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Please please help!!! I'm freaking out - Court Papers!!
Please help guys i really need your advice. Just came home from work to find that Sherriff Officers have been to the door and posted court papers through!! OMG what happens now- this is the moment that i have been dreading!! The debt is with the RBS (it was for our business which we had to close down) the total debt it…
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hellllllppppp!
i have £16000 on 5 different credit cards. 3 of them are 5% apr for life of balance but 2 are 18% apr and very expensive. I am only making minimum payments so debt is not reducing at all! I am only working 4 days a week at minimum wage and now my repayments plus monthly rent are more than my income! i am very very worried…
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Trying to help my daughter have her LBM
Tell me if you think I'm doing the right thing... My son is a careful planner who can save his pocket money and think about how much he wants to spend on what. My daughter is a completely different personality - spontaneous, impulsive, living in the moment. He will listen to explanations and consider reasons for doing or…
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CCA Update - More Help Needed Please
Hi guys Had a letter today from Mint regarding my CCA request. This is the bones of it: Really need your help on this one as I haven't got a clue. We have an outstanding balance on a credit card of £4600. Once we receive the default charges back this will bring this down to £400. The card was Mint and was being dealt with…
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Credit Check - without Credit Card
Hi guys, First post, so apologies if this is in the wrong place, I did take a look around first! I need to get a credit check with somewhere like Experian, however, they need you to enter credit card details to do this. I dont have a Credit Card, havent had one for 3 years. I have bad credit, though. What can I do? Thanks
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Which letter shall i use?
hi guys, i've recently sent a statute barred letter to 1st Credit and have today received a reply from Mackenzie Hall asking me to contact them to discuss this further. Of course i'm not going to contact them and i've been told that i need to write a formal complaint letter. National Debtline have a letter and so does…
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Learn A LOT from you - my SOA
We bought a house last year and had put all our savings into the house. Since then, we have been very tight with money. I have been lurking here for long, long time. Boy, I'm glad, I did. I have learned so much from you guys :T Statement of Affairs and Personal Balance Sheet Household Information Number of adults in…
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Hsbc
Help!! I have having huge problems with HSBC so need some advice if possible. I started a DMP in December 2009 and have been making payments to all my creditors since then. Northern Rock and Barclaycard accepted the offers straight away but not HSBC. My debt with HSBC amounts to about £12000 - this was for a loan, one…
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Letter don't know what to say
Hello Have telephone appointment with CCCS next week, have cancelled all of direct debits now and in process of getting new bank account. Have to write letter to all of our creditors, advising them we are entering into a DMP with CCCS and please accept token payment etc and can they please stop all interest - anyone have…
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Money makes the world go round and my head spin with it
Hey everyone :) , So me…I’m 23 yrs old living with my fiance and have nearly £13,000 worth of debt to my name. This may not seem a lot to others but to me its everything. How I got myself into this is easy…. car’s, holiday’s and shopping!! I come from a family of hard workers and harder savers…mum say’s she’s not sure what…
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credit card debt worries
Hi, I have been advised to stop paying all my credit card debt due to finacial hardship, but I am scared of having countless ccj's against me. I own my own home with NR, we are on the svr as the fixed deal came to the end, and NR wont let us remortgage with them. We cant find any company that loans 90%, which is what we…
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The unborn baby and my £20,899.96 Debt.
Hey Everyone, As you can probably tell from the title, I have just found out that my partner is expecting our first child; which we are both seriously chuffed about, however it has brought around a whole lot of challenges that I have never addressed, until now, or so I hope... the main challenge that awaits me is being…
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help me see my overdraft as debt
Firstly i DO know it is debt but currently i am living in my overdraft, with no bills at all it would take 2 1/2 months to pay it off. i live by a budget and in theory i can pay off around £400 a month which would get rid of it pretty quickly, however heres the problem i see that £400 as spare money and sometimes it does…
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Question about lowell..
Hey, My other half just got a letter from lowell financial about a debt of 244.00, She aknowledges the debt which is fine no problem, But when i do pay this off asap, as it not a massive balance, Do they add interest or hidden charges?, plus who do i actually pay lowell or shop direct?. If im happy and i am to pay off this…
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Moorcroft advice please
Hi folks, well, its good news I think - I made them an offer for full and final settlement at £300 in December, my offer was valid til the end of the month. Moorcroft arent the quickest and have only just got back to me. I KNOW I should have kept the £300 by for the extra 2 months til they got round to me but I didn't as…
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Full & Final settlement help please...
Hi, Im new so please be gentle! I have been in a DMP for around 4 years now but hopefully soon will be in a position where I can clear the majority, if not all of my debts. My biggest creditor in an AA Loan I took out in 2005 for the sum of £9,000 for a term of 7 years. I think it was around a year later than I couldnt…
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I need help please
I having a debt collection agency hasseling me for money from my daughters old nursery that she went to over 2 years again. They sent me a letter about a month ago asking me to contact them to pay outstanding balance of £2500.00. My daughter left this nursery around over 2 years ago and I was knew i owned them money but…
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tax on a second job?
have just agreed to take on a second job ,to help my partner and me cope with our finances .Im a full time student ,work part time for NHS and i am now going to take on a second job ,just wondering if anyone knows how much i would be taxed on a second job ?
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Just lost my job :(
Well only had the job 3 months and been laid off, really gutted. Don't think it will be easy to get another job as I don't have a 5 year soild work/school history. Heres the problem I have 2 debts (listed below) along with 3 direct debts (£90 car insurance, £30 T-Mobile - Dosn't end till March 22nd and 3 MobileBB £30). I…
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Help and Advice Needed
Hi, I am in the process of preparing letters and statements of income and expenditure to send to my creditors. I was just looking for some advice/experiences people have had when making payment offers to creditors. I am really worried that what I am going to offer then is too low compared to the level of debt. I hope that…
