…
-
EDF Warrent of Entry
Guys. I need some advice. I have got into a situation with my EDF bill and today when i got back home i had a letter to say they have come round to either disconnect or fit a prepay meter. As i was not at home they have to now go to the local magistrates court to get a warrent of entry. I have called EDF and said i can pay…
-
Starting to struggle
Hi I have £30k (GULP) in unsecured Debts, all are currently upto date with no arrears. However I am now struggling to do this. I have today applied for a consolodation loan but if declined I will need to make arrangements with the CC companies involved. If I offer an arrangement to repay each debt over 5 years and include…
-
advice please - MBNA and ends not meeting
Hello, I have about 9k oustanding on a MBNA card. This was a balance transfer deal that has now expired and my payments have went up from about £41pm to £257pm. This I cannot meet. I have already cut all corners, pay the minimum on all my other cards and have about £100 left over at the end of the month. In addition I had…
-
tv licence dilemma..please help
Hi all Ive been resident at an address for 2 years and have not paid for the licence, i have recieved many letters which have gone straight in the bin , but as yet no visits. Im in the process of trying to sort out my troubled finances and even though it will add extra to my outgoings i feel its time to pay it before i get…
-
in some silly debt, 4 defaults....what should i do?
Hi, I'm in my mid 20's, in stable employment (£20k pa), and looking to start a family. However, foolishly when I was younger I ran up a number of debts (I will outline below), most of which have remained unsettled. Rightly or wrongly, the debt companies stopped writing/ringing, so I didnt bother paying them! Anyway, this…
-
Help needed asap!
Hi, Just curious as to what would happen if i never paid back any of my debt? i use HSBC as my current account but i owe lloyds bank nearly £4k and a loan provider £3k, i cant afford to pay back any money atm with loss of job. I have moved address but still have my post going to my old address (moms house). I have been…
-
10past6 please have a look at this default notice
hi received this please have a look for me many thanks MB
-
who do i complain too Red Debt Collection
i have today recieved a 2nd letter for this company at my address addressed to Mr pirie-Warsop and then inside it says my brothers name so i rang red to advise that my brother doesnt live here and could they remove his name from my address to be told this was his last known address ,,,Odd really considering he has lived in…
-
Mackenzie Hall/Singlepoint
Hi all, pretty new to this site so if i have posted in the wrong forum i apologise. This morning i recieved a letter from a debt recovery company called Mackenzie Hall, they are stating that they are working on behalf of Singlepoint! And that i have an outstanding debt of £132.88. And within the next 10 days an agent from…
-
End of debt management plan - what next? HELP!!
:confused:Has anyone here got to the end of there Debt Management Plan? 2 Questions - Did it last a lot longer than what you were told/thought? And was any extra added interest/charges written off at the end of it? Payplan told us that this is what happens. Thanks
-
*** 13th July Daily chat - come in for a blether
Oi - you lot! Have you ditched the daily chat now you've got a swank new SW/DFW thread?:rolleyes:
-
help
hi im new to this site but i have been reading all the posts and it is great to know im not the only one in trouble. does anybody know if you have a dmp plan will you be able to remortgage as my current fixed rate mortgage ends soon and if i cant change it i will be on a rate of 7%. thanks for reading my message
-
Monday 13th 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…
