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what would happen if you increased a provident loan
two days before you were to do a debt relief order?
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payday loans
HI TO ALL, New to this so please excuse me, We have completed the paperwork on a DMP two days ago,the first payment to creditors begins 19/02/10 but the most pressing problem will be with 3 payday loans wonga 300 payday express 600 wagedat advance 393 These are due for repayment on 19/02/10 however as i have given up all…
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Confusion with MCS and Equidebt...HELP!
I am scratching my head over this one. I have a credti card debt of about £4k through HSBC which I defaulted on a few years ago and it went to MCS who chased me but I failed to respond, it then went to Equidebt who I am dealing with at the moment over some other debts but when I spoke to them about this one they have said…
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you have been served a notice
didnt know where to post this, if it is in the wrong place i apologise. also this will be quite long but please bear with me. in september 2005 i took out a hp agreement with landrover. drive the car for 3 years and then give it back or make a balloon payment. the agreement was based on 36k miles a year. i chose to return…
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HSBC credit card
Due to me being silly with money a while back I went on a DMP which I have successfully stuck with for 2 years now. One of the debts that is on the DMP is for a HSBC credit card which was maxed out at the limit (3k). My DMP of course has been paying a share of the payment each month to HSBC for this credit card, on the DMP…
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Help Please! Equidebt and sickpay..
Hi Guys Last year I had an accident and was payed full for the first couple of months and able to pay off my overdraft and egg credit card, which put me in a much better financial position. I still have to pay off my Mint card, and now a charming chap from Equidebt is phoning me. They are asking me to confirm details over…
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Debt Collectors Chasing for a Debt I Didn't Know About.
Morning All, I'm new round here and apologies for starting a new thread. I have tried searching for a problem as my own but couldn't find any the same as there are so many! About 4/5 months ago I got a new job which involved me relocating and as such, I decided to cancel my gym membership. I went to the gym to complete a…
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***frosty friday's daily chat ***
Lordy, you have to wonder what I'm doing up at this time ....barely conscious! Off to see the electrician at the new business centre to sort the light out - find the off switch! At least the A19 will be quiet. Have a good day peeps. Remember its nearly the weekend......and travel safely yo travelling contingent. B
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Fri 12th Feb - What Small DFW 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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Discounted settlement figure but what about credit file?
I received a letter this morning from Santander offering me a 50% discount to settle an old outstanding overdraft which I took out with Abbey. There is a chance that I might just be able to scrape this amount up before the offer expires, however, when this deal was offered before by Abbey as it was then, they told me that…
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Struggling to Clear Debt - Any Advise please..!
Is there anyone out there that can help me with advise on how to get rid of my debt without getting into more debt? I got married 2 years ago and I never told my husband that i had loan amount £12,000 I maxed out my credit card of £1000 and overdraft of £1600 which by the time i get paid i'm already into my overdraft. I…
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what are acceptable outgoings - dmp
All I am shortly to leave CCCS and self administer my DMP, as I wish to vary payments to certain crediotrs and I dont have this flexibility within the dmp I have been advised on here that creditors may well ask for resubmission of Incomings and Outgoings etc etc. Is there a fefinitive list of what is likely to be deemed…
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CCJs and other things.
Just about to start my DMP with Payplan, 45k debt paying £700 a month. Three things bothering me. Have heard unless you pay at least 1% a month creditors will consider a ccj against you, is this true? One of my debts is a very recent balance transfer, does this make a difference to the creditors reaction to a DMP? Can a…
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Help with Roxburghe??
Hi I posted a thread a few weeks ago about a letter which DH received from Roxburghe about HFO Limited http://forums.moneysavingexpert.com/showthread.html?t=2239391 We sent the prove it letter by recorded delivery the following day, we have now received another letter saying that due to receiving no response from him they…
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Can I up a payment to only 1 creditor?
Just a wee quick question - can i up a payment to only one creditor? I have received court papers for one of them and they have said they would accept an increased payment of £50. So my dilema is do i go to court or up the payment? I dont know if CCCS will allow this but i really do not like the idea of going to court. I…
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Credit Card Debt Advice
Hi guys, I'm after a little advice from your experience if possible. I currently have some debts which I need to overcome, they are as follows - Egg Card - £2700 Virgin Card - £2800 TSB Card - £1100 The Egg Card is interest free but that expires in April this year whilst the Virgin one expires in September this year. I've…
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Wescot did they trace me ?
I have several creditors that I am repaying (All with debt collection agencies) and have been now for several years without any problems other than the regular reviews. Then on the 29th Jan I had a credit search done by a company called Target, they turn out to be a tracing company. Now today I get a letter from Wescot for…
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Opinions needed please
Hi, this is my first post so I apologise if I have made any mistakes, a few weeks ago I found out that my wife has got a few debts which have remained constant over quite a few years. Some are catalogues, 1 is a credit card, and 1 is an overdraft. We have sat down and worked out a way to pay off the debts asap, we have…
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Letter from Chantry Collections
Hi all, Hoping you can help with this one. I have recieved a letter from a company called Chantry collections (dated mid Jan) which was adressed to a flat that I left in September. They are advising that I owe them £810 but the letter fails to mention why. They are also stating that they have a "January sale" on and that I…
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has any one gone fown the Self Admonistration road?
we have been told that self administration/pro rata payments are an option for us. we have £75 000 unsecured debt with a surplus of £660 per month available. How does this sheme effect your credit report? I may need a re mortgage within next few years - will this be possible? My wife is self employed with no accounts -…
