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How to get out of gym membership
I am trying to clear mhy credit card debt and paying as much as i can every month however i have an expensive gym membership of £59 per month. I really want to cancel this and pay the £59 to my debt but im tied into a years contract which doesnt end until March 2010! Any ideas as to how i can get out of this? The gym have…
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Debts of my deceased Father-In-Law
My FIL passed away back in June, and you lovely people on DFW helped with a question I had, as CC companies were being a bit forceful (shall we say) about how his outstanding debts were going to be settled. I'm afraid I can't find that thread and I have a further question if I may???? What would happen if no payments were…
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Help with LLoyds debt pls!
Hi, I've been really getting to grips with organising my finances and am now at the stage where all my payments are up to date except one and I can now start to pay a little extra off, to snowball them. I contacted all my creditors a few months ago, explaining I was in difficulty but was able to tell them I should be back…
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Unable To Sleep - posting my SOA as suggested
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1040 Partners monthly income after tax....... 0…
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Unable To Sleep With Worry
Hi, have just joined and for too long have been pretending I do not have serious problems - now I am acknowledging that I do and I desparately need help. I have debts of just under 17k spread over 5 cards with 10k on one card that is charging £225 per month minimum payment and taking £202 in interest per month. I have lost…
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Sunny Sunday 27th Daily Chat - Come on in for a natter
Morning Everyone Yep its me, up early again on a Sunday morning, although its beautiful out again and I should be going for a run but I might go a bit later as Ive got settled on the sofa listing some bits on ebay, then going to finish some bunting Ive been making. Think I will also take B to the beach for a run around and…
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Who do I pay money too?
This may sound very strange but I have around 6 debts through different debt companies. When phoning a couple of them to pay I have found out that the debts have been sold on. The annoying thing is they wont tell me who too? Its now been over a month and I have still not heard from the new companies. I have money to pay a…
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Help Needed!! With Rossendales Bailiff
Can Anyone Help Me? I hope you will be able to help me and give me some advice about bailiffs from Rossendale’s. I had a man call at my home last week, knocking on my door. His knock was very aggressive and I decided not to answer it. He also tried the door handle of both doors before leaving. He left a letter stating that…
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repay or save?
Just joined cus I couldn't find the answers to the questions I have.... and if i have then I'm not sure they apply to me; it's all very confusing. I have a car loan at 18% apr with 1.5 years left, a mortgage with 30 years left at 5.1% and a second loan on the mortgage with 24 years left at 4.8 %. I have no other credit. I…
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Debt management agencies and credit scoring
Can anyone advise. I got in a complete mess back in 2004 and started a debt managment plan. Older and wiser I'm trying to clear things up. I have just got my equifax report and obvioulsy lots of missed payment to my creditors which gaves me a low credit score!!! Although they have infact accepted payments for the last five…
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need to clarify homeowner status
Hi there I am looking into applying for virgin cc. one of the questions to answer asks if i am a homeowner or rent my home. The house is owned by my husband, my name is not on deeds, so i'm not sure what i should put. any advice apreciated.
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I was young & stupid & now am struggling!
Hi, Over the past 6 years i've got myself in so much debt. I've got payday loans, a loan, credit card etc etc. I lost my job & ignored my debts. I've managed my money so badly that now my credit rating is in a shambles. I am struggling even to get a bank account & have just ignored my debts. I've now got another good job &…
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can anybody help
Hi Can anybody help me. I have had a quick chat with someone from ccca, I am to phone them back on Monday. My question is:- I am on a DMP with payplan at the moment but I am finding it a struggle to pay the set amount every month, and they seem to be pushing their products on me every time I ask them anything, or if I tell…
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Having a really bad weekend
Hi everyone, hope you're all well. Feel like i've had another LBM tonight, ended up going out last night even though i knew i really didn't have the spare money and then as i said before i'm a shopaholic and today while my car was in the garage i ended up going for a wander in town. Bought a few things which i didn't need…
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Please Help!!!!
Not sure if anyone can help - we had some debt in the form of an IVA -the IVA practitioner advised that we could satisfy the IVA early by remortgaging. We found a broker and remortgaged based on the house valuation - at the time we thought the valuation was high but took it as gospel listening to the experts. We were then…
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Admitted amounts on CCJ claim but now seems amounts wrong
Hi, I have for several years been under the cosh financially and have several CCJs which have since had charging orders applied. Two of these are both on charging orders for just under £7500 each. These are handled by Restons Solicitors for HFC Bank. Now I have spoken to both Restons and HFC no end of times but a general…
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Should I consider a Debt plan with Churchwood?
Hi all, I have recently joined the site having a serious debt problem of £33500. I have done an SOA and with losts of really helpfull advice from many of you guys have actively started to cut down on the nasties and making the lifestyle changes and have managed to make some big savings, but its still a work in progress. I…
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Advice needed before it gets desperate
Evening peeps I’m not a regular poster on this forum but am an addict and follow the trials and tribulations of the regulars here. I don’t post as I’ve got no debt but I love the atmosphere and kind heartedness of the posters along with the great advice given. On that note I come here asking for advice, not for myself but…
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Should I consider a debt management plan?
Hi all, I have recently joined the site having a serious debt problem of £33500. I have done an SOA and with losts of really helpfull advice from many of you guys have actively started to cut down on the nasties and making the lifestyle changes and have managed to make some big savings, but its still a work in progress. I…
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SOA - Not good - Please help (further info in diary post)
Oh dear, just did the SOA would someone mind having a look to see if i have done this correct, even more scarey now that i see it in black and white. Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars…
