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Credit Cards/Loans/Overdraft aaahh!!!!
Please could you help I have the follwoing debt: overdraft £1000 19% interest bt £1612 limit £1700 0% till jan 2010 egg nil 0% till oct 2010 £5000 limit barclay loan originally £2000 now £1372 pay £182 month ends may 2010 17.5% Would you put the lot on egg 0% credit transfer 3% transfer rate. Rubbish with money.
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advice needed please.
Between myself and my husband we have debts of nearly £26k. He is self employed, im a student we have 4 kids and do not own our own home. He has a van for work and i have a car for uni (which we both NEED) We are struggling each month to pay everything, have defaulted a few times on various debts and don't have enough…
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IVA advice needed
Hi all, i'm in the process on an IVA and the creditors meeting has been suspended for negotiation for a few days. I was under the impression that 75% of creditors had to vote for approval for an IVA to be accepted. I have debts totalling 65k (unsecured) with five different creditors and the sixth being 30k oweing to…
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Feel like I've let the missus down
Not really expecting any advice but just need to get this off my chest. I earn £30,000 per annum I owe £5000 Halifax loan 3 years left(£192 per month) + £7200 on Capital One CC(£210 per month) The missus knows about the Halifax loan but not about the CC. I feel I have let her down terribly. The CC has been used mostly to…
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Aktiv Kapital complaints - OFT targets Aktiv Kapital
Link: Aktiv Kapital complaints - OFT targets Aktiv Kapital More important to complain about their practices than ever it seems. ;) QUOTE: The Office of Fair Trading (OFT) has told disgruntled consumers that it is considering taking action against debt buyer Aktiv Kapital over collections practices. A consumer who wrote to…
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Help please dont know where to go
I am after some advice, I enrolled on a course for a law degree with open university and was paying by there student account, which meant i had to sign a crfedit agreement. All this sounds fine but i was not well at the time as i have some mental health problem and i was not well at the time and entered into this agreement…
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Payplan witholding payment to creditors
I've been in a DMP with Payplan for coming up to six years and from January this year, they started witholding payment to my creditors everytime there is a bank holiday which causes one of them (Lloyds TSB) to charge a late payment fee. They've done it again this month, my payment to them left my account on 28th August and…
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£9000 by the end of the year!!!??
:eek: £9k by the end of the year seems so daunting it's unreal :eek: I'm new to the site and have been reading the threads with great interest and you all seem to be so good at saving money. I need £9K by the end of the year and don't know where to start. I've got £1400 at the moment so where on earth do i find the rest.…
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Tues 8th 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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***Triffic Tuesday 8th Sept Chat
Morning lovelies. Up at 6 to give Nathan his weetabix so thought I'd pop on and say mornin' xxx Got group today. To be honest I have been feeling pretty fab. Brain played a few crazy tricks on me (yesterday I was planning what I'd do if Hubbles was dead:eek::confused: like what to do with the flat and whether to go to my…
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The rise and fall... Back on the up :)
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Best options for me...??
Hi, I'm currently paying off my car which i bought on finance with black horse. I have about £5500 left to pay over 3 year, but the interest is now at 14%. Im looking at a way to move this to a lower interest somehow but dont know what is the best way to go about it? Do i look at another loan, credit cards or even this…
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Defending a small claim.
Basically I took a deposit of £800 in 2008 for what can be described as a luxury item. I started did about £300 worth of work and fell ill. I kept in touch with the customer and explained what was happening. It became obvious that it was going to be a long term illness and started to claim ESA. In August the customer got…
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newbie posting soa
Hi all, I know I'm not in a really bad situation as some other posters on here - but recently my OH has had his ot cut (and threatened further cuts) and it has scared us both into realising we must take control of the debts we have, and get rid of them, as they continue to mount steadily, despite my resolve not to spend.…
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C-Operative Bank Help
Hi guys, I am currently on a debt management plan with the CCCS and have this company as one of the companies I owe money, infact they are the highest. I owed them £14,813.53 on 29/07/08 and was paying them £9.45 a month which increased to £14.09 due to a slight increase in wage I had. I have just recieved a statement from…
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Personal budget sheet help and question about if income changes?
Hi all, I am helping someone fill in a monthy budget sheet to send to a finance company and a credit card company, as advised by the debtline people. Basically, the only income is a disability living allowance, however, a motability one may be approved soon as well, therefore giving an extra £160 a month, with a further…
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how do I get to be able to attach my SOA? It disappeared!
Thanks in advance!
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Uni Debt
Hi all. I'm new to the forums, but an avid follower of the site. I'm in desperate need of advice if anyone could help I'm about to start my 2nd year of uni and struggling financially. I moved out of my parents house in February and now rent with a good friend of mine. Despite working full time all summer, I'm financially…
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I owe BT £54????
Hi everyone - Apologies for the rant but I'm hoping someone may be able to help me out. In recently left BT to get my phone service from Sky. One of the reasons was that they suddenly started to charge me £17 and Sky was a lot less if I got the package as part of my TV/Broadband etc. Considering I only use the line for…
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Northampton Bulk Centre
Can anyone please tell me why the Northampton Bulk Centre always seems to set repayments at astonishingly high amounts when people have filled in an expenditure sheet clearly stating the amount they can afford to repay. I have read numerous accounts on here where people have been ordered to pay amounts so high that they…
