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My SOA - please can someone help
My husband and I are in loads of debt, unfortunately have been living off it but now something has to give. My SOA is below. It was suggested to reduce petrol costs but unfortunately to get to and from work we have to spend a min of £50 per month. I am looking at reducing the Sky bill and that is my next step. With all our…
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My SOA , Can anyone help
Hi there, only joined today and the advice was to complete this SOA, how scary is that, when its there in black and white. Well this is it, i hope all is not lost and would really appreciate some advice on how to get out of this hole of debt!!:mad::mad: Household Information[/b] Number of adults in household........... 3…
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Devils Advocate Charging Order
Long Story.......................................:rolleyes: We had LBM about 18 months ago and since then together with help from people on this forum and our own research we have managed to settle about 24K of debt and get rid of all but 2 creditors:T One of these relates to a CC who I have to say have been good froze…
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Unfair default on credit file - 3mobile.
Hello, Help! I have an unfair default on my credit file, which I suspect is causing major problems (increased CC interest rates, and a declined application). Story: 2008. My daughter ran up a massive bill (£700) so I called 3 to ask that I could pay over a period of time rather than all at once. They agreed quite readily…
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had my proper LBM, SOA attached!
Hi, i have had a few small LBM's over the last few years, but tomorrow is the very last payment of a loan i have had, so suddenly i have extra money every month. ordinarily i would have used this as a reason to spend! but i would really like to clear my credit card debt, i have attached my new soa as from next month. any…
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Lowell letter out of the blue!
I hope somone can help me. I have recently received a couple of letters from Lowell requesting payment from a Barclaycard balance of over £800. This is kind of out of the blue and a little complicated. The debt was run up from 2000-2004. There were some other debts as well and as a result of being unable to make payments,…
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Is an IFA fit for my situation?
Hello Everyone, I am seeking to reduce my debts so I hope this is the best forum to post this concern of mine. I have a feeling that just seeking a loan to consolidate my debts may be shortsighted and inappropriate when I should be taking into account my future plans such as children and moving home. I figure I need advise…
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Debt freeze plan for borrowers.
Sorry if this have already been posted. Debt freeze plan for borrowers: http://www.thisismoney.co.uk/credit-and-loans/dealing-with-debt/article.html?in_article_id=490863&in_page_id=62&position=moretopstories Indebted borrowers repaying their creditors through informal repayment plans may be able to have the interest on…
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where do i start?
Hi there, I have decided to take a REALIST look at my debt today and completed the buget planner. Unfortunatley i spend more than i earn and a large part of this is on credit card repayments. I want to start to stop spending and get out of this hole but i dont know what to do next. Can anyone help me to get started…
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HELP... advice needed! : (
Hi All, I've just joined this forum so am new to all this, so please bear with me. I'm after some advice as I'm at the end of my teather and dont know what to do next :confused: Basically, my ex bfriend was and is totally pants with money. He has a bad credit rating and we often got final demand letters to the house where…
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Online Surveys
Hi Guys, I need to earn some extra money so I signed up to a few of these online surveys.....a fairly large company that I signed up with are offering a 1 point (50 pionts = £50.00) to every new member you recommend. I am just wondering what happens if someone set up loads of different email accounts and used them, they…
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Cancelling an account
Does anyone know what is a reasonable time for a company to cancel an account? I rang Santander cards 3 weeks ago and ask them to close my account but when I checked my credit report today it says they updated on 13/09/2009 and it does not say settled.
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Tesco CCA received - I think ??
Hi I have just received a reply from Tesco visa for my CCA request. The accompanying letter says "we are obliged to provide you with a true copy of the credit agreement ......in terms of CCA regulations this can be satisfied by providing a copy agreement at the date the card agreement was made and a copy of current T&C" -…
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Is it really worth it?
Hi My total debt has somehow managed to reduce itself by almost half due and I now owe roughly £6,000 to 4 credit cards and 2 loans. Is it really worth me continuing with a DRO or am I better off now re approaching the companies and offering to up my monthly token payment from £1 to £10? I can afford this as the debt that…
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Red debt collections/lowell finance
Hi there, wondering if anyone can help me. Ive received a demand from Red debt collection demanding £720 on behalf of Capital One for an old credit card taken out back in 1999. No payments were made after 2001 on this and it wasnt £720. Credit limit was £250 !! Help, what can i do? can they still claim this money, there is…
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Buchananclark + Wells Are Going Down
Hi all, I'm new to MoneySavingExpert.com, and this is my very first post. Unfortunately I could not find where to create a new thread, so sorry for that. Anyway, my wife received a letter from BCW and then a threatening phone call from them about 3 weeks ago, stating that we owed them £282.62. She rang me at work, and I…
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Repayment of car
Hi Gurs, thought i would ask for some advice on this forum. At the start of the year i was oweing money to over 7 creditors/debt colelctors but thankfully never got into the stat of having CCJ's registered. Now, i'm happy to say i only have 2 debts left (thanks to tax rebates and ALOT of overtime) One of these end next…
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Anyone on Dooyoo?
If so thought if we post our usernames here, we could all add each other as friends and support each other by reading/rating each other's reviews? My username is the same as on here :) . If you're not signed up, basically dooyoo is a site where you write reviews on anything and everything and get paid 50p per review, you…
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CCA Request - next steps
I have written to Aktiv Kapita regarding a default entry on my credit file for £1.4k, using the default CCA letters on this forum. They have responded basically saying they don't have the original paperwork and will contact the original creditor for it. They have also said the account is on hold until they can get the…
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Need Advice please!!!!
Years ago i had an account with abbey, it ended up with £2000 worth of charges anyway the account was closed and i used to make payments toward it, back in 2007 i think i got a letter from abbey saying i no longer needed to make payment, unfortunately i threw it away, anyway now red debt services are chasing me for the…
