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Debt Collecters Threatening
Hi Can anyone help? My Partner has had a outstanding debt for a credit card which Cabot Financial are now in control of. We have not heard anything from them since Febuary I have sent them the letters that stating what they need to do before they can ask for money and havent heard anything until now. Cabot are asking to…
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RBS / Natwest to slash fees - an omen to the ruling?
Fees to be slashed to £5 - sorry if its already about - I did look.
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Buchanan Clark & Wells..
Not sure if this is the right forum, but here goes... Spoke to my mum today (she's 76)...she said she'd got home to an answer phone message with a number to return the call. The message also gave her "a unique reference number", they identified themselves as Buchanan, Clark & Wells. After looking them up on the net (and…
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Help with spreadsheet
I am putting this message here as the aim is to help with me getting debt free. This may be a bit of a cheeky request but I was wondering if anyone had a spreadsheet that was pretty simple to use and helped work out what overpayments could be made to clear their debt. I currently use a spreadsheet in Excel but over time I…
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Advice Please
Post removed due to creepy profiling of user
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Is it wrong that i am enjoying debtbusting!!
I have posted on the diary board also. I have £34k on 9 cc's and £22 ish left on loans!:eek: I had a major lightbulb moment in March. Since then i have had some of the best days with my son and husband on the beach in the park free family quality days out! Before it was in a restaurant expecting little J to be quiet! i…
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what to do need help PLEASE!!
Hi, not sure if I should try balance transferring a couple of my existing credit cards (Mint and Halifax balances of £5700 and £2500) leaving me with a Barclaycard with £1700 on it. I've got an overdraft which is going up each month, it was £2,142 end of last month and I take home £1335 a month. I'm getting more and more…
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Is this right??
hi all, also posted this on the loans board, but feel more at home here:D any answers would be great anywaytook ds2 down to HSBC bank today to turn his child account into a student account. We were not going after the overdraft but while we were there she said that if he did want it then everyone who lived at his home…
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Things are finally moving but need some help please :)
Hi DFW :) I was hoping that some one could give me some advice. Things are finally moving with the CCCS it looks as though they have written to my creditors and i have heard back from 2 RBS have sent me a letter with a default saying they will accept. Shocked but really pleased at the same time - thanks RBS LOL !! Barclays…
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Those in Debt more Impulsive - Duh!
New research has found that people who are poor money savers are also more likely to have other general impulsive behaviours such as overeating, smoking and infidelity, according to a new study led by UCL researchers, published in the journal Personality and Individual Differences. It was part of BBC survey that offered…
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EGG Card Repayment Arrangement
Three months ago, I agreed with Egg that I could pay reduced payments while I found myself a permanent job. Although I am working, I am working as a temp and therefore cannot be considered as being in continuous employment. I rather naively assumed that as I still haven't got a permanent job, they would be kind enough to…
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How long before the heavy mob come round?
Got a judgement against me while I was on holiday saying I have to pay All & L (thru Shoosmiths) £6.933.24. I was paying them a nominal amount each month that they agreed to since 2007. They wanted more and I didn't have it. Judgement was on the 28th August I was wondering how long it would be before they send the…
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Cccs dmp - booklet
Hi I have just completed my online DMP with CCS but I did not download the booklet that gives you a step-by-step guide on what to do next. Do they send you a copy in the post? If not how can I get a copy? Thanks
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Financial help from schools???
We have just paid a £60 deposit for a school trip to france for my son, but now my husband has been made redundant, does anyone know if schools have finances to help parents out with the cost of the holiday???
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Kensington Financial Management Consultants???
Has anyone every heard of these? I appear to be getting calls from these people which I miss as I'm at work, and they don't leave a message. The problem is I'm in the process of arranging an IVA with CCCS and wonder if it has anything to do with them or not. If it has, I will gladly call them back. But it seemed strange…
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Natwest have....
paid the token payment cheque I sent them for our loan into to our current account which is over our agreed overdraft. Don't know what to do, we are currently in talks with cccs about an IVA, and as told we have sent pro rata tolen payment of our surplus money to each of our debtors except the bank accounts because when we…
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Advice needed please!
Hi, I have debts of around £17k. This is broken down to - HMRC over payments - £1700 Lloyds CC - 1650 Lloyds OD - 3000 Lloyds Loan - 1600 NW Loan - 7500 HP - 1700 I have written to all my creditors (Not HMRC) to offer token payments of £1 a month temporarily. I have not heard from NW yet, Lloyds wrote back saying they…
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Wanting to move abroad but do not know how to clear debts
I'm thinking of moving abroad to be with my boyfriend but I am currently paying into a Debt Management Plan through Payplan for my debts. On the money I am paying towards it, it will not be paid off for another 6 years. I have enquired about bankruptcy but am told I have too much disposable income to be allowed and am not…
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Council Tax!!!!! Please Help!!
Dear All, I'm new to this site and I take my hat off to all of you!! :T I would like some advice as regards my council tax. I've always paid my council tax on time and by direct debit. When my partner moved in with me 3 years ago I rang the council tax to tell them of my change in circumstance and to have my partners name…
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Overpaid on a debt!! Help
Hi, Can anybody help ? Have been paying a old debt by standing order to 1st Credit ltd.Was due to end this month but phoned the company and have over paid them by £200.HAVE ASKED FOR MONEY BACK but they tell me i have to take it up with the bank.I have phoned the bank but they inform me it was sold on to 1st credit and…
