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My daughter has got us into debt!
Hi, I'm new to forum. Hope I have posted in the correct thread. I came home at end of January after living in Dubai for one year, my husband is still working over there, we are divorcing after I found out he had yet another affair, but that's another story. I came back & had to move in with my 30 year old daughter as our…
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Paid off a loan!!!!Thank you all
Hi everyone, Just having a celebratory cup of tea and ginger snap! After 7 years I have paid off my natwest loan today (consolidated an initially small loan twice.....), early having overpaid and whilst on maternity leave - i would never have thought it possible, and it's only because of this site and all the wisdom and…
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Natwest/Fredericksons
I need some advice! I received a call today from Frederickson International saying that my Natwest student account overdraft debt had been passed over to them. The Natwest account was originally opened in 2005. Fredericksons have told me I owe them just under £1400 - the original amount of the debt. I have been paying…
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Credit card debt help needed
Hi I need some advise please regarding managing my credit card debts. I've got £3000 on a Virgin credit card with an rate of 17.5% APR. I also have £1000 on a Barclay Card with a rate of 6% APR. I'm currently paying the minimum amount on both cards because I can't afford to pay much more each month. I worked out today that…
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In debt! - Help!
Hello, I'm new to this board. I have been coming on this website for a couple of months in order to sneak at a few peoples money saving techniques. I am in debt by £2000 all on an overdraft that I obtained whilst being a student. I know £2000 isn't alot of money compared to what debt some of you are in but nevertheless it…
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Please Help.Question about Westcot CS
Hello Everyone, Ive recieved a Debt collection letter from Wescot credit services.The letter states i owe money which is correct so i have no dispute with that.I get paid tomorrow so i'm planning on contacting them in the morning.I'm not able to pay the amount in full but dont really want to set up a payment plan..i just…
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where to start?
Hi, I spent ages this morning filling a form out with all my debts & lost it! I think it was a SOA form But then I couldn't make much sense of it anyway. My problem is I have a huge Sainsburys loan (21,000) with 5 + years to go at 7.5 % & 3 credit cards totalling 5000. I don't pay a mortgage , my husband does. We don't mix…
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When to start with budgeting
Hi I know that I should be budgeting and putting money aside every month for things that are due quarterly/six monthly/annually. However, there is just never a good time to start as there always seems to be a big expense due or something that means I cannot put the money aside for when these expenses arise. Every month I…
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debt-line. org .uk
My nan got a call from these yesterday (i wasnt here) and she has arranged for them to take over her debt and gibven them her card details (which ive told her was a bit daft) Now i've looked online but can only find a couple of reviews which seem bad. Any advice on what to do?? Should i cancel for her? Thanks
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Why aren't Payplan recommended by MSE anymore?
Just saw on another thread that MSE has stopped recommending Payplan. I checked and it was right, have I missed something? Why are they no longer recommended?
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what legal action can you action if incorrect data is held?
ok, quick Q. Background DCA had a default registered against me from 2003, a few years down the line they changed the default date to 2005. Obviously i have involved ICO i sent all info to ICO beginning December 2009 but they are dealing with May 2009 cases as of now so i can expect a 5 month wait (so they tell me) Anyway,…
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Buying postal address - any good?
Banks and lenders all love you being at the same address for years. What if I buy postal address(not PO box)? I could move house every day if I want, but my address would stay the same for long. What do you think? Anybody done this ?
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My SOA - struggling atm!
Household Information[/b] Number of adults in household........... 2 Number of children in household......... 3 Number of cars owned.................... 2 actually have two cars and 1 motorbike - want to sell one car (appx £900) but need to pay for repairs to the other one before we can! Monthly Income Details Monthly…
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Invalid default Notices help most appreciated please!
Good Morning Everyone I would be most grateful for some advice. Late last year I received my SAR request back from Capital One. There was no default notice within this request, dispite asking for a copy. I was defaulted May 2006 credit limit £800. At the end of December 09 I sucessfully aquired £1480 back in…
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Default?
Can a company place a default on my name with informing that they are going to do so o2 have placed a default on my account and i wasnt told or sent a letter that is was gonna happen . can they do that ?
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is this true? new clean credit file
i have just seen a site on the internet that says if you pay them so much they will let you know how to create a new clean credit file in less than 4 weeks..is this true?
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Bank charges back to bite. Help :S ?
Thanks for all of your help
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Nearly the Weekend Thursday Daily Chat
Morning all - hope you're all good today - not long till the weekend.. in fact it starts today for me as I've got tomorrow off :D Parents are coming to visit so will be having some nice meals out and hopefully a couple of walks (although the weather is really soggy and foggy at the moment).
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Addresses for EGG/ Barclays/ Virgin Loans/ Halifax ...anyone?
Hiya I am trying to write some letters to my credit cards and loan about my husband's terminal illness and why I can't pay them through my DMP anymore and need to just offer them a token offer. I'm going to include his hospital notes/diagnosis etc etc I'm not sure who I should be writing to for the above creditors though?…
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Help with my banking
Hi all, I really really hope someone on here can help me with it, as I suspect it's a fairly simple matter that I'm not aware of since I'm really new to this (I'm 22!) The situation in short So my salary is £1300 per month, and I've been working on reducing my expenses down successfully quite a bit. My plan is to save £500…
