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Debt consolidation help
Hi i currently have 8 creditors consisiting of overdrafts credit cards and payday loans. i am looking to consolidate everything into one payment and one bill. i currently do not have a good credit score so a bank loan is not possible. i do not want to do a dmp as i can afford the monthly minimum payments. does anyone now…
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Hello, and Thanks!
Not sure if there are any on here who will still remember me, but I thought I'd pop back in and say Hi. I've updated my sig and as you can see, we're still on target for being debt free July 2011 - seems so close now!!! I remember we were actually over the £60k mark at one point, and next month we're going to be under…
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secured fainance on car can i borrow off it?
i currently have finance of £5001 on my car which is worth about £8000 now. i put a deposit of £2000 when i bought it. it is with gmac (vauxhall) i was wondering if i could take any equity out of the car and increase my monthly payments just to get some quick cash. is this possible at all?
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Help Creation / All in one finance
Hey guys, Not usre where to start with this but . . I purchased a car three years ago from Car Craft to which I though I was getting a good deal with my part ex. This year I started to get letters from Creation / debt letters saying that I have missd payments on my bridging loan. It would seem that car craft had taken a…
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reclaiming credit card charges
hello everyone, I wonder if anyone can give me some advice please? I'm about to start a DMP with Payplan at the end of this month. I thought about reclaiming charges on my credit cards & if I was successful then any amount could be paid off what I owe. When I spoke to payplan the other day they told me to stop any…
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Blair, Oliver Scott
Th e above keep phoning my buddies mobile asking for a Mr. Angel. That`s not my friends name and he keeps telling them so but still harrasing. Any ideas please?
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Is there any way of finding out what credit agencies lenders use to check credit?
The reason I ask is because my equifax report shows up when i messed up with my student HSBC account over 2 years ago, went over my overdraft limit for about 5 months running and didnt realise and ended up with a managed loan to pay it all off, but my experian one doesnt show this for some reason! I bank with nationwide…
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small amount of debt but.....
Hi all, Sorry if this is not the right place or there is a similar post..... I am in the situation of having a smallish amount of debt left(all relevant though). I have £800 on a credit card (tesco clubcard), im into my overdraft by approx £500 (arranged overdraft with nationwide) and a student loan of £5500 (not bad after…
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Student overdraft update - repayment plan
I have bitten the bullet this morning and contacted Halifax about my Student overdraft which is due to drop off my account in August (i graduated in September 2008). What they have said to me today is that they will set up a payment plan on the account, so that I need to decide to pay a regular amount into the account and…
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Looking for some advice...
Hi guys. I'm currently in a small amount of debt (around £2000) with a small income, and am hoping to move to a new city and move in with my boyfriend in about a year. In order for that to work, I need to be debt free and have some savings as we will also need to buy a car, along with deposit for flat, emergency money etc.…
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DMP with Kensington??
HI, I have been offered a DMP by a company called Kensington, and the payments would be £200 per month, but the first payment goes to them, then £35 of each monthly payment goes to them too. Is this the norm? Or would somewhere else do it for less? The debts are... Monthly payments... ASda cerdit card £2800 £80 Abbey…
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Baliiffs
Hi There, We have a outstanding debt for council Tax that stands at £500 (was 800 to start with) which is with b&s which is only in my oh name. A arrangement was made to pay this by instalments of £150.00 per month by email with them. The last payment was not on time as we just didn't have the money, my oh has been on…
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letter template
Hi can anyone tell me the link for a template letter, I wish to send to my creditors asking them to contact me by letter only. sick of talking to them on phone. Thank you in advance oakey
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Help Please What is:
What is a "Forthwith" order ?? Hope you can help..Thanks
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Mercers F&F suggestions
Hi :) I have posted on here since the end of last year and with everyone's help, I am now paying £50 a month towards my debt of £1500 with Barclaycard/Mercers. I am now working full time and looking to try and negotiate a full and final settlement with them as my partner and I are looking to move out and don't want this…
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*Whacky Wednesday chat thread* 8th July
I'm off to Bookie's - said in a sing song voice.....:T
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Overdraft Dilema
Hello All, I'm sorry if this topic has been covered before. I'm geting rid of my debts and my only remaining debt is my huge overdraft. It's for £2000, which is a lot of money. I've been trying to pay £100 off it each month, but I was wondering if there is a more cost effective way? Because the interest is very high on my…
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Wednesday 8th 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…
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Full&Final
just a quick question... is it better to offer full and final to settlement offers to dca, or is it better to offer to the creditor themselves. i have offered f&f to 5 cc companies, 3 are direct to creditors and 2 to dca. the dca always want the payments then they will send paperwork,obviously i insisted they sent me paper…
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The stress is making me bald!
First of all, hello everyone, I came on this site looking for answes and help about reclaiming bank & c/c charges then thought, 'what the heck, I'll share all my personal demons that my parents and girlfriend don't even know about with a bunch of strangers!!! Here goes, I'll start with my SOA.... Statement of Affairs and…
