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argos and moorcroft debt recovery....
Some might of read my other thread but to cut it short, i had some real big finacinal difficultys last year but now thats all over im going to try and pay my debts of so... i got an argos card last year and suddenly was not able to afford to pay it back so now i have a debt of £300! this has since gone up to £363!! the £63…
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Finally debt free...a message of hope to all MSErs!
Hello All, Finally...on this day the 17th February 2010...I, Bungle...Jemson...am debt-free! :D In 2005, I owed over £24,000 in unsecured debt. Now, I owed nothing. I am completely over the moon and feel a thousand weights have been lifted from my shoulders. Although I'm not technically debt-free until the payments have…
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Halifax
I have been in arrears with them for a couple of years regarding my overdraft, had around £300 in charges added on as well. I cant find who is dealing with my account. Anyone had any dealings with halifax and will they help?? Im currently at Uni and im struggling a bit
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Phone Call from Sky
Just recieved a call from Sky asking for me by name, and asked me if everything was fine with our tv, he then asked me to confirm my address, and phone number, which I did! He then asked me "if I have debts that I am struggling to pay each month" I said to him "Is this really Sky TV?" to which he replied yes! so I said…
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Pay Debts or Get Married?
So this is the question I’ve been trying to answer but I just don’t know what to do. My partner of 9 years asked me to marry him last October and we have been talking a lot about planning dates for the wedding and are hoping to get married December 2011. We’ve decided we want to have the ceremony and reception all in the…
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Past Due Credit Solutions...any one heard of them
Hi there ...anyone heard of Past Due Credit ...im on a Dmp with Payplan but 2 of my creditors havnt accepted yet so im presuming its for one of them but just not sure who they are connected with Any advice would be appreciated x
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Ive had my lightbulb moment :(
Hi all, Well i've well and truely had my lightbulb moment. It may not seem high debts compaired to some i've seen on here, but as im not working at the moment (not for the want of trying to find a job i may add) I have had a very rude awakening this morning. Being out of work for the past year, I've had to alas do…
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Going to do a DMP debt mostly in my name how will this affect my wifes credit rating
Hi There still plucking up the courage to take the plunge. If i go down the route of a DMP for our debts which are mostly in my name how will this affect my wifes credit rating? Will she still be able to obtain credit - or get a mortgage if we wanted to change our mortgage? Any help would be appreciated. :beer:
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Extra Income, starting a PC repair business (evening and weekends)
Hi, Anyone had any experience with this? (sorry if this is in the wrong place) I'm looking into starting a small PC repair business, just about to order a few books on this but would love some real world experiences, I work full time (in ICT) and this would only be part time evening and weekends fixing home pc's to try and…
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sky sports
Hi Just looking at things to cut back on and I do spend £25 a monh on sky sports. Now I only watch football, so always cancel in May when the season ends. I am now actually thinking of cancelling it on a Sunday and getting it back on the Saturday and doing this every week, but I do know I pay for it in advance so how will…
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A brave step
Hi Ive been lurking round this site for years. Never posted. Just read articals/posts, found discount codes, looked for advice etc. Finally I feel a deep sense of relief as after reading all your posts and suggestions and support for others, I have faced my financial fears. I have calculated that we owe £25,679 on various…
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Statute Barred
Hi all I'm new to the forum, well, only just registered but used the forums alot for information in the past. I recieved a letter at the begining of Jan from Philips Specialist Bailiff and Debt Recovery for a debt from many years ago, I have recieved letters in the past from Lowell regarding the same debt. The letter also…
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Unenforceable Loan
Hi there With regards to unenforceable loans I have just started the process and am up to the CCA dispute letter with the Natwest/RBS. Their collections deptartment keep phoning my home,mobile emailing me several times a day, so far I have managed to avoid them but would like some advice as how to play it. If I do speak to…
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Barclaycard help/ default advice needed please
Hi all, Just a little help and advice please. i have just entered my DMP this month. My 1st payments have gone yippee and am beginning to heave a sigh of relief until i spoke to BC. I haven't received any confirmation of acceptance of my DMP but my statement online has the new reduced amount as the minimum payment. The…
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Daily Chat 17th Feb - And I, the lurker is starting it!
Good morning everybody Peeps! Can't believe I'm going to be starting todays chat thread!! :j
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Help please !!!!
Right basically we moved abroad in August last year. We left behind debts of approx 15,000 between us but thought we could keep making the payments. How wrong !!!!! We are currently caught in the fees/no money/no payments being made/fees/no money/no payments being made loop. Today 165 pounds of charges were taken- but that…
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Wednesday 17th 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…
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Please Give some advice
I got myself into alot of debt when i was younger as in i took out some loans and a credit cards etc... I built up a total of about 18grand. I got in contact with a company called BDO who then made me sign a bankruptcy type form (sequestration). I have since moved house a few times and have not heard from this company…
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Refused Bank job due to ccj
Hi, Recently applied for a bank job and passed the interview, I got a call a few days later to tell me I they found a ccj I hadn't declared and because of this could no longer offer me employment. I had no idea about this ccj, I called the court and found it was a company which I got a loan with years ago. They had issued…
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experian showing six no payments
If its wrong can they be removed, i currently have a complaint going through with british gas. Infact i have had a nightmare with them, i moved house in november and they have me down as missing six payments, i paid in november and january so how come its showing me missing 6 payments?
