-
Could I have some advice please :)
Hello all, Ive been joined to this site for ages but not posted. I was just wondering if any of you could help me. Im due to get a bonus from work in April/May time and I think its around £1300. Im on maternity leave and am looking to stay at home once my maternity leave has finished. I think my money stops in june/july…
-
Barclaycard - Are they lieing to me?
to cut a long story short i have an ongoing dispute with barclaycard, as part of the dispute i requested a copy of my original cca. They sent me a photocopy of their general terms and conditions, it was not an agreement and it was not signed, in addition to this it was smudged and un-readable. I refused the document as not…
-
What should I do?
I accumulated a lot of debt - over 20k - between the ages of 17 and 21. I was living with my parents at the time and began hiding debt letters and throwing them away and ignoring debt calls. When I was 22 I met my partner who is strict with his spending and saves like there is no tomorrow. I moved in with him when I was 23…
-
I need help!
I've gotten in hugely over my depth. Over the last fornight or so I havn't slept properly, havn't eaten properly and I am feeling like a full on wreck and all because of debt - there are a number of background issues going on too which make this ever more complex. After a long time I thought I was finally getting in…
-
Help and advise please :(
Hello all, I am writing on behalf of my mum who has been paying back debt to several companies over the past 5 years as part of a Citizens Advice repayment plan. This was based on her income and what she could afford to repay. This has been fine for the past 5 years, no payments missed and payments sent on time. However,…
-
just some advice please.....
hi..hope i'm in the right section! anyhow just recieved a letter today form "spratt endicott" solictors who are acting on behalf of CDISCOUNT who have gone into liquidation... heres just the 1st paragraph.. "we act on behalf of the above mentioned client who has instructed us concerning the ammount due to them for 67.00 in…
-
Hbos is this true????
Long story short, DMP started on 1/2/10. Most creditors been OK. So far ignored by HBOS. Received statements this morning for myself. Full payments demanded, lates charges and interest all added on. Phoned and got chap who tells me that they do this until you talk to them and they won't ever reduce the interest to 0% as…
-
Please help me - Cash genie took all my money..
Hey guys Can anybody offer me any help or advice? I took out a cash genie payday loan before christmas. I was then laid off so could not afford to pay them. I have been paying them £20 a month to make it roll over. I was going to pay them again today as I knew I was receiving a lot of backdated JSA. They then took it ALL…
-
not sure which way to turn
Hello I am new to this site. After many months of not admitting my finacial woes. I finally sat up and decided to deal with this - painful but has to be done. Debts of £56k of CC, unsecured loan and overdraft. I have been in touch with a reputable company [PayPlan] who suggested an IVA. But with the likelyhood of overtime,…
-
Equifax!
I have already posted about this but am compelled to do so again. They have recorded me as not being registered at my address. This was a council error, which I got corrected 3 weeks ago. I phoned them up yesterday and, guess what, they still have not done anything about it. What is worse they want me trotting about…
-
HM letter of distraint
We have received a letter of distraint from HM revenue we owe income tax, we have managed to pay some and notified them that business has been affected by the recession and will start to pay back rest when business picks up, the business can be seasonal too. Just wondered if anyone has had experience of this and what we…
-
The weekend daily chat thread.... 20th/21st Feb
Morning all, its the weekend :j Although for me that means work but nevermind. I hope everyone has a great weekend and prepares themselves for another working week :eek: Positive vibes to Bookie's DD, I hope the baby arrives without any complications. Take care all
-
Weekend Sat/Sun 20th/21st 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…
-
Cca request & westcot credit
I am being chased for what was a joint loan by Wescot Credit Services and despite a CCA request on 14th October 2009 and a Section 10 notice of dispute in January this year they still have not sent me any proof they have the right to collect this debt! They also tried the Nelson Guest Solicitors route but did shoot them…
-
Subject access request
To keep it brief my subject is slightly complicated but i am not sure where i can find a subject access request. It is for a loan that has spiralled a bit and not to the bank but to a finance company. Anybody got any ideas? I am a little nervous about this.
-
My U2 calendar keeps me sane
Tip for good way to not pay late charges. I got a cheap calendar in the sales - one with a square for each day - an d do not use it on nthe wall. instead it goes in a cupboard and whenever i get a bill i just get it out, write the amount due on the payment date on the calendar. this is also great for subscriptions, free…
-
Did i do right
STARTED MY DMP TODAY (WHOOOOOPEE) BEST THING I EVER DID.HAD FEW NIGHTS SLEEP SINCE DECIDING TO DO SO! ALL OUR DEBTS ARE IN MY NAME SO REMOVED MY NAME FROM JOINT ACC JUST PAY IN MY WAGES.MOST IS MY RESPONSIBILITY DUE TO GAMBLING / EXCESSIVE SPENDING/ MADCAP IDEAS/. DUE TO PAYDAY LOANS ETC I HAD TO SIT UP THROUGH THE NIGHT…
-
Concerned about Halifax cc
My Halifax cc debt has been with a dca (Eversheds) for a couple of years, and either through mis-communication or my own fault, my standing order has twice (to my knowledge, that I have counted) failed to reach Eversheds. Once because I got dates mixed up, another was my own sillyness. I'm worried, because have they got me…
-
Timescale for ccj to be set aside?
Hi, Just wondered if anyone had an idea of how long to expect to wait for a ccj to be set aside, I realise this will depend on how busy a court is, I'm just looking for an approximation, or if anyone has applied for a ccj to be set aside how long did it take you? Thanks very much!
-
advice please
Hi, I am after some advice and have been informed this is the best place to come to! I currently have £2k on a credit card and my current account is in the overdraft (-£2.5k). I am desperate to get out of the situation I am in. I am lucky enough to soon be receiving £1k bonus from work (before tax). I am able to pay off a…
