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Some advice on dmp please
hi all same old story i suppose got carried away with living off credit cards and now owe around 15k and cant make the monthly payments would a call to cccs be the best bet ive heard of other companies that offer dmp's but not sure if theyre legit or how much they charge also does it just depend on your own budget but how…
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would my DMP effect partners credit application?
Hello there and thank you for reading my post, and for any replies in advance : ) My partner is hoping to apply for a loan and as I am under a DMP with cccs, I am a little scared that I may affect his application and success! We are not married, but live together and share a mortgage, other then that we're not linked with…
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Daily Chat Monday 21st September -all welcome
Good morning. Where is everybody? :confused: I have a confession to make. Got on the scales and I have put on over half a stone since I stopped work and I wasn't skinny to start with. Advice needed - do I join Slimming World just to get the books? Can't afford to keep going.
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Halifax
hi recevied a letter from Intelligent Finance about my CC, they have already defaulted me for not bringing my account up to date. they are in the process of passing it to a DCA?? which one i don,t know, i rang them on Saturday as the letter states they will issue more default notices against my account??? i thought they…
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Newbie - really need some help to be positive :(
Hello everyone, I need some help as we've got ourselves into some trouble :( We were sailiing along quite nicely until August of last year, when my husband was made redundant from a very well paid job, and when I was 5 months pregnant. We've gone from having an income more than big enough to support the 3 of us, to serious…
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Help!! Experian Report-
I have just taken a very scary look at my Experian Report and there are some thnkg on there that I think are wrong... 1st, there is a an associated address that is nothing to do with me (I have never lived there) on there. 2nd, There is a balance on there that I know has been paid off (some time ago) 3rd, and probably the…
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21 Year DMP is this possible?
Hi, We are in discussions with CCCS and have an IVA appointment today (telephone) We have approx £260 per month to pay creditors. CCCS have advised a IVA as it would take 21 years on a DMP to pay off. Just wondering if anyone on here as signed up to a DMP for such a long term and if it may still be an option for us? Once…
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CCJ Query
Hi Guys I have a query and apologise if this has been asked before. A debt becomes statue barred after 6 years (5 in Scotland) unless there has been a CCJ issued against it. Why then do all creditors not apply for a CCJ as soon as someone for examples misses 3 payments ina row? Why do they wait until people are on DMP's…
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Monday 21st Sept - 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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Advice regarding Solicitors!!!
Hi all, I hope I'm posting this in the right place and hope someone can offer some advice!!! In 2005 my OH needed the service of a solicitor and they carried out work for him for about a year. Throughout that time he made periodical payments so that he wouldn't end up with a big final bill. The last letter we had from them…
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I want to be debt free, I am going to see the citizens advice, what can they do?
Hello all, I am new to this board so be gentle. Basically my situation has changed over the last month, I am newly single and am trying to get a handle on my debts and finances in general. I have m.e and so am unable to work, I recieve incap benefit, child benefit, housing benefit, tax credits. This is barely enough to…
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im so ashamesd i wish the worse for me
ive been battling these debts for years, yeah, but ive been holding a secret from anyone for 2 years and most days wish i wasnt even here. In 2007 i married my current husband, and as i had diar credit report, he agreed that any credit card applications would be in his name n id be an additional holder. brilliant, problem…
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DMP 15 months in MBNA charge iminent am I sad No!!
Hi All, as the title says I have been on my DMP with payplan now for 15 months and everything has been going more or less fine with most creditors apart from MBNA. In December they obtained A CCJ against the outstanding credit card debt, I had with them. The court set my monthly payments to what payplan pay them each…
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No signed agreement
I opened up a catalogue account but never signed an agreement I ordered some stuff out of the Catalogue but hav now fallen behind on my payments what can I do and where do I stand........
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Search on my credit report, not mine!
Hope someone might be able to tell me what to do. I have noticed a new search on my credit report from a company called Shop Direct Finance Company Limited but I have not applied for any credit! Yesterday I received a letter from this company addressed to Mr M Tinkles (I am Mrs M Tinkles) stating that they had considered…
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I have really screwed up.
Hi, I used to be a regular on DFW but always skirted around the edges, managing to keep everything just about afloat I never considered our finances a problem - but this has led to a bit of ostriching and now things are getting bad. Boring background I went back to work a year ago after maternity leave (my DS is 2 next…
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Advice on making a full and Final offer
Hi folks, As you can see I have a numbe rof debts still outstanding but have been dedicated to clearing them for some time now with some success. Unfortunately, I made a bad error and landed with catalogue debts to reliable collections. (I thought I had cleared the balance - they insist I havent and are now contacting me…
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Money making ideas?
Hi all, I have recently moved in to a flat of my own after a relationship breakdown, My income is good at £1326 Per Month My outgoings with out any debts is £1290 per month. I have hardly anything to sell due to moving away from main house and the things i have left are not worth anything. My budget which i will post at…
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Does this challenge sound worth it?
Depending on monthly income disposable Group 1:Double your monthly debt repayment totals by adding savings in an extra category, eg. £200. on debts becomes £400 on debts, but half is savings, (labelling it as the word debt,and having an e-savings account as a standing order helps) Group 2: match your monthly debt repayment…
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should I get loan to clear o/d and new car?
Hi there, Barclays have reduced my overdraft at 0% to £500 from £1500. I;ve had a graduate overdraft for four years and I should of expected this. Before I was only paying around £4 a month interest on my average -£2000 balance. Now its shot up to £15 a month. The interest is now 9.9% APR Also my car is about to die, and…
