-
I just don`t know where to start......can anyone please help?
Hi, I hope this has been posted in the relevant section......i would like some advice please if that's possible, as i just don't know what to do any-more. I feel like my whole world is caving in around me, and coping with it is becoming just impossible. To cut a long story short......... i had a mortgage until June 08 that…
-
Egg address
I'm in the middle of writing my letters to my creditors advising them we are dealing with CCCS, and for the life of me I can't find an address for Egg to send letter too, everything we do with them is through email. Can anyone help. Thank you
-
DMP start date
We have our telephone interview with CCCS tommorrow morning - I would like to know if we can defer our DMP start date to the 01/05, the reason I ask is, if I send token payments to the larger creditors for two months - I will have enough money from not paying the minimum payments to them to pay three of the smaller…
-
bank loan--statement
i asked for a monthly statements for loan lloyds(blackhorse) told on phone they dont do them are they required by law to send one if asked
-
Thank you everyone on this site
Hi, I began looking at this site on Boxing Day 2006 (my LBM) when I was in an absolute state about how I had got myself into so much debt by the age of 23 (at the time). With a reasonable job I had lived well beyond my means for a while (throughout uni and since) and had racked up a £2500 credit card, £3000 credit card,…
-
Reassured
I posted on the credit card forum the other night (depressed out of my skull) about the amount of my debt and was redirected here. Since then I have looked at a lot of the posts and am reassured that I can and WILL be debt free and as soon as 2014. I feel really enthusiastic about what lies ahead and I know that the "light…
-
Welcome finance
Hi Any help would be much appreciated My partner & I have been on a DMP for the last 10 months with our local CAB. All of our creditors have accepted our token payments of £1 a month. When my S.O.A was done the CAB contacted Welcome Finance on my behalf as I could no longer afford my contractual payments for the H.P…
-
Weekly Spend Challenge W/C 14th 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.…
-
What would the actual APR be?
I have tried working it out but can't tell if I'm right or not... I have an od with A&L who charge max of £5 a month on a £350 od. Just wondering what the apr would be if you assume the od is maxed out each month? I've almost paid it off but wondering whether it would be better going to a cc or something with higher…
-
What happens to your debt (with DCA's) when you die??
As the title suggests really!! Does anyone else have to pay them? What if the house is in 2 peoples names?
-
Freddom of Information
Hi Is it possible to us the freedom of information act against finance companies to gain information such as complaints received, complaints upheld and compensation paid etc?
-
Worrying situation
:eek:Never been in debt, all my payments are up to date but am finding it increasingly difficult to manage despite cutting back on 'general spaending', e.g. no newspapers or mags, never eat ot drink out, shop only for essentials. I have £2800 of debt which is up to date but am finding it very difficult to make the correct…
-
Finally debt free - but worried about slipping back into old habits!
I had £16k of debts and after my grandfather passed away, he left me an inheritance. After being in debt and surviving on paying minimum payments fo the last 4 years, I am finally debt free and have a sum left over. The only thing is, the oher day, I found myself using my credit card - I didn`t even think about it - just…
-
What will happen to us now?! Help!
Hi there, we found ourselves in the unfortunate position of husband retraining as a driving instructor (self emp) and me giving up work to have 2 children (only 18mths apart!) and hubby's job not going well and getting into debt... it seems I commited the cardinal sin of taking cash ad on our cc's to put the cash in our…
-
Why is British Gas Trading on my credit report?
Apologies if this is in the wrong place! Got a copy of my Experian credit report yesterday and I have an entry on there for British GAs Trading. I can only asume that this is from my most recent bill that I was a few days late in paying?Other than that I've no idea why its on my report Are British Gas known for doing this…
-
Please Help Me Out, Im Lost
Im 28 and got a horrible feeling that the whole world is against me, then i see people here who are all going through the same. Short of running away and joining a cult i dont know what to do! Heres my SOA Household Information[/b] Number of adults in household........... 2 Number of children in household......... 0 Number…
-
Taking Control - but still need advice please??!!
Well after posting my previous thread where I didnt know where to start or what to do I finally told my DH that enough was enough and he couldnt bury his head any longer..I was TAKING CONTROL :j I used the tools on the National Debtline(which is fab) and did a personal budget sheet to work out pro-rata payments to…
-
Pre-payment cards
Dont know if this is the correct place to post. Iam going to Spain for a wedding and Iam wanting to put my savings for the trip onto a preypayment card which I can use at cashpoints abroad. Can anyone recommend one please? Thank you in advance x :A
-
Robinson Way Ltd/Moorcroft Debt Recovery
My son and his partner have received letters from the above mentioned companies. The letters both relate to money owed to United Utilities. The Robinson Way Ltd letter relates to a previous address my sons partner lived at and is for £901.94:eek:. She never paid or received any bills from United Utilities when she lived at…
-
Oh Poo
Oh Poo I’ve done it again.:o Well not even really again, I never got away from it. I am in Debt. I’ve used this site before, a few years ago and I think I am now in a worse state than ever!! Slapped wrist and tellings off all accepted. And I need the help of you lovely people again to help me get this under control and…
