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I need advice plz!
Hi, I work full-time, and also had a work from home job until recently Anyway, to cut a long story short..... I've got £2,200 in savings I've got £4000 left to pay on my car (paying £132 p/m for the next 3yrs) £1500 on credit card (interest free ends on 4th Nov 09) £2565 loan (paying £265 p/m interest free until May 2010 I…
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Next / DMP
Hi Next accepted my DMP quite quickly and agreed to freeze their service charge for a period of six months. The problem I have is they keep telling me that the payment from CCCS isn't reaching my account in time leading to service charges and late payment charges being added to my balance, lucky enough they have agreed to…
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I have done something GOOD!
I had an email from Next Directory telling me i could have a card so i can shop in store and put it on the card and pay later, I clicked the button to say get mine and then i thought - WHAT am I Doing? so i have deleted the email - i keep telling myself Next are Naughty - Clear the balance and close!!!!!!!! Took a lot of…
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Have no idea where to start - Please Help if you can and be harsh I need to hear it
I have no idea idea where to start I feel numb we have massive debt and a lot of it my fault from over spending I feel sick on the amount of debt there is and how life would be wonderful without it, I can't sleep the worse thing is I have just made it worse over the years. We always make our payments and have never missed…
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On the slippery slope
Where do I begin? October 2006, due to an decrease in wages (leaving a job and starting another) I rang my bank to cancel my direct debits. Obviously a language barrier meant that this did not occur and so my hell began. I tried to keep up with payments by credit card as bank charges were eating up my pay(I am paid…
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Advice needed please...
Hi all, I am a mature student entering my second year of a four year degree. I am finding the financial burden overwhelming and am considering an IVA. Does anyone know wether this would affect my ability/eligibility for my yearly tuition fee student loans etc? :confused: Thanks in advance. xx
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22 and in bad debt - please help :(
Think the title says it all really... Basically i have been in debt for a long time but just recently it has gotten a lot worse since i have come home from university and am struggling to find a job. I get DLA and incapacity benefit but the amount i get does not go even part of the way towards covering what i owe and what…
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On DMP and just can't cope
Sorry, but without sounding overdramatic I just can't cope anymore. I've been on my DMP for nearly 2 years now, and have increased my payments to as much as possible, but I found out a couple of weeks ago that one of my creditors despite receiving payments of over £1000 has only reduced my debt by £300. I spoke to the CCCS…
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Finally
Hi Ok I'm going to lay it all down here and let you pick away at me!! I am going on holiday this Sunday for a belated honeymoon, going to the Maldives so splurging which we really shouldn't but me and my husband had last year from hell so we deserve it. When we get back its time to get our butts in ship shape when it comes…
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Electoral Roll
Hi all My husband is albanian and has his visa to live in england permanently. He opened a bank account and was told that 6 months after, he could apply for a credit card and would get accepted. He has no former credit history. He went to the bank and the systems wouldn't even allow him to apply as he is not on the…
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Final piece of jigsaw
Hi All, I have finally taken my head out of my butt and sort some help. I still have a couple of questions perhaps one of you good folk can help. 1. if i set up an IVA would it involve telling my employers? 2. Would debt man be better? thanks
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do I pay off my chap's credit cards
I am about to recieve a big redundancy payout. I was thinking about using a third of the money to pay off my partners credit cards, he owes ca 19k. We've been together 17 years and have a joint account but I am not sure I'm doing the right thing because after talking to a few solicitors there doesn't seem to be any way I…
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SOA - please have a look (ED I/E sheet)
Hi all, i know ive been around so long now im part of the furniture,but me and figures are not good bed fellows. :D I have been sent an income expenditure form as the first step towards early discharge, can someone cast a glance and see if i have anything glaringly obvious, or too high. our total income is benefits - ive…
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First time post - please help
Dear All, I received a letter yesterday from a debt collection agency, 1st Capital or similar, asking me to confirm my identity and that I lived at a previous address. I did live at that address and it was when I was a careless student and may well have left there and left unpaid bills. I left the address they are…
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Calling anyone who is currently undertaking Part-time further education.....
Hi, I know that this is prob the wrong place to post but as I spend all of my time here I thought it would be good to ask all you lovely people the question first? I have just been accepted on to a Diploma in HR Management leading to a Masters. The course cost is £2850 per year (2 year course). I am looking at ways I can…
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Unenforcebale debts
Possibly in the wrong forum here, but how can I find out if debts are unenforceable? i have 3 credit cards, and I'm struggling and so, altho I am in the process of coming to some agreements with them, I just thought I might see how to find out how to do this?? Thanks all
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Freezing interest on credit cards
Hi everyone Im new to all of this - so hope this is the correct way to start. I have a question about the interest on credit cards. Am I able to contact my credit cards and ask that the interest be frozen on them whilst I see myself out of the debit and in doing so will I have a black mark against my name for the future???
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Help And Questions
Hi All, I always read the forums and am very proud of everyone who have acknowledged their debts and are now doing something about. I too am now admitting that am in debt. But with some good maths and hard saving and thank good to the snowball calculator am getting on top of things. I have just cleard 2 credit cards and…
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DMP - How much?
As an avid reader of the site, I am fascinated by those amazing people who are able to pay off their debt quicker than predicted. So I have 2 questions 1. How much per month are you giving to you DMP? I am currently giving £238 (should be out of debt in 4 years time) 2. Are you just paying your set amount, or have you got…
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Creditor still charging interest advice
Hi, I am on a DMp with CCCS, all of my creditors bar one have frozen interest. should i send them a letter asking them to freeze the interest, CCCS payment to them is for £18.60 a month. they are charging me £12 for missed payment, £12 for under payment plus that months interest so each month i pay £18.60 and then they…
