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Pay day loans - breaking the cycle?
Hi all Having lived far more extravagantly than my income allows for the last 2 years i finally realised at the weekend that i need to sort my life out. Reading other peoples stories on here has made me ashamed of myself, i've got myself in a mess basically through my own financial recklessness not through desperation as…
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Debt repayment
Hi Guys, I will repost under new username Thanks
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creditexpert - NOT IMPRESSED!
:mad: You may remember i was unable to check my score (turned out that the systems were updating - it was late at night!) well they have only debited my account for the priviledge of seeing an error message! NOT HAPPY - They will feel the sharp end of my tongue tomorrow - i had better get an immediate refund and an…
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closing down credit accounts
Did anyone else feel terrified but exicted at closing down the credit accoutns? I called round all the places i had avaliable credit on monday and closed the accounts in a bid to make sure we don't used the vast amount of credit we had avalible. They were offering me all sorts to keep my account open, and once i'd shut…
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Does anyone have the linked banks list to hand
As above - we are having trouble with ou rbank and i need to set up an account for some direct debits ASAP - i think we only had one other option but just want to double check. TIA L x
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Statute Barred Debt - Scotland
Apologies if a similar question has been posted before.. I have tried looking for answers but not found anything that helps.. My partner and I both have quite a lot of old debt that we managed to get ourselves into at the start of our relationship. Over recent years we have made siginificant progress in clearing a lot of…
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advice needed court tomorrow
:confused: hi my husband is due in court in the morning for interim charging order , already sent letter to court to ask to set installments or time order but cccs did tell me need to double check do we ask to set installments if thats the way it ends up going ??? I remember they sais something like that to ensure the…
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MBNA charging order
I am so upset and angry - sorry. I have been paying what I can to MBNA since about April, the have said I need to pay x amount or after 7 months they will sell the debt on. Fine. I have been paying as much as I can, but can't afford the level they want. Anyway, I got a default notice on one of my cards with them (I have…
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here goes...
right where to start? its quite a long story which involves me and depression but i guess thats not really significant. i really need some advice as i am in a right old mess. i have finally reaslied my predicament tonight and i am hoping someone kind will help me? i currently have a few personal loans but they arent a…
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Is it the bank's fault that I'm in debt to debt collector?
Hello, I'm new to this site, just signed up today after the harrowing day I've had. I'm a student, with a current account at Nationwide which my mum transfers living expenses into, that she has saved up for my education, as well as money I saved up from working before I began my undergraduate. I also had an HSBC student…
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SRJ Debt Recoveries - trace letter ?
Any advice welcome !! Today I received a Trace Confirmation letter from a company called SRJ Debt Recoveries, addressed to me but sent to my old address. Luckily the new owner passed it on to me. I called and they say it relates to an outstanding AOL bill dating back 3 years to my previous address. I explained that I have…
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natwest od at 16?
hi all i have been looking at my credit file recently and have noticed an entry from natwest, this made me remember something?! when i was 16 i went on holiday with my sister and used my solo card in gran Canaries, i did not have any money in my account but the bank gave me the money anyway when i got back the debt had…
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Advice on MY SOA please
Well here is my SOA... Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 1 Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 2693 Partners monthly income after…
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MacKenzie Hall, Appointing a Debt To Provident Personal Credit
Hi Guys, I'm a long standing member here but due to the fact numerous workmates use this forum, I have registered a new name so I can keep my business private. This morning, I received a letter from Provident Personal Credit, advising MacKenzie Hall had appointed them to collect a debt to the tune of £303.57, for…
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Robinson Way - Warning
Hi Guys and Gals, You know when you sometimes ignore dca's thinking they just keep sending letters and threating all sorts and never do. just a word of warning be carefull if you have a debt with the above they are cracking down and sending lots of outstanding customers through to court the next thing you know you get a…
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Husbands business debts
Hello - Newbie here!! I need some advice please...... Story so far, husband had own business until last October, (not a ltd company) has quite a few big debts outstanding to suppliers who are now hounding him for payments. He had made payment arrangements with them all (which were upto date) but he has now been made…
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Advice please on trying to reclaim bank charges to try to reduce a debt
Hello, i didnt know if this query would be better here or the bank charge reclaim forum but thought it might be better answered here. I have 2 debt to Royal Bank of Scotland (RBS) one for £3349.15 & the other for £342.57. The larger of the amounts is in the hands of Wescot credit services, who are sending me the usual…
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Advice please on last stage of my Master Plan!
Hi All Thanks for taking the time to read this and apologies if it gets lengthy but want I want it to be fully comprehensive so I can get the best advice. I am looking at transferring the balance of my (evil) HSBC Loan onto a credit card so that I can manage the payments better - ie; I want to overpay when I can afford to,…
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Advice on my SOA please
Well heres my soa, Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 3 Number of children in household......... 5 Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 0 Partners monthly income after tax.......…
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MBNA Arrgh
Sorry just had to vent my frustration somewhere. I have been trying to set up my DMP for the last 4 months and most of the creditors have been quite good and accepted payment plans with the exception of good old MBNA which despite me writing numerous letters have only had the "please phone us in return" They have even…
