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Lloyds TSB uncooperative with my CCCS DMP
Hi all, Just need to vent!!! I have a CCCS DMP and have been managing my debts for nearly a year now. I have paid off my Barclaycard and knocked lumps off a Barclays Loan. However, My Lloyds TSB Overdraft is not shifting - For illustration it was £2010. And they are getting £43 a month of my DMP Heres why - It is a Gold…
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Debt free in 11 months using loan? Advice please!
Hi All, My aim for 2010 is to get debt free. I am down to 10,000 now and hopefully will get rid of this in the next 11 months and would like some advice on how to do it please. Here is my debt: Loan 1 £1630.02 7.9% and last payment is Aug this year Loan 2 2666.64 11.9% last payment Aug 2011 Card 1 3650 Card 2 1573 Total…
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Creditors refusing to deal with me
I have recently become unemployed and unable to fulfil my contractual agreements with creditors due to only receiving JSA. I have written to creditors explaining the situation and some have been fine and put me on a debt management plan of my requested £1 per month. However, others (Santander, Capital one) have refused to…
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Please help with letters
Hi All, I have received my Credit Record. I have a default on there from cashnetusa (quick Quid). I received a letter from a collection agency who I worte this letter too After recently obtaining a copy of my credit file from Experian I was concerned to note that your company has placed a "Default" notice against my name.…
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LOL at CCA request
I requested a CCA request from a DCA. They sent me back a very poor application form, with no prescribed terms on it etc. I sent them back the "Account in Dispute" letter. They then send me back a letter saying "the debt is enforceable" and "the proof of the debt is that the account has been opened, and you have run up the…
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Aargh massive overspend each month
Hi Hope someone can give me some ideas, just completed the budget planner on here and things are much worse than I thought. I am going to have to have a long hard look at my finances but am hoping someone on here can give me some pointers as well. Thanks Becky b]Statement of Affairs and Personal Balance Sheet[/b] Monthly…
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Credit agency, default but paid off
Hi, Haven't been on here for a while!! I had a debt with Natwest which I agreed to pay monthly which was paid by standing order, when they called me to have a review I said that nothing has changed since last time but the lady on the phone didn't like what I was saying and said that if I don't comply then she will pass…
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DFW: Debts vs Mortgage
Hi, Currently repaying a £20k loan (interest free) at £230 a month (7.5 years to go) Mortgage statement came the other day, £77k to go, repaying £505 a month @ 5.2% (fixed till 2012). 19.5 Years to go. I've found myself in the position of having £150 a month available to put towards one of these. Whats the best way of…
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what's your dealing with debt tactic?
Just wondering what everyone's approach to their debt is - I guess this only applies to those who have spare money after debt payments. By 'approach' I mean do you save every penny even if it means that you cannot have any luxuries or do you allow yourself some luxuries even if it means that the debt misery will continue…
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Stupid question
but is Barclaycard owned / same as Barlcays bank? I need to open a new bank account away from all my debt but cant open one with where I have debts (DMP) Thanks all A
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How have you been feeling lately?
Decided to make this thread and have a little fun with it. Post a picture that sums up how you're feeling or coping so we can SEE how you're doing. Edit: Didn't give the explanation, did i? Been paying off the debt regularly (parachute), but the gambling demons aren't letting go. I'm getting blown off course too easily and…
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What to pay first?
Hello, I am really hoping for some expert advice as I am getting v confused with my figures :o I have been targeting my highest interest rate for overpayment, but am not sure if this is the best way forward. The reason being one of them is over a very long term costing loads in interest every month even though the APR is…
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MSE News: Repossession protection plan announced by Government
This is the discussion thread for the following MSE news story: "The MoJ has announced plans that could prevent you losing your home if you fall behind on credit card or loan debts ..." Read the full story: Repossession protection plan announced by Government
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URGENT Advice needed re Council Tax
Hello everyone. My court date for CT was yesterday. As advised by CT themselves since I couldnt make repayments, they said let it go to court and that the debt department team can spread hte repayments over a longer period. I owe £1154.00. I rang them today and made a payment of £30. The man I spoke to was extremerly rude…
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I have ANOTHER final notice! How many can I actually get from the same debt?
Hi all! I'm just hoping someone can clear this up for me? I have this debt (don't we all) and it has been outstanding for the last 4 yrs (defaulted 4yrs ago). In these last four years, I have recieved quite a few 'Final Notices'. The latest one was today actually! I'm not paying it...I don't have any money too. This is…
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How do you say No to things you really need
The advise on these boards is generally pretty much the same, cut back to the bare bones, live frugally, pay off debt for umpty years and nver go back again - thats pretty much my approach except that I do end up going back again. In the past, as I've seen things developing I've slammed on the spending breaks and come out…
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Am I liable for these debts?
My son left his rented flat last September and is now sofa surfing with friends. As he has no permanent address I allowed him to use my address to receive any post. In the last month I became suspicious of two letters which arrived which he left unopened when visiting. Suspecting, rightly, that he was avoiding the issue I…
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MBNA - What a mess
Hi, Just after some advice please. The short version is this, Had about £18k on a virgin CC agreed a full and final with them for £9K and requested they send it to me in writing before I pay. They apparently sent a letter on 27th Nov telling me to pay by Dec 10th or offer withdrawn. I didnt receive the letter so chased 3…
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please help me! bad advice and in more trouble than i would of been :(
hi i am 25 years old and 18 months ago i was told by my accountant that the best option for me money wise was to ignore letters, change my number and forget all about it and eventually my creditors would make me bankrupt. as a 23 year old, petrified young man who trusted his accountant i took this advice and did exactly as…
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Thank FOOOOK It's Friday DFW Chat 5 Feb
morning all :D Off to work in 15 min, don't start until 9 on a Friday, so nice relaxing start to the day, although I did get a bit distracted and my cereal has gone soggy! Anyone wanting to catch up on some good news (not mine though - I won't spoil the surprise what it is!!) needs to check on the last bit of the chat last…
