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Pay off 6K in 9 months...loan?
Hi everyone on this board :) I've been informed that you are very nice people and not scary, so I've come to ask for advice please :o We had some bad times a while ago and stupidly put off paying our nursery fees for a while, which built up quickly; I had lost my job, and was trying to find another without taking the kids…
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At last I can pay my pay loan debts off
Due to a lottery win last night (Yipee) I can pay most of my pay day loans off, leaving me with the interest I was paying to throw at my other debts. I slept so much better Michelle
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Thursday 11th Feb - 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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Payplan - Am I doing the right thing?
Hi All I have a quick question. I've been with Payplan now for quite a few years and I still have an outstanding balance of £6927.44 which I'm paying at £106 per month. To be honest I'm struggling to pay this much as my partner isn't working and can't claim benefits (we recently got married and she's a non UK citizen) so…
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○•○•○ Thursday 11th Daily Chat ○•○•○
Morning all Snow day here today :T There's about 8inches out there so the town has ground to a halt. What's everyone else up to?
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Disputed Utility Debt
Hi All, I have received a 'Final Notice' from a third party debt collector, demanding payment for an unpaid utility bill from a shared house I lived in several years ago (I have never received any contact from the utility company themselves regarding this). During the time I lived in this property I paid my share of the…
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Credit report mystery
Hi I was hoping someone would share their wisdom with me to give me some clue as to what is happening with my experian report. I have checked it three times in the last four months. The last two times (october and january) all my credit agreements have been listed present and currect. Today my report only shows two…
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Card help needed
I am retired and have a total income of only about £250 per week. I would not have a problem with managing on this, but I have 2 credit cards with different banks which have a total of £6,500 owing on them. This means that I need to pay around £50 a week in repayments in order to reduce the amounts owed, and I find this…
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Where do we go? What do we do?
Hello , I've been searching through the site over the last month looking for help..so have decided to put a post on here to see if anyone can offer some advice. My partner was made redundant in August 08 and received a small redundancy payment after 30 years with the same company( the company went into liquidation) he…
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default questions
hi i am on a dmp with payplan today recieved a default notice from mbna, what will be their next step they are saying they may take court action any advice please
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Help needed with Bank Charge Debts
Hey Everyone, I'm looking for some advice. Recently Westcot Credit over a debt from 2007 Basically I had a basic fles account with Nationwide which had a direct debit charge on it for an unpaid direct debit, I cleared the amount of the direct debit but refused to pay the bank charge as it was when the whole bank…
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Over Paid salary
Hi Advice needed. Got head hunted back last june '09 to go work for agency that worked within my company and they offered me a job at higher rate of pay and promised lots of training etc. They told me there were lot's of oppurtunitys for extra training and progressing to higher level's etc I took the job and after 2weeks…
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Help
I am about to lose my job next week and need to reduce my outgoings by reorganising my financies, i have two loans =£10,000 and my mortgage is £100,000 what would be the best way of doing it ? i have a repayment mortgage. desperate
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capquest
Can a debt recovery co legally buy a debt from a card company & demand payment when I haven't heard anything for years?
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Debt Managers LTD
they have written to me saying that it might be possible to get a reduction to a Next account in order to pay the balance off and close the account. Not heard of this company before so havent made the phonecall as yet because i needed to investigate via mse forums about them. the posts that came up in the search werent…
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how do i find out if my debt is statute barred?
Hi how do i find out if my debt is statute barred? I live in Scotland and I am sure I havent paid anything in the last five years and definitely not admitted to the debt in writing. The debt was orginal with HBOS and now is with lowell, there is not any default on my credit file regards this debt. Any help would be great…
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HELP! I've just lost my job
I've lost my job and my wifes wage doesn't come close to paying our debts. What do I do?? I owe over 30k and was managing ok but have just lost my job after 17 years and haven't got a clue what to do. I will probably be able to make my next payment on each of my debts but if I don't get a job straight away that will be…
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Its amazing how better you can feel after one phone call
Well Ive done it, Ive phoned CCCS, after all the advise received on here - I think this is the best way for us to go, after chatting to a really lovely man at CCCS we have our telephone interview next Tuesday. Still very scary though. Now I have to cancel our direct debits, have applied for a new bank account, scary part…
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home working opportunities
http://www.work-web.org/workonline/ Anyone heard of this kind of thing? im skeptical because of having to pay to get membership if you like?!?! any ideas??
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Loan not signed or dated. Sorting finances out
We are in a bit of a pickle where finances are concerned. The good thing is at the present time we are still able to meet our bills and hopefully in a couple of months hopefully start to make larger payments to clear things quicker. Upon going through our paperwork today its the first time I have noticed that my husbands…
