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Recommend me a Current Account
Hi, i am currently in the process of setting up a DMP with CCCS. Because one of my creditors is also the main bank i deal with i have been told to either make this account a cashcard account only or to set up another account elsewhere. Basically what im looking for is an account that will let me and my partner pay our…
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Data Protection - that can't be right?
My DMP starts on Oct 1st and I received a call on my work mobile yesterday from Virgin MBNA (1 of my 5 creditors) with regards to that. As it's a work mobile I answered 'Hello, "my first name" speaking'. She answered 'is that Mr xxxxxxxx' to which I answered yes. She then began to talk to me about the information she'd…
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Balance discrepancies between creditors/dca's and Debt management company.
just wondering as I have seen it pop up a few times now, whether there are many people with experiences of people who have been on debt management plans, administered by either free services or fee paying companies. Do you receive monthly/quarterly statements telling you how much your balances are owing to your different…
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I want to be debt free
Hi Guys Although I don't have a lot of bad debt (have mortgage aswell) I'm gradually getting towards it getting out of control. I owe about £500 on credit card and have an overdraft of £2000. With the charges I am currently paying on these debts my good debt is becoming affected (mortgage is last payment at the moment out…
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do we pay
my husband and i have just agreed to a dmp to get ourselves sorted out but since we have not signed anything yet or had any paperwork back we are not sure if we need to continue paying our debts as normal until it is up and running. we only spoke to an advisor last night and one of our payments are due today. what do we do?
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Our decision has been made....
Well I spoke with a Payplan advisor for over 30min last night and I have to say I wasn't overly impressed with her but lets not go there. She explained the DMP and IVA and it scared the life out of me, because we have a new debt we can't do either just yet we have to wait 3-6months. My husband and I spoke about everything…
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Justabank query
Hi all I have tried a few times to contact my case worker through justabank, i send the message but where do i check if there is any reply. I go to post box then my correspondence but all i can see ever is my msg i sent them. R they not replying or am i looking for replies in wrong place. Have no idea where to look Thanks…
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Day 1, the start of becoming DEBT FREE
Current Debt = £27,894.94 OK now its easy to see, I have a lot of DEBT. I ended up in this position, mainly due to one fact, I was so unorganised. I am now 25 years of age and need to become debt free as I have a wife and two small children. The start of my debt My debt started when I was 18, I started a new job and spent…
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Debitas and Full and Final Offer
Hi All, Has anyone had any success with a full and final offer with Debitas? After all the problems we have had with them and Capital One we thought we might try and make a full and final offer of around 60% of what is owed. Had no experience with this so not sure what to expect. :confused: Thanks
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Credit agreements-RBS
I am currently in a DMP with Payplan which has been running since January 2009. All creditors have frozen interest which Iam so grateful for. I want to pay every penny back as I spent the money. I dont really want to upset the apple cart by asking for credit agreements,however would like advice regarding a Royal Bank of…
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Fabulous Friday Chat 4th September - Free For All !
Haven't started one of these in a while. Currently considering whether I can get away with not getting dressed today.... Think I might need bread/milk so probably not:rolleyes:
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Ignore this post as Milly beat me to it and I can't delete it
ignore this post....Milly beat me to it :D Candy xxx
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Fri 4/9/09 - 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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Deleted credit agreement - what does this mean?
Hi all, I've just taken a look at my credit report, and a credit card agreement has been deleted (i was notified by email by equifax). This agreement relates to a debt, there was a default registered too, and I have to say it's not one I'm paying back at the mo as they haven't contacted me yet. Would they delete the…
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Hello I am a new Debt free wannabe
Hi, i have some increasing debts which are now out of control, and i want to join the forum as a DFW . Um what do i do now, i saw somewhere about a calculator for which debt you should pay off first etc... I am a single parent with 5 children ranging from ages 14 to 7 and seriously need to sort my debts out, as its…
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Credit Rating question
I have just accesed my Experian account for the first time. My score is 650, however there is a mistake on there. When i changed banks from Abbey they charged me £25 a month for four months leaving me -£100 which i succesfully claimed back with a call. However exactly the same thing happenend again and i succesfully…
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Newbie!!
Hello All Well I thought it was about time i sat down and sorted out mine and DH debts. I'm 3 months pregnant so thought now is as good as time as any to get things on the right track. DH isnt very good when it comes to money and thinks things will sort themselves out..... I dont think so! So I could really use some advice…
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Gettin rid of my car loan
I owe around £4000 on a car, at the time i took out the loan, i didnt envisage buying another property. anyway, cutting a long story short, i currently pay £200 a month for the car/loan repayments. What i am wanting to do is basically stick that £4000 onto my mortgage and basically free up an extra £200 a month for other…
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pad question
can I really just do online banking and pay bits off the cards as and when I have some cash in there without waiting for the bill? will it show up? can i pay it in at bank without cc bill?:confused: :huh:
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One step forward....ten steps back....
I am close to losing the plot here......I ache all over, my head hurts and I've been in tears on and off all afternoon.......I know its stress cos I was fine at work...... The story...... Last week I phoned Nationwide and Barclays (Littlewoods card) about reducing my interest as its causing my debt to just roll on and on,…
