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Amending DMP Payments
If I get pay rise while on a dmp I realise that I need to do a review with CCCS and potentially increase my payments. However do I have to tell them straight away or could I wait a few months? (bit sneaky I know)
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visit from a debt collector??
my dh is in debt and has not been paying things as he should due to various problems with cashflow. this is being sorted over the next few months. he owns a house which is rented out and lives with me but still has all his post sent to the other house and redirected via royal mail (due to laziness!!) the tenant contacted…
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Can you end a DMP after 12 months and move to cccs???
does anyone know if you can end a DMP after 12 months!?! i've been with Debt Fixers for almost a year but i'm paying a fee of £35 per month. i've only recently heard about cccs and found out that they are a charity who dont take a fee and who dont charge the creditors. i know debt fixers have had a fairly bad rap on a few…
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Help regarding a debt company please!
Basically have a £800 debt and it has been passed from the company we owed money to to a debt company. We are finally in a position to pay this debt and my husband just called the debt company to make an arrangement to pay but they refused to allow him to pay £50 a month and said it would have to go court because my…
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Zinc Group -
Ultimate Credit Services went into administration in 2009 – but one of the directors of that company has set up another debt collection agency (along with some other people) called the Zinc Group – and many of the letters they send out are headed Zinc Collections. They are effectively all part of and connected to a company…
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Any advice to help say good bye to our debt!
Hello, We have a unsecured loan with a settlement figure of £14568. A MBNA card on £3685. 0% ended this month, now 16.9%. £85 a month Mint card on £3843. 0% ended last month now 16.9% £25 a month A natwest card on £1998 at 15.9% £42 a month. I had an appointment at the bank on saturday and was refused a consolidation. Not…
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Patial settlement on CCJ?
Hello all, We have just found a CCJ on my husband's credit file that he claims to know nothing about - it is possible that the letters went to an old address - is it possible to offer a full and final payment lower than the amount showing on a CCJ?
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Hire Purchase Help and Insurance!
I just wondered if anyone could shed some light onto a problem i am having. 2 years ago i took out a hire purchase agreement with Advantage Finance (something i regret every day since!!!) I can no longer to afford the sky high repayments and wanted to "voluntarily terminate the agreement" which i was within my rights to. I…
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debt with ex, house under threat of repossession
not sure if this is the right forum and i'm not sure if i know where to start. i split up with my partner about a year ago. a year prior to that we moved house taking on a much bigger mortgage (seemed like a good idea at the time) we ad been togther over 10 years. i decided to move out and because the split was my decision…
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○•○•○ Tuesdays Daily Chatty Thread ○•○•○
Morning all Rainy and blugh here today - my mood echos the weather. A good result on ebay last night - just need to get everything packed up for posting later today (I hate that job) Was sent this yesterday and found it very apt... Real Mothers don't eat quiche; They don't have time to make it. Real Mothers know that their…
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Tues 2nd 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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Unenforcable HSBC Credit Card. Advice Please
Hi guys and girls, just a few questions and a bit of background: I have had a credit card from HSBC since 2002. I followed the advice on the Unenforcability Templates thread and sent all of the appropriate letters to HSBC. This is where I currently stand: - Requested credit agreement. - Sent reminder after 14 days -…
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Achieving A Debt Free Status
Hey guys, Just though id drop by to say im finally debt free :j Used to come on these boards about 2 years ago when i went a bit crazy with the credit cards and ended up jobless and in a mess at 19 years old. My Debt total was £5500 which dosent seem mega but it was to me when i was 19 years old and lost my job. Basically…
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One poll surveys
please send me your email address if you wish to be sent an invitation for one poll! get paid for doing online surveys and referring friends!! :j
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Pay off Cards ?
I have £3500 of debt on credit cards and £ 4000 in my isa. What is best to do carry on paying the cards off at £100 a month each or use my ISA to pay the whole debt off. Any help would be helpfull. ( The wife likes the money in the isa because it looks like we have savings ) :-) :A
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struggling to stay afloat whilst awaiting divorce settlement
Can anyone help? A close friend is awaiting the final hearing of the financial resolution of her divorce. In the meantime she is struggling to pay her day to day bills and service historic debt (joint). Luckily she is living in the house she inherited from her late mother. Her daughter (17) and son (24) live with her. Her…
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Some friendly advice please - where to start!
Hello, and thankyou for taking the time to read my post. I'm not in any financial trouble or hardship, but me and my partner are left with very little each month and usually end up borrowing from my parents, which isn't good :o Below is our Statement of Affairs and i'm hoping that someone who doesn't know me could tell me…
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have i made a big mistake?
i have signed up to a debt management company - paid 2 months money etc. i was put through to the company via a creditor. I thought i asked all the right questions and I definately asked if I would be debt free over the period they quoted...and not then stuck with a large bill for back interest etc. however a friend of…
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£2800 payday loan debt
hi im currently experiencing alot of trouble with payday loans, i have been struggling to keep up with them, i had £2800 all guaranteed by cheques, i was advised that if i stop paying them the bank will as they are guaranteed, now so far its been hit and miss, i think the bank decides when they do and dont want to pay…
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Debt Advice
I am really looking for some guidance, i have credit card debits of around £8800, and a loan of about £2700, i am constantly going overdrawn and finding it difficult to get out of the vicious circle. I cant get move any of my crediit cards to other ones as i cant get the right amount of credit for any so 2 of my cards are…
