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payment due date on statements
two years ago littlewoods set up an agreement to merge 2 accounts and reduce my monthly payments. i receive a statement every month but it does not show payment due date or amount. are they legally required to show this or not as i have been late paying twice as i thought payments were due monthly rather than every 28…
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Help I'm up a creek & no paddle
Hi everyone, Never in Doubt has pointed me in the direction of this board as he feels you are the best people to give me some advice, I really do feel as if I'm completely stuck on this one. I was I know I have to get this sorted but work long hours as my partner is unable to work, he is on DLA for depression and other…
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Debt Help SOA filled out
Hi Guys, Please help debt is spiralling out of control, I am struggling to get by. My partner refuses to help as they have their own debt. They pay the rent and i pay the rest of the household expenses (gas elec etc.) I dont qualify for a loan or a credit to reduce the apr and monthly payment. I work for a utility company…
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CCJ Balance
Hi All I have a quick question I was wondering if someone can help me with it? Is there anyway I can check an up to date balance of my CCJ on the internet? Thanks Loubie
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Being brave and facing up to reality
Hi all, I've read so many of these posts and am inspired by some of the stories and your determination to get debt-free. Any advice or inspiration you can give us right now would be enormously beneficial. In short, my husband and I are recently married and now we're no longer saving for the wedding we're facing a reality…
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Debt help
Hi all, Long time reader first time poster. I'm a big fan of no-debt and reading some of the threads on this forum has really helped me clear the slate:) My problem now though is wellas far as i am confirmed quite a wierd one. My partner and I were staying in a friends parents spare home, paying rent etc although there was…
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Hello
Hi everyone Well thought i would write on here and share my story as my debts are starting to get a hold on me now and making me a bit depressed. Basically, a few years ago me and my partner who I was with for 8 years bought a lovely house (we were not married), anyway, after 2 years she left, left me the house etc,…
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S.R.J. Debt Recoveries
Hello all I received a letter from S.R.J Debt Recoveries. It was headed "Trace Confirmation" and stated that apparently they "have failed to receive a response to previous correspondence and have therefore made tracing enquiries for confirmation of (my) current place of residence". They then ask that I contact them…
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David Lloyds and Watchdog
I am sick of the way David Lloyds is treating me; As you can see from here http://forums.moneysavingexpert.com/showthread.html?t=1933563 I want to create this thread,in the hope that many people will complain about this company to Watchdog and the national media to investigate the way this company is ran and to highlight…
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In a bad, bad place........
Hello people, this is my first post having registered this afternoon so forgive me if i've placed this in the wrong section. Basically i'm looking for some advice, here's a brief description of where i'm at. I'm a 28 year old male who (like many of you on here i'm sure) grew up in the easy credit years. I've worked in semi…
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My new SOA what do you think?
after time and time again of not getting it right with my SOA ive finally got my get up and go ....... ive sorted out my SOA got rid of everything i dont need and down to mins ... so i would like your opinion if you see somewhere i can cut please do say ...... Statement of Affairs and Personal Balance Sheet Household…
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Help needed !!
Hiya All Juat wondering if anyone can give me any advice please, Approx 2 months ago i finally faced up to the fact that my debt was spiralling out of control and began to miss payments to my credit card companies, Ive worked out i have appox 30k of debt but it began spiralling about Nov last yr when my husband was put on…
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using it all up!
As i was getting ready this morning i realised i have not bought conditioner and hand soap since March! :j Been emptying my bathroom cabinet. Anyone else still using old stock of any stuff???
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iva's
does anybody know if although being married can i do an iva myself without involving my wifes finances as all her cash goes toward her own debts
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Debt Advice: Income Support & Disability Allowance
I am looking for advise for a friend of mine who has a number of debts which he is struggling with due to unforeseen circumstances. Up until last month he worked as a telephone operator from his home; he has now been made redundant due to the current economic climate. He is registered blind (having severely impaired vision…
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HELP: dAVID Lloyds
I canceled David Lloyds, in Janaury, my account was suspended till Spetember. I was told I am no longer member hence I cancelled my direct debit. I even was told I did not need to send a letter, it all done and dusted. The membership would be cancelled. Today I got a letter stating I am in arrearseven though I am not a…
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CCA Request
Hi, this has probably been answered before but its all a bit confusing so wondered if anyone could confirm what I believe to be true. A few days ago a debt appeared on my credit file for £275 from a debt collection agency called Capquest. The debt says its for mail order and was started in 2003 and last defaulted in 2005.…
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Mum has debts in sister's name
Hey, Not really sure if this is the right place for this, but here goes.. My younger sister lives with our mum. Our mum has a bad credit rating and cannot get any credit in her own name. We have found out that she has opened credit accounts in my sister's name and payments are now overdue.. My sister has received a letter…
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Moving house and credit file
I..............
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Up monthly payments or save to pay lump sum????
Hi there, I've currently got a Lloyds TSB Loan that I've been paying off for about 6 years. Around 4 of those years I have been paying it through All Clear Finance as I couldn't afford the repayments. I have now stopped using All Clear Finance as I feel I can take control of my debts now and would rather the extra £30 a…
