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DMP and then CC Unenforceability ?
Just a quick question. If I enter a DMP with CCCS or Payplan, can I then go on in a month or so to challenge the enforceability of some of my cards? I need to take action now with my debts, but suspect that some of them may well be unenforceable! Thanks.
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Pay off a Small Debt about 2 years old Advice Needed?
Hi, I got into financial trouble back a few year ago. I basically got a debt of about £384 with a catalogue, worried with the debt at the time i never paid and ignored it. it was only about £289 but since then the obviously added fees etc. This is about 2-3 years ago. I decided i want to pay it, it's all that i have left…
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need to change my budgeting habits monthly overspend £786.00
Had problems with Family Credit when they changed the way they worked out benefit, erratic payments was paid too much when I asked them to send me details on how my claim had been worked out they said they couldn;t tell me the formula/method they used and I would have to pay the overpayment back over £2000.00+ they then…
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Dad died leaving debts. Is mum liable????
Hi I wonder if anyone can advise me. My dad was ill for a long time and accrued debts, some in his name, some in mums. She has the house with a small mortgage which is now hers. The company that negotiated reduced payments with their creditors sent out death certs and told mum dads debts would now probably be wiped as her…
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Experian have made mistakes
:mad:I kept receiving letter to my address for my father. i have checked my report and some of my dads debts are on my report and lots of his searches are also on my report. i also now have searches my mother made with their joint account and their financial association on my report so i now have a terrible credit report…
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Schemes to extend my income!
Hello, looking for some advice from the good people of the board in how I can bring in a few extra quid to help me clear debts. I'd like to bring in an extra £200 a month if poss - i don't need to, but this would leave me debt free by Jan 2011 so I'd like to push for it. I already work a 40 hour week and can't squeeze any…
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Any help appreciated!
Not sure if this is the right forum, but here goes! Recently went to the car people to purchase a car. I applied on line for the finance and got a phone call to say I had been accepted. When I asked the APR they sadi they were unable to tell me. Later went to the dealership and arranged to buyu a car and was told the…
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First post and would welcome some advice
Hello, Firstly a little about me after several years of moving debt around 0% cards, borrowing money on my house and generally over spending I know want to take action. It’s probably a similar story to many but I have spent the last 6 years spending more than I earn, increasing my income through various credit cards during…
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Advice please old credit card debts
Advice please,regarding old card debts,I am paying small sums every month to either debt agencices or directlt to card companies.The interest is on hold,I have paid some debts off but still owe alot,I have had this agreement for about six years now,is there any thing more i can do any legal way out, I am currently not…
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Credit file question regarding defaults
I have just checked my credit files and I have 7 defaults. :o Not clever! My question is this, 6 of the seven accounts state : account closed on XXX with outstanding balance of £XXX.. However they have an 'opening balance' of £0.00. The final account also states : account closed on XXX with outstanding balance of £XXX,…
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DMP Q's
Hello I started my DMP in Jan and have made 2 payments. Only creditor I seem to be getting hassle from is Halifax (the majority of my debt) The have already been on the phone to my parents house where I used to live - I dont even have that number listed on my accounts anymore. My parents dont know anything about my debt…
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After some educated advice re: Getting out of impossible debt
I'm basically in a position where i'm paying out over £600 a month and not paying off a penny. Ive got £20k in unsecured debt over 5 cards, 3 are reasonable with interest rates around 19% but thats only £7k of the debt the remaining debt is at 35%, ive not been perfect with repayments ie late often but ive always paid them…
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lower payments DMP
Hi I started my DMP in July and everything was going great ( was hard for first 2 months with creditors always calling but it finally calmed down) fast forward five months and the company I have been working for almost six years goes bust. Of course Im totally devastated, i got laid off on xmas eve and it totally ruined…
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Years of hard work do pay off!!
I visit this site nearly every day, and always read without really involving myself. I've posted a few times about my own debts and being chased (Aktiv Kapital - :mad:) but thought it was about time I shared my own story, even if it gives someone inspiration that everything works out! :) When I was 18, I applied for my…
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How the hell do I budget :(?
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... 0 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 2200 Partners monthly income after tax....... 0…
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Roxburghe 3G debt - scared, please help :(
Hi all, Hope someone can help me..... In 2004 I took out 2 contracts for me and my ex on 3G. The phones and network were terrible, i complained time after time after time spending hours talking to India. I even wrote to the head of Carphone Warehouse- lot of good that did me! 3g blamed CW, CW blamed 3g and so round in…
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default again
hi i recieved a default notice from one of my creditors last week ,then yesturday i recieved another one for the same account but diferent date on it ,can they default you twice for the same account .thanks:mad:
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How Do I Decide?
Hi Everyone, I currently have 6 Debts that I am paying £305 to per month and 2 Provident Loans that I am paying £115 to per month. Now I know I can't do anything about the Provident Loans, and that's okay, but the other 6 Debts I simply can't afford to be paying £305 per month. The most I can afford is £150 per month to…
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Advice required
Hi guys I am a new poster to this fab site. I am looking for advice if possible. I am 27 and was a silly boy 18-22 not understanding credit cards etc. I now find myself at 27 with a credit card maxed at 3600, and overdraft of 550 and I am also paying £100 per month for a join morgage. I am able to pay monthly but always…
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Advice neeeded on debts and next steps please
Hi, I have run through the SOA which is attached below and this shows that we have a monthly deficit after all our non loans/CC expenses have come out. It would be great if I could get some feedback on this and advice as to where I could potentially cut costs. I know that our electric is huge, however we live in rented…
