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Interest and arrears Template letter
Hi all, I have had a good mooch around on the forum, but does anyone have a link to a letter asking a creditor to freeze interest. i'm going to be in arrears from this month as i'm not meeting the full payment each month on my DMP with the CCCS. Do i ask them to wipe the arrears? I'm not sure how to word it. I don't want…
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Experian’s Credit Expert.
Not sure it posting in right area but. I was wanting to check my credit rating again but i have already done it with Experian’s Credit Expert about year and half ago on the free trial. And i was just wondering if i could do the free trail again? Any help would be great. Gem
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halifax
hey guys and girls i need some advice i lost my job way back in dec, i had a 100 pound overdrauft with halifax which i always payed back on time, when u had to use it, i went overdrawn, and got charged £5 a day, i thought i would ring halifax to sort this before it got massively out of hand, but they said they wont help me…
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Please help??
Hi, I dont know if i have posted this on the right forum but i need some advice. Recently my Mum passed away and my Dad has been receiving bills in his name that my Mum had set up without his knowledge. He is getting quite distressed and refusing to pay them as he didnt sign anything to set these accounts up. There is 2…
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Switching bank acount - are old bank likely to cause trouble?
Hi Situation is that we currently have a joint account with the Natwest. This is £2600 overdrawn (to it's max) and we also have a loan with them - current balance just under 11k. Really struggling with the OD as it's the highest APR debt and just feel we are never going to get out of it as the account is the one all our…
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Advice Please
I have been contacted by a company called Debt Matters who are offering me an IVA to sort out my debt. Has anyone heard of them? Any advice, good, bad or otherwise. Thanks a lot, appreciate it
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Help Needed
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 1700 Partners monthly income after tax....... 0…
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Irony ?
A scary red headed letter from Mercers saying we havent been able to get hold of you..........
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House repossessed, what happens now? Advice pls
Hello all, I'm seeking some advice from those in the know about what is the likely outcome for a work colleague of mine. I'm kinda stuck in the middle and really don't want to get involved but I'm concerned for my colleague's welfare. To summarise : He and another guy rent a house from another guy I know. I don't know the…
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Dmp
Hi, I'm in about £11,000 of debt and currently in a debt management plan. I'm not with any of the charities and before everyone has a go at me for using a company that charge me... my reason is that the CCCS did not think i should have a DMP because most of my income is my student grants. Everytime i spoke to someone they…
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RBS help advice 1st they accept now they don't!
Hi all, I'd like to pick your brains if poss? I've just started my DMP with the CCCS this month payments taken creditors accepted:j. One of my creditors is RBS for a loan taken 2 years a ago when i was i serial consolidator. I have a letter from RBS stating they accept my reduced payment offer and it has been passed to…
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CC debt management advice please?
Hi all, I don't usually frequent this board, despite my oh having lots of debt. We haven't hit debt crisis and I am managing to pay off the cards bit by bit, albeit slowly. My OH credit rating has been hit by the amount of cards and a few late payments (before I took control) We currently have 3 cards (all in his name) as…
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Wednesday 24th February - 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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** Daily Chat Wed 24th February**
Morning all Have been awake since stupid o'clock...was having a dream that B and I were on the beach somewhere and exploring when suddenly a huge wave engulfed us...when I woke up. Sure there is something meaningful in that lol! Busy day for me today, run, housework, post office, lunch then I am going into school to help…
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bailiffs
hello everyone i had an issue regarding council tax being referred to a bailiff some months ago, i know i should have paid it. i had a bit of trouble with the company being a bit fraudulent and it has caused me a bit of hassle. i made a thread on a different section and was told off a bit but also saw some sympathetic…
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Spending diary - can anyone advise
Hi all, I've been using this site for a month or so and have found it really helpful, having had sucess with a PPI claim and by using a business debt template. We have unsecured debt of £57,000 some of which was renorvation costs on the new house which is now finished and after 2 1/2 yrs and a still poor market we now have…
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Debtor in training :-(
Hi everyone I was naughty in my 20's with the usual £5000 unsecured loans and overdrafts. Then I got myself sorted and was debt free :-) though never saved alot :-( However, over the last 8 months my overdraft has crept up to £1300. It started off with a laser mole removal on my face which was possibly cancerous (The NHS…
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any ideas what to do
hi we are trying to sell our 1 bedroom house for about 6 months now due to us having a baby. i have just done a credit check on here a result is very weak. would it be a good idea to take house off the market or keep it on and rent a property for a while till we can get a morgage..we have a ccj. we would make 50,000 on the…
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Serious worries about financial past- can't keep going.
I'm hoping that someone will be able to help me. This has been eating away at me for a while and I feel like it's about to break me to be honest. I've been contemplating taking my own life recently, and I'm really struggling to function. I've worked hard to get myself into a better situation after getting into financial…
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Ive screwed up.... BIG STYLE!!!!
Oh eck, I dont even know where to start... me and hubby decided to put our house on market... lovely house, horrible area!! (we got a 2yr old and dont want her growing up round here...)... first agents messed us around, no interest in house at all.... so we went to another agent... they talked to us about putting our house…
