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RobinsonWay - Next
Hi All, Hope you can help me. I have an outstanding account with Next. It’s currently held with Robinson way. I have checked my credit record and I have a default against me for this account and it way defaulted by London Scottish Bank on 15th May 2006 as I could not afford the minimum payment. I started paying this…
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Full and Final Settlement
Hi, Was wondering if anyone has had any luck in getting reuced full and final settlements? I am being let some money from a friend to pay of some debts and the working it out to pay each debt copmanys the way CCCS told me too. Thing is when working it out some of the companys will only get about 25% of what i owe them does…
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Barclaycard need to hear from `recognised` charity before accepting payment offer...
Hello all , thoughts welcome...... We have started our own DMP last year (Nov) , Barclays are by far the least helpful but anyway , we owe £6300 on a CC with them , i have requested the CCA from them (to try and enable us to pay how we can and on our terms ) and they sent a disputed copy and we have sent the dispute as…
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Recently Enlightened Newbie
Hello all, I have been a lurker for some time , but at the end of 2009 I faced facts and realised the debt problems could go on no more. On January 1st all my creditors got the minimum payment and Payplan took over! Its a frightening thought when you finally tot up all the monies due. Our debt stands at over £23,000 and is…
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Central Debt Recovery / HSBC. Please help!
Hi, Although I've trawled the internet, I can't seem to find any answers - I'm hoping someone here can advise me as I'm at the end of my tether :( I had a business which I'd had for 10 years but it went badly wrong about 18 months ago when the recession began to bite. To cut a long story short I've racked up to credit card…
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Our Soa, Shocking lbm, What on earth do we pay first?
Hi all, We have reached desperation point at our wages being swallowed up in debt by our lack of budgetting, laziness and ignorance. Having now faced up to what we owe, we are desperate to clear these debts, I am stunned that we have let it get to this stage. We got married two years ago and in order to pay for the wedding…
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Handling bailiffs - do I have to pay everything?
Hi everyone. This bailiff arrived at my parents' house looking for me and scared my mum a bit. Now I'm wondering how best to deal with him. Could I have some advice? Here's the story: I'm a bit scared by this bailiff I have chasing me. A few months ago I was issued a fine for £45 for cycling on the pavement from a…
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doing my own DMP need advive
I have been doing my own DMP for 2 years now ,i was with CCCS at first but then went on my own i just kepted paying my creditors what CCCS had been paying them .Everything has been going smoothly but the problem im having is my creditors get in touch with me some every 6 months ,tsb every 9 months and they always want me…
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Credit cards finally outed - huge APR's!!
Just seen a report on GMTV, they are reporting that credit card interest rates are at an all time high when the bank rates are at an all time low. On the same report it stated that Barclays had had bumper profits - funny how both things are linked.....:rotfl: I tried to get the interest rate on my own MBNA card reduced…
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Tuesday 16th February 2010 - 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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Ideal Debt Solutions
I've been very naive and think i've been tricked by this company. I'm self employed and like a lot of small businesses i'm struggling with debt -£30,000 in total. On the advice of National Debtline I completed income & expenditure forms and wrote a letter to all my creditors explaining my current situation and my proposal…
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**Pass me another pancake - Tuesday 16th Feb - Daily chat**
Morning all, Hope everyone is well this morning and those who went to the party are now fully recovered?! Got a stash of pancakes to take to work, with lots of goodies to spread on them. ;) Have a great day everyone. Hugs, cx
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charging order v restriction
help, i have split with missus, there are 2 charging orders on house, but with being joint names could be restrictions, she has offered to pay both of if i sign house over to her circa 14 k, equity in house 10k so not bad, but i lose my house, still ok as will rent for while, does anyone know if creditors will accept…
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Aktiv kapital
Help required i have aktiv chasing me left right and centre, i asked for proof that the debt was mine, kmowing it was, but never paid for yonks, on one occassin they sent a copy of statement showing last payment mmade 8 yrs ago, is this statute barred anf if so how can i stop them hounding me
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HELP - How long can I stall...
:oGood evening all, Please help, was feeling like I was in some sort of control and its all gone to pot.... I'll try and keep this short and sweet: £23,860k in debt, spread over a variety of c/cards and loans Set up my own DMP after calling National Debtline - filled in their SOA. Income (after tax) £1558, money left for…
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A little bit of sunshine in amongst the dark clouds of debt!!!
Just to prove there is always a little thing to smile about in amongst this awful debt situation- I started to ring some companies today to change over DD's into a new bank account and I had a couple of lovely surprises!! I asked BT if there was anyway of lowering our charges- we seem to pay an awful lot for our monthly…
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No more buying clothes for at least 1 year thread
or preferably til what I've got is worn to threads. Anyone joining me?
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Welcome finance
Hi I was wondering if anybody can help me Im currrently on a DMP with my local c.a.b, I have a car finance with welcome finance and i have payment plan with them for half my contractual amount whilst on my dmp. However they have now cancelled my H.P agreement due to me defaulting on my full contractual payments for the…
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Need serious help, feeling really low!
I started a DMP last year and so far it's been an absolute nightmare. I'm really glad I started a DMP, I just wish I had done it a long time ago, however everything that could go wrong has! First of all my boiler packed in and I had to pay to have it replaced as I didn't want to take anymore credit (I wouldn't get even if…
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Scary stuff
Anyone in Wales just been watching The Ferret(a watchdog type of programme)Anyway caught some of it between running back + fro to dgd7 + dgs3 who are staying the night.A woman had refused to pay £2,800 for her double glazing as it was faulty so they took her to court,which she didn't attend the judge issued a bankruptcy…
