-
Weekly Spend Challenge W/C 28th Feb 2010
Hello everyone . Welcome to the weekly spend challenge. This challenge is open to anybody, no matter what financial place they are in. On this thread please post an amount of money you wish to stay below within the week (Sunday to end of working day on Friday). This can be pennies or thousands it depends on the individual.…
-
£1 overdrawn but getting charged £5 a day,can i get charges droped do you think
hi, i have had my a&l bank account nearly 2 years and never gone overdrawn..2 weeks ago i did but they droped the charge ,they said they are allowed to drop a charge once a year,,but now i have just found out i went £1 overdrawn again and i am being charged £5 for each day i am overdrawn..it is sickening just for £1...do…
-
catalogue debt ,can i pay less a month
hi, i have a catalogue which i am meant to pay £50 a month ,i can only afford £5 a month off it at the moment,,if i pay just £5 will they keep addinfg on lots of interest every month plus the fine they put on for a missed payment..thanks
-
help with whatsthecost.com
Hi there I am trying to do the credit card calculater on whatsthecost.com but I have no idea how you work out what your minimum payment is as a percentage of the balance?:huh: Would anyone be able to explain in 'dummy' terms please, as maths clearly isn't my strong point :o Thank you
-
Much needed support please
Before I begin let me apologise as it's not a fun post - all doom and gloom I'm afraid, 2009 was pretty bad for our family financially in that due to jobs/ changes in circumstances we were about £600 down every month, with a lot of juggling and cutting back though we were just about managing, now 2010 is here things have…
-
Llloyds TSB and Halifax
I have debt - bad debt (as some of you will know) however, I quickly opened a current account with Halifax last year, before I told all my creditors including my old bank about my debt and my inability to pay them the required amount each month. Unfortunately, for me one of my creditors is Lloyds and initially they…
-
Please Help
Im new to this forum and was wondering if i could get some advice im 23 and live in a privately rented flat at £450p/m i recently moved into my little flat after transferring to scotland with my workplace. i was on a 32 hour contract (which is the only "full-time" hours you can get) but would regularly work more then 40.…
-
Debt sold on
Hi Can anyone tell me how I will know if my debts have been sold on? Do the original creditors have a duty to inform me? I am ready to make F & F offers but am not sure if my debts are still with the original lenders. Any advice very welcome.
-
Another bulb has just flickered on...
As you will see I am not a newcomer instead have been on this forum since June 2008 when I have to say I joined because I was worried sick about the state we were in. About to go over a massive OD limit for the first time ever and a cc maxed out. :eek: Not to mention a host of other debts and only min payments being made.…
-
Updating addresses on defaults
My fiance has just received his credit file and even though he has written to debt collection agencies from our current address, the addresses on some of his defaults are old addresses. Is there a quick way he can get these addresses updated as it's obvious that the debt collection agencies aren't passing his info on? We…
-
Unenforceability & Template Letters III
Unenforceability & Template Letters III *** Update to original thread Unenforceability & Template Letters *** *** Update to follow-up thread Unenforceability & Template Letters Part II *** The Consumer Credit Act 1974 (CCA1974) & Consumer Credit (Agreements) Regulations 1983 (SI 1983/1553) set terms for financial…
-
Don't want to hid away from my debt any more!!
I split up with my wife in April, moved out I stopped paying my credit cards, loans and overdraft. I have left my job, moved out the area and now have no idea what my debts are or what to do about them. I am now working again but as a temp, I have no fix place to live!!! In a real mess HELP!!!
-
Floundering around!
Hi all, first post so please be gentle with me:o. After many years of head stuck in the sand and constantantly rolling up and shuffling around our debt on credit cards and loans, we've finally had a major lightbulb moment and decided enough is enough. We've always managed to make the minimum payments and repayments and…
-
can bpo collections hound me for money when the debt is marked as 'settled'
defaulted on my CIT agreement for a dell computer... then paid a load of money to a DCA (cant remember name)... but now have a different DCA (BPO) after me for the same debt can bpo collections hound me for money when the debt (to CIT) is marked as 'settled' on my experian credit report. ive actually been paying them money…
-
Some advice please
Hi guys/girls Ive had a quick read through the forum and now ready to ask a few questions. Im in need of a loan - to clear off my other loans/credit cards - to have a fresh start. I have bad credit - needless to say I need around 10k to clear off everything. Ive taken a look at a few companys and need your advice if you…
-
How can I work interest out?
Hiya - My VERY catalogue's current balance is £480 and the interest is 44.9% - deadline for this months payments are today and I am just wondering what the balance will be next month with interest added on, is there a way I can calculate this? Thanks in advance xx
-
can i get defaults removed off my credit file?
hi, was wondering if anybody could help me. I am trying to get my credit score improved as it is only 170 at the moment which is terrible. I got into loads of debt 4 years ago with credit cards, catalogues etc and stupidly just never paid them back and ignored all the letters etc. I know that was a stupid thing to do, but…
-
what happens to debts if person dies?
i am 65 and was left with debts of 52k when my husband died. he took out secured loans on the house which i cleared after i sold the house after he died but due to recession and falling house prices did not raise enough to clear the unsecured debts of 33k. these debts are all on a debt management programme with paylink. as…
-
£100k debt in 7 years
Hi guys, I am posting here for a friend.... Here are some background details...
-
Being debt free is now a reality!!!!
Hi, just wanted to let you all know that i got the confirmation today that my DAS has been approved (even with all the hassle i had for HBOS they have agreed) and now in 8yrs and 2m time i will be debt free. It feels excellent. I just wanted to say thank you to you all for your support and help over the last few weeks, i…
