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What would you do
So i have wanting to move out of my parents place for some time now, but my spending habbits are stopping me from doing so, i want to wipe the slate clean before i make any commitment to rent and other household bills, i have completed a soa form and like i said im still at my parents place so there are alot of blanks. im…
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FULL & FINAL Settlement Advice
Hello! By the end of this week i shall be making a full & final payment to Allied International Debt Collectors. I wanted to get the experience from some one else who may have dealt with these collectors, I have had a letter back from them saying on the lines that they will accept my final remitance of the offer and…
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What will be the effect of going DMP?
I'm 'possibly' considering going to Payplan or CCCS and doing a DMP, but I don't fully understand what effect this will have on my credit file. Can someone pls advise? Thanks
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How long does it take
Hi all, we have been in our DMP since the 1st of Jan with Payplan they have contacted all our creditors & sent them the offer letters. How long does it usually take for the creditor to agree or regect the offer? We are being hounded by calls which i know is to be expected but RBS have phoned me 10 times today :mad:…
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Student bursary - Overpayment
I am a research student at a UK university, receiving a bursary from the faculty where I am enrolled at. It had been agreed (verbally and by email) that my bursary is extended by another three months (Jan - March, 2009) which is approximately £3000, to be paid in one instalment. However, due to a misunderstanding the…
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Advice/Help needed please
Hi to everybody reading this and hopefully i can find the help/motivation i am looking for to sort out my current debts Basically i am currently in my mid 20's and have accrued debts over the last 5 years totalling Approx £15,000 My biggest single debt is to my former mortgage company(now being dealt with by Optima Legal)…
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CCA requests and default removal
Hi, I sent a few cca requests off last week and whilst doing that i thought i would do the proof of default notice letters too (as i feel a few that i have were sent to an old address) I have today received two letters from wescot, one from a creditor, i sent cca request, to which they have said they are looking into it…
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bailiff threat
Ive just came across a recent letter regarding an unpaid catalogue debt in my partners name which mentions bailiff action. How does this work exactly? Are the catalogue company allowed to send people round without any court involvement? I always thought bailiffs were sent as a result of CCJ's, etc... any advice would be…
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Advice please, debt problem
Hi this is my first post. Last year I got into around £5,000 of debt, this was due to a gambling problem in th casino and overspending for 12 months after a brakeup of a 6 year relationship. I haven't gambled for 8 months, and have now changed my lifestyle and faced up to my debt problem. Could you give my any advice on…
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Topcashback help please
I've seen something that i want to but on iwantoneofthose i tried topcashback and it says 14% cashback but is that like ebay which although says 40% means 40% off of all sales not just your one or will i get 14% of my item
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Cant afford my wife anymore
I've stumbled across this forum whilst in desperate search for another consolidation loan/ credit card etc Brief background -have been married for 8 years and at the begining things were great (moneywise) We both worked full time and wife earned almost double what I did. We had our lovely daughter who is now 4 and wife…
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Unjust fees debt - need help dealing with University
Hi, I am having a real issue at the moment with Sunderland University who I enrolled with in September for a part-time degree. The degree should've taken 5 years with 4 modules a year of £200 each. However on attending the University I realised the course was an absolute joke & not what I had been led to believe it was at…
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Help! used card to purchase a £27 membership of a website, so far over £1000 has gone
What can I do? I paid £27 for a membership to a streaming video website and yes I admit it was an adult one, so far over £1000 has been taken! About £700 alone within 10 hours so the bank blocked card and I had to go to branch and ask about it and said I only authorised the £27 bank told me I had to contact the company and…
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Advice needed on selling car to get DF!
Okay I have posted a few times here now and basically came to the conclusion after buying a car (which I absolutely love) it has put e in debt and and I am just going to continue getting further into this if I don't sell it. Anyway unfortunately a few things have went wrong with it and I have had a couple of wee faults…
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Personal Credit Check / Fraud Protection
I got a letter from nationwide while i was abroad, saying that theres been odd activity on my account, which they are investigating. It transpires that someone has a penchant for lingerie shopping online and tescos shopping instore. While not as huge as alot of fraud cases (£600), its still kicked me into touch on security…
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Advice please, re: 1stcredit debt
Story in a nutshell is I took out a loan a couple of years ago, then had to leave the county due to personal reasons. Came back about a year after and have been back for 4 years but never heard anything. Now out of the blue I've had a letter from 1st Credit I know I owe the money and am willing to work out a payment plan,…
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Can somebody point me in the right direction please.
Long story short, in massive debt, used all credit up, need to cut my outgoings particularly on credit cards Bank loan £105 Credit card £120 Credit card £90 Lottery £18 Eon £80 Mortgage £686 Mortgage Ins £100 Bank loan £235 Car Ins £19.00 Credit card £200 O2 £24 O2 £25 Credit card £185 House Ins £24 Water £24 Sky inc home…
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Making March Memorable with the NSD Method!
So we’re coming up to the end of the first quarter of 2010 & Time is speeding by, but it doesn’t have to take our money with it! It’s amazing how inventive you get when you’re determined NOT to spend from weird menu ingredients to surprising DIY solutions-- but you know what? 99% of the time those wacky ideas work Many of…
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advice on CITI Credit Card
Sounds strange but I have several credit cards of which I am paying back, but my CITI card is making me struggle. I have called them today to request if they would reduce my interest rate, currently at 24.9% and they have said no. They are going to get account department to call me as I have informed them that I am…
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What to do with Inherited house
Hi all, Not sure if this is the right thread for it, but I wanna be debt free so here it goes! sure a mod will move it for me if it don't belong here!!! As always I'm after some advice, My wife and I have recently inherited some property from my wife's grandmother, the house is a 3 bedroom semi, in a quiet road in a…
