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Newbie Debt-free Wannabe!
Hey guys.... the name isn't to deceive, I shorten it to MFI for nostalgia :rotfl: Currently I have debts totalling £4200 and I'm just wondering if my own personal kind of repayment plan is the best way to go? Accounts are in order of lowest owed. Store Card 1... £300, repaying £5 per week. Store Card 2... £500, repaying…
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OMG repayment calculator!! the truth...
i just had a look at the repayment calculator, i have a catalogue account with very i owe £1900 @ 39.7% apr this is what the calculator came back with. Your first monthly payment will be £95. It will take you 164 months to pay off this debt if you only make minimum payments and you will be charged £2387.79 in interest…
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full and finals
Hi all these are my current debts:- Mbna CC 1 5k Mbna CC 2 4.5k Egg Loan 5k Egg CC 5.5k Mint CC 4k A&L Loan 5k Lloyds O/d 2k B.o.s o/d 2k Lloyds cc 1k Barclays CC 2k i may have the chance of up too 15k to clear my debts as a full and finals what wud be the best way to clear these, id prefer to start low and work my way up…
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Mackenzie Hall..again!
Got a letter a few weeks ago about an alleged outstanding balance of around £90 for a correspondence course. Wasn't sure what was going on, so sent a 'prove it' letter from this site. Got a response today from MH who said that the matter was referred back to their client (ICS) and they were no longer dealing. Not sure what…
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My SoA
Here is my current SoA .... Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 3 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 544 Partners monthly income after…
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Connaught Collections UK LTD
I've been dealing with 1st Credit for over 3 years over a debt. They fail to send a proper CCA and so on, so fourth - threaten me with court / people coming over.... Finally on the way to a serious monthly offer. They sent me a letter asking how much I want to pay - fill in standing order form etc and send back. I said -…
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Help needed :'(
i really need some advice my credit card of 400 got passed on to a debt collection agency because i missed jans payment of 1.00 my set up agreement fair enough i missed it i put my hands up.. i have never recieved a letter from this agency until today saying... if i dont contact them within 72 hours then a person will come…
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I want to stop living to just pay off debts (soa included)
Hello I really need some kick up the bum, can someone point me in the right direction. This has been much worse but I need a kick up the backside right now to clear this as soon as possible.:mad: So the SOA looks like this Statement of Affairs and Personal Balance Sheet Household Information Number of adults in…
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off of repayment-can it be turned down?
Hey, I'm posting on behalf of a friend. Basically he has has just had a call from a debt recovery agent saying they are calling on behalf of his ex employer as he apparently owes them £400 in overapaid wages. This is the first he's heard though apparently they sent letters to his old address despite having his current…
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Statute Barred
Hi Folks, Ive been looking at debts for a family member and ive checked the credit report for him too. Does the Statute Barred rule come from the date of last payment or the date of default. RBS Loan :- Last payment January 04. Default date on credit report is June 2004 Also a circle with a U scored out in saying no longer…
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Should i try and make a deal ?
Hey all , Ive just recieved a letter from HBOS regarding an old account .I thought this account had been closed down ,had never recieved any letters or calls from the bank to say there was any type of problem .The account has not been used in about 3years !but today i get aletter saying that i owe £50 ,went to the bank who…
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Payplan vs CCCS
Well yesterday I had telephone appointments with both CCCS and PayPlan. I did this because I wanted to take the advice from the two big Debt Counselling charities. Both of them were very friendly and helpful and I couldn't fault the Counsellors. I find it interesting that one of them thought my car was HP, where the other…
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letter from roxborough. any advice??
hi, im a newbie here and and recently being hunted by roxborough. a couple of days ago my neighbour passed me a letter with my name on but her address. after opening this letter i noticed it was from roxborough who claimed i owe 3g monies and that the debt had been passed on as they could not get in contact with me.…
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advice needed re: Egg Card
Hi all, Ok, not a newbie at this, but just wanted to make sure we have done the right thing and cant do anymore. here goes, basically, hubby and I are doing our own DMP all creditors have been great except Halifax and Egg. However, after a 4 month battle, finally got a letter from Halifax stating they will freeze interest…
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Encouragement needed (SOA included)
Hi I'm a newbie and would love a bit of support/advice. I had my LBM before Christmas when i was about to spend money that we didn’t have i suddenly realised buying for other people just wasn’t that important, so i only spent money we had in the bank on our kids and left the rest which was a first. i have since cut all our…
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debt help please
hi please can you give me some help? i have received a letter from allied international from natwest about my credit card i have missed payment and now they want the full amount-£4229 which i dont have. i rang them and they are giving me till tuesday to pay it. but told them i am on mat pay and returning to work 1st march…
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Question about Defaults on Credit Reccord
Hi Every one, I am a newbie here. Just wondered, I have a Default on my credit record and the creditors have said even if I pay it up the default will stay on my record for 6 years. Is this tryue? If so whats the poiont of paying it off? I dont mean that in a rude way. Thank you
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Stuck paying for two car loans.
Hi all, I am new here, as you can guess. Just looking for some financial advice please! OK my situation is this. 7 months ago I bought a car on finance, and last month it got wrote off. (Not my fault, but 3rd party has yet to admit liability) Now I foolishly did not take GAP insurance. Due to this I owe more than I got for…
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Received terms and coniditions? not CCA what is the next step
Hi Following on from a recent request for a CCA using the template here on the forum, i have recieved what is described as, a copy of my recent terms and conditions. It is not dated in itself and the address shown is not the one for which we resided at when the original agreement would have been made many years ago. It is…
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please help a dept free wanabe.
hiya people, me and my boyfriend are wantaing to start a new we both have run up overdrafts and are currently living off them. we have had no end of bank charges. so we have opened a new bank account with no overdraft and having both wagdes paid in to this account and all our comitments taken out of the new account so we…
