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Ppi & dmp help please!!!!
My debts have been mounting due to various changes in my circumstances and I took the decision this year on the 16th November that my only option was to start a DMP, which I have done with Payplan. I have opened a new bank account and stopped payments to my creditors etc and Payplan are now in the process of contacting…
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Sold my soul to Mercers, now I'm worried.
I asked barclaycard for a full settlement figure and promptly paid it in full 3 months ago. I return from my travels to find out I had been sent a statement for 18 pound. This I gather was residual interest. This then accrued 3 penalty charges of 12pound every month. So the total outstanding is 54 pound. Mercers have just…
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a big thank you :)
well i have been lurking for a while and thought it was about time i did the right thing and said a big thank you to everyone on the site, particularly in this section of the forum. i hesitated to sign up initially as i am already a forum tart and spend too much time on them - but this is the most productive one i have…
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Help please - On DMP but need to finance a new car
Garage have said that the engine is knackered on the car and not worth repairing. I absolutely have to have a car so that I can work - its a requirement of the job. We're on a DMP and have no money. The £500 savings I have scrimped together were just paid out to the garage to get car through the MOT less thn 3 weeks ago.…
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Utility C changes account and back dates new account so looks in debt again
First of all listen to this ... http://www.pre-maturebaby.com/TRACK4.wav (1) Invoicing a business and treating the contract as a business contract (no domestic consumer rights.) (2) Invalid VAT invoices to Business Customer as per HMRC (3) Direct Debits re-called offered payment of gas and electricty. (4) Changed verbally…
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1st Credit HELP PLEASE SENDING LETTERS
I was contacted by 1st credit 6 weeks ago saying i owed £20,000 for a credit debt i honestly could not remember, Previous partner previous life Anyway i sent stratery bard letter they phoned to say i was making £10 payments up to 4 years ago so not stat bard I sent them a prove it debt leter with £1.00 postal order, I…
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Car insurance direct debit cancelled and they now want full balance
I've had a letter off my car insurance company (Diamond) explaining that because I have missed a direct debit payment twice (single payment that they automatically re-applied to the same account for), I now have to pay the outstanding balance up front in order to continue with the policy. They're asking for £500 to be paid…
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My SOA Advice Needed
Hi all. I have just used the SOA Calculator with my results below, Not sure if i completed it correct or not as i am on a DMP with the CCCS and its the first time i have created a SOA The reason i have created this is i have been out of work for 1 year now after lossing my job of 9 years this time last year. During the…
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Determined to be debt free!!
Hi I have been lurking on these forums for about 2 months and seeing the invaluable support this community provides for one another is amazing! I thought Its about time I made a post to see If anyone has any advice for me. I live with my fiance and our son who is 15 months old, I am also pregnant, due in july! Our Debts on…
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Employer overpaid - tax, NI, student loan?
Hi, I wonder if anyone can help please? I received an email from my employer today stating that there had been a mix up in payroll and I have been overpaid (we received a 1% bonus for working hard during the recession, a kind of thanks as there is a pay freeze). So the additional amount was waaaaaaaay over the supposed 1%,…
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wrong date of birth
Out of the blue last year i answered a phone call from a company called Capquest.They informed me they were trying to collect a debt.When it came to confirm my details about this debt they said that because my date of birth didn't match the one they had ,"for legal reasons" they could not talk to me. They then asked me to…
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how can do this on my own
Hi, I'm new to the board and am in desperate need of advise. I have hidden credit card debt from OH for 3 years (£10,000).Last week it all came out. Money was not spent on myself, just day to day living. I feel so ashamed that I have hurt and deceived him so much. I have had to leave and staying with daughter. I was making…
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About to take the first step to becoming a DFW
Hi there, I have debts of around £10000 owed to various creditors. I live in Scotland and my income is about £800 a month. This can change depending on which benefits the DWP decides to stop and also how many hours work my local temp agency can find for me. I have been hiding under a big pile of coats for years hoping that…
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Fresh start, here we go...........!!!
Hi all First time poster but a long time lurker, so please be easy with me! Below is my SOA, haven’t quite had my LMO yet, but its starting to glow brightly…………. Income Salary.....................£1,822.21 Outgoings Mortgage..............£841.93 A&L fixed until Jan 2011 L&G Ins..................£45.32 Mortgage Ins Council…
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A little advice please
Before I start I would just like to introduce myself, My name (User) is baileym and I would just like to say hello to everyone on the forum Ok here goes I have been reading a lot of posts about a letter people have been receiving from TELOGRAM and I have now received one myself, 3 days passed and I have now received a…
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How to confirm the association between Telogram and capQuest?
A fairly straightforward one, this. Earlier this month I received a letter from Telogram trying to connect me to somebody with the same first and last name as me who used to live at an address nowhere near anywhere I have ever lived. I 'phoned them (yeah, I know :rolleyes:), told them that's not me and said in future I…
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Confussing Credit report.
Little confussed right now, I have people chasing me for debt which as mentioned in a previous post I was stupid and now trying to pay everything back. I finially got a copy of my credit report, and they are not on it. I also have a score of 650 which is a lot better than I thought 4 entry's on Account information, two of…
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capquest and 10yr+ old bank debt
Hi was wondering if anyone can help? I receive a letter from a company called telogram originally some weeks ago asking to confirm my address etc etc.representing a company called capquest.I ignored the letter as had read about a phising scam. Ive since received a letter from capquest themselves saying as i am now aware…
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dca adding charges
hey all, can anybody shed some light please i have a debt with next that was taken over by the lewis group, the debt was due to end this month, my final payment would have been £30, but by mistake i cancelled the direct debit before it was taken, within 2 days lewis group had added a £20 charge to the debt. i would have…
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Which debt is our priority?
Ok, we have the following: Car loan 29% £4800 outstanding (taken out in October, after our credit rating was hammered due to dmp. Will paying this for some time improve the rating or should we settle up on this asap?) Credit card 1 -interest frozen £400 outstanding (showing as default on credit report) Credit card 2-…
