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First time poster - long time debtor
This is my first post so I hope I do it right! Like everybody else here I need help with my debts. I'm always scraping through till pay day and I don't think I'll ever be debt-free. This is my SOA (is that right?): Outstanding debts: Natwest - £2000 overdrawn (APR 17.73%) Alliance Leicester - £600 overdrawn (£5 per month…
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help please needed
i had a baliff at the door today when i got home and gave me a letter saying i have 24hrs to pay £460 quid or the levy and take goods ( thye havent levied any goods as i havent let them in) i phoned the baliffs to see if i could arrange a payment schedule they siad they wernt willing to do it and i should contact the court…
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Claiming tax back - professional fees
Any idea of how i can do this and is it worh it? xx
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Is my partner liable for my personal debts?
Hi, I am new here. Shame I didnt find this site a long time ago. I have some personal credit card debts and a unsecured loan in my name. Foolishy I ran the debts up without my wife knowing. When speaking to the CAB about a DMP the CAB asked my wife for her income, which she is not happy about as she sees this as my debt (a…
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1st Credit
Hi can anyone help. Have just today received a letter from 1st Credit, saying:- That Lloyds TSB Bank plc ("Lloyds TSB") has assigned to 1st credit (Finance) limited ("1st Credit") all of the banks rights in to and under the above account. We have been appointed by Lloyds TSB to administer the account. I think, but am not…
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IS this dca
We live i a remote area any way over the last 2 months the house down the road has been getting some one calling every other tueday at 8am he knocks on the door walks around the house then goes as they have both gone to work. Any way today the same thing happened at 12 mid day a guy knocked at their house then went to the…
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Understanding my credit file
Hey guys, i hope you can help me understand my credit file! I have obtained my credit file from Equifax and there are some defaults on it and there are some ccjs. Ok lets start with the defaults 1st: Company Name / Insight Account NumberAccount TypeTermsStart BalanceCurrent Balance Lloyds Tsb Current Accounts (I) /…
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Grocery bills are down
a little bit reduced it to £45.86 inc delivery and beer for this week (far cry from the £90 odd per week we were spending!) feel happy today
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what wi ipick up after ta and national isurance
In sept i will have an extra £251 gross monthly - what roughly will i get - im think approx £180 - any ideas???
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Help needed
Hi I wonder if anyone could help me with advice. I have a personal loan with Halifax, I have had 2 missed payments due to no employment. I spoke to them to tell of my situation. Yesterday I received a letter from a debt collection agency asking me to pay £2,600. I am worried sick I cannot afford that amount I am struggling…
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beat building society account.
Hi, not happy at all with B&B or abbey or santander :mad: whatever they are now called - can anyone recommend a normal Building society account where i can just put a few bits and pieces away here and there - an easy saver account i guess. Thanks:beer:
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Credit Card Cheques
I applied (via quidco) for a Vanquis card to improve my credit history (or start to) for the purposes of remortgaging in the future. Its not a problem I got one with a £500 limit and hefty interest. I don't use it often but when I do when I go home I immediately transfer money accross and actually leave it in credit in…
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Urgent advice needed
Hi, I am slowly coming to terms with my debt even though, I still have unopened letters which I know are asking for money. I would now like to give you an overview of my current financial position and would love to hear from those of you who can give me advice. Ok here goes. I am 28 years old, currently own a 2 bed,…
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Questions re payment arrangements and credit file
Hi, Not got round to filling out a SoA yet but will do. Was coping ok with debts but I've had a couple of 0% cards expire and I've been declined for three 0% cards and looks like I'm now stuck paying interest at 18% on one card and 22% on the other. The 22% card is with MBNA who wanted to put my rate up to 31% so I had to…
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I need help/advise to payy off these debts?? POA attached
[tt]Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 0 Number of cars owned.................... 0 Monthly Income Details Monthly income after tax................ 2000 Partners monthly income after tax....... 0…
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Austere August the NSD Way.
Another month knocking on the door & waiting to be let in...doesn't time fly when you're trying not to spend :p Let's hope we haven't already had all the 'summer' we're going to get, so we can do lots of lovely freebie things like picnic in the garden & paddle in the sea! So--very obviously copied from the July thread,…
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IVA or DMP - advice needed!
Hello, Totally new here and really just beginning to face up to the reality of my debt. I've spent years building it up, safe in the knowledge that 'something will come up' and I would somehow make it magically disappear. It hasn't and my options are getting fewer and fewer. Not yet being taken to court, but I reckon it…
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Future implications of going on a debt management plan
Hello, I am new to the forum so apologies if this subject has been covered previously. I am hoping thats someone could please clarify whether or how going on a debt management plan affects your credit score and future in terms of getting credit for mortgage. Due to loss of my income we are now relying soley on my husband’s…
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Full Settlement vs Full and Final Settlement - will it damage my credit history more?
After cutting back my expenses dramatically over the last nine months and closing down all savings accounts to throw at my debts, I'm getting close to the point where I think I might be able to settle my final debt (credit card bill, overdraft will be getting paid off at the end of the month). Due to the fact that I have…
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5 kids and 40k plus in debt whats best to do?
Hi everyone, posting here is last resort as all the agencies are advising me based on what they can gain and cant give me legal advice. I have 30k worth of loans, credit cards etc, plus a car on finance with 15k left on agreement (car not even worth this much) I have kept up with car payments but nothing else really.…
