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Credit Card Debt
Hi Im new to the forum and would appreciate your advice. I have £24K worth of credit card debt across four providers. I want to get a consolidation loan but don't know where to start. I can pay around £500 a month. I have not got any bad credit against my name. Is this the best way to go??
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Lost
I don't even know where to begin anymore. I feel so sickened by the amount of debt I've got myself and my wife into. This all seems like a nightmare. I want someone to reset my life. I feel like I've stumbled into this blindfolded, and have carried on regardless of the consequences. Unsurprisingly I'm not sleeping, (mind…
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I'm a Newbie
Hello, I'm new to this and not sure how this works - your patience and encouragement would be welcomed. I think I have gotten ahead of myself by posting a earlier this evening and not saying "hello". Can someone tell me what SOA means, another newbie; RespectedDreamer was asked to setup theirs!! Could you enlighten me…
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help needed please this getting serious now
Hi all im desperate for some advice please. Im a 43 yr old non resident father of two aged 9 and 5, children stay with me 2 nights/week and half of school hols. My financial situation has reached crisis point in the last week i have recieved 2 liability orders from 2 different councils. The first from 5 yrs ago and now one…
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Debt Free Loan Free Consumer Rights Experts
I am trying to learn to be astute with money and hit my first hurdle. I want to rid off my debts as quickly as possible but am unsure if I have come across a "Golden Goose" Can someone advise me on whether the Debt Free Loan Free Consumer Rights Experts are a good as they seem? I have 2 credit cards and a secured loan that…
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Newbie alert!
Hi there, I've been a reader on here for a few months and haven't actually posted but thought now would be a good time...don't know why I haven't before really, as everyone seems so friendly and supportive! Today I've just been accepted for a Virgin 0% over 16 months credit card, which I'm going to use as a 'super balance…
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In DMP missed 3 payments. DMP or IVA?
Hi. Can anyone help us please? We have been in a DMP with Debtfreeme for 18mnths approx but have missed last 3 payments, now i can start paying again but don,t know if a DMP or an IVA would be better? We,ve got 24,000 approx at moment and i want to add my previous gas and electric bills onto the plan. That would then total…
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Arrangement to pay
Hi, Not sure if this is the right place for this but here goes......... I have an arrangement to pay with a catalogue, I have had it for 8 years and it shows on my credit report as AP, now I am in a position to clear it, and no doubt it will be marked as satisfied or whatever, but my question is how long will it remain on…
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CCA Request & PPI reclaiming
Hi guys, hope someone can help! I'm on a DMP and have lots still to go. I'm looking at if there is any money from PPI's I can reclaim. I specifically remember 1 loan via Egg that was mis-sold and will definitely be emailing them. As I don't have agreements for any loans/cards - should I request these first, before then…
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Help please? SOA below.....
Hi, I'm brand new here, so this seems best place to start..... my SOA is below. I entered into an IVA in June 2007 with £77k of unsecured debt. I live at home with my parents (age 29, how embarrassing) and have no assets like property, etc. I work for a bank, so bankruptcy was not an option. I took my IVA through Debt Free…
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job potential
Looking for advice Im currently working part time 3days a week. I have a child at school so need to be there the rest of the week. I got offered an interview for a second job in the evenings 2 days a week. This could potentially increase my income by £250 a month however it's an additional 2 days away from my family. This…
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Debt management companies....
Hi all i'm just looking for a bit of advice for a friend of mine who has got a few cash flow problems. Recently she was cold called by a debt management company which considering her predicament was a phonecall she thought was worth listening to. The DMC said they could be of service and help her out by reducing her…
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Update on Ruthbridge DCA what comes next?
Riiight! Hopefully this is getting sorted soon. I went to the man who represents our landlord (our landlord is a company as opposed to an actual person) and told him what was going on, letter being sent to us, Ruthbridge being very nasty DCA etc. He asked for the letters we'd received, he took them to his boss and…
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Help/suggestions requested
Hi, SOA 1190 - In per month Out per month 550 rent 100 council tax (with 25% single person discount) 50 housing benefit overpayment (1600 owing) 10 mobile/internet (contract until dec 09) 10 landline 10 gas 10 elec 100-200 Childminder (fluctuates) 100 Food 50 Petrol Out essential – 990 to 1090 Credit Loan £192 pm, £10777…
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Self Admin DMP, anyone?
Hi, I wonder if anyone on here is doing a self-admin DMP? Can you give me some advice on how it works, do I need official paperwork from CCCS or just are there any other template letters anywhere online that I can use, or are the wording in the letters not important. I have another bank account opened and ready, but I am…
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Albion finance
Hi Does anyone know about Albion finance and are they good to go with?:confused:
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Debt Collection Agency Question, They would not take a token payment?
Hi. I had a letter from a dept collection agency asking for around £40, I called them up to say that I couldn’t afford to make the payment just yet, the lady said I had 48 hours to make payment. So I said could I make a token payment for £10 and pay the remaining on £30 on Friday, she said NO and that three (who I owe the…
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Bailiff Powers?
We currently have a debt for Council Tax held with Bristow Sutor. Its not too much, but their charges are making the overall bill too high IMO. I've started to send across my payments in multiple denominations of £0.50 all by standing order and i've already been politely asked to 'ensure payments are made in one.…
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no income but husband works - what happens?
Hi, I hope somebody can help with this tentative enquiry. In a couple of months my virgin 0% deal will end. The most recent letter said the interest will be 29.9% after the deal ends. I don't have anywhere cheaper to shift the debt to, and I can't afford the min repayments once they start charging interest on the debt of…
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Help!...I've got to find £3000!
Hello, Yes thats right I've somehow got to try and come up with £3000 cash:rotfl: ...i'm already taking a loan our for £10K and can't get anymore on top of that, my budgetting means that I currently have almost the same outgoings to incomings...so my question is simple(!) does anyone have any ideas how I can save/earn/etc…
