-
DMP, Consolidation? What would be best?
What exactly is a DMP? I have been pestered by a company called PayPlan, who apparntely give out free advice. If they do, how come they are constantly bombaring me with emails, calls, letters? Who would i be best to talk to regarding my 2 credit cards and 2 unsecured personal loans which total £14k? I'm in desperate need…
-
County Court Judgement
Hi I recieved a letter from a solicitors that had been forwarded from a previous address stating that I owed £521.67 to a company in America Arrow Global LLC.This is the first I have heard of this company and have certainly not had any dealings with them. The solicitors were Bryan Carter & Co in Weybridge. I wrote to them…
-
harrasment from debt collecter
hi ive just joined the forum ive had a lot of debt over the last 5 years but got myself on top wasnt easy got intouch with all the debt collection companys and sorted it paying so much a month trying to get on with my live getting married next year. right out of the blue a few days ago starting getting phone calls but…
-
CCJ - CCA - Interest?
I CCA'd MBNA in December - no response. Now I've received a claim form from Restons solicitors. I'm happy enough to pay what is outstanding, but I see in the Particulars of Claim section there are details of the claimants interest charges - together with 'interest pursuant to s69 County Courts Act 19 at the rate of 38.10…
-
How much debt were and are you in?
My husband and I have recently faced up to and started to deal with our enormous debt (we thought we had around 6 months ago but we didn't really get it and it unfortunately took a bit more spending to get to our lightbulb moment). Having seen other people's signatures it would seem that our debt is worse than many…
-
DMP and balances owing
Hi there, I've posted a few times about my situation in the past, but have chronic health/ disability issues that seem to hamper me when I start feeling confident and able to cope with being more active - but I figure that if I am feeling that way I should try and do something proactive about my debts. I am on my third…
-
Overtime guaranteed
Hi i have guaranteed overtime for as long as i want so this means I will have a extra £250 to throw at my depts which stands at the moment. Abbey loan 8668.71 @ 7.90 pymnt £264.97 to run for 3yrs 1mth N/Rock 4883.04 @ 5.70 pymnt £287.24 to run for 1yr 8mth barclays 4002.66 @ 6.9 pymnt £95.00 till clear Credit card 1…
-
Advice
Hi, I'm in a spot of bother totally self created but now i don't know what to do. I was off work sick for over a year and in 2008 i went back to work but i had all this old debt hanging around my neck so i approached Payplan and got a dmp to pay off over 10,000 pound debt, I changed my bank to lloyds who gave me an…
-
advice
Firstly, this site is a life saver. Was at a real low point with £38,000 of unsecured debt and to tell you all the truth, I felt like ending it all. Reading about other people in the same position and the help and support you guy's give to everyone has changed my thought process into one of positive thinking. As one lady…
-
newbie with ideas
hey first post in this section, i currently have 2k of debt but have worked towards reducing my outgoings. i have quit the gym and put a punch bag in my garage and got a bike to take to work so am still in shape, i am trying to change to a credit card with a good balance transfer rate with no avail. i get my stuff for…
-
credit card provider transfer
looking for some good advice on weather my credit card company has acted illegally or not . My original credit card agreement was with Marbles but they have sold my agreement to to Aviemor Funding limited. At the time of the transfer the interest rate was 21.9% it was then increased to over 31% by the new lender, I…
-
Welcome Finance settlement
Hi all, Just looking for some advice. I took out a loan in 2007 with Welcome Finance for £750.00 and then a further top up loan of £450.00. ( I was desperate and had exhausted all other forms of lending). I pay £160 a month to them and although I pay monthly religously now, in 2008 I missed a few payments. I have just been…
-
'Savings to pay off debt'... MoneySavers wisdom please!!
Hi MoneySavers, I wonder if you can give me some reassurance/advice/support about my financial position regarding debt/savings etc... Debt-wise, I am running close to my £1,500 overdraft limit on my HSBC Plus current account, and am about half way through paying off my £2,000 2-year loan. So I'm about £2,500 down I guess.…
-
Cheap holiday ideas anyone?
Hello! Right, so i've been trying to plan some time away this year. I'm single (unfortunately :cool:) and all my crazy friends are married with children. So my only option is going away on my own. I'm ok with that, BUT I want to do something that is fun, with not too much solitary time, maybe some sunshine and most…
-
**Hump Day Daily Chat****3rd Feb
Morning all... I have gone from not being able to sleep to sleeping for England. I fell asleep during Eastenders last night. But its good sleep not exhausted sleep like I used to feel. Busy day today - into the office to pick up some work and have a chat with the other girlies....then off to gym and then got to do some…
-
Wed 3rd 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…
-
Reality bites
Dear all Looking for some advise on how to extract myself from the mess that myself and my missus now find myself ourselves in. Cut a long story short, we have been living beyond our means for a long time now, and never really cared for getting ourselves straight or keeping an eye on the amount of debt we were accumulating…
-
5 years since default...company chasing now!
Hi, I took a 12 months phone contract in early 2004, but unfortunatly I had to leave the country due to home office refusing to renew my visa, so I left the UK in January 2005. at the time i was under a lot of pressure from everywhere as you could imagine and the phone contract was not really my top priority. I didnt…
-
Daily clicks
Heya I keep seeing this in the threads as a way to make some extra pennies, but I have no idea what it is. Can someone help me out please :) Thanks
-
Feel like throwing the towel in.
Hi guys I don't post very much but, I come on this site every day. Please don't bollock me, I'm feeling low enough as it is. Me and my boyfriend of 30 years have struggled all our lives. ( He's 53, I'm 50 this year.) We bought our council home in 1988 and have brought up 5 lads in it, only one left at home now. :j I've had…
