-
Defaults
Hi, I'm quite sure that the information I'm looking for is on here somewhere but I can't find the exact answers to my questions....hence this post..... Myself and my hubby have recently received an inheritance and paid off most of our debt (all the troubled ones anyway) - except mortgage and secured loan and next…
-
DCA letter from BCW
i have recieve a dca letter from buchananclark and wells regarding a recent t-mobile debt the letter reads : pursuers - t-mobile princible sum - £142.53 administration costs £16.39 debt balance £158.92 bcw ref xxxxx cliuent ref xxxxx dear mr smith we have been instructed by t-mobile uk to recover an overdue account in the…
-
Letter from DCA
Hi All, This is my first post so apologies if I am unclear, or if any of the content has been repeated. I have received a letter from a DCA addressed to my maiden name at my current address. (I married Dec 2004 and moved Nov 2006). They said that they had traced me to this address. Even though I was more careless about…
-
Please help, we are REALLY struggling
My dh lost his job in February and we have been kind of managing not too bad, struggling a bit, but coping. Now, I have just worked out our figures for the next month (til my pay day again), and we have, once everything is paid, the grand total of ..................£18 a week for food, petrol etc to feed a family of 4. The…
-
Bank holding funds despite transaction being declined!
Heyyy Last Monday, 12/04/10, I tried to purchase something off an American website using my card. It kept being declined and after four attempts os so I realised that it was because I was using a visa electron card. I then went to check my Halifax account to find that the money has disapperred from my account. After…
-
One debt Vs 100 days ~ Take Three
Hi all Some of you may know about this challenge, and some may have already participated in the first two parts... So by popular demand this is Part Three :eek: Please see this thread for the original and part two here.... So what’s the 'One debt Vs 100 days' challenge. The idea is that you decide to tackle one debt within…
-
***Is there anybody there??*** Monday 19th Daily Chat
Where on earth is everyone this morning??? Got some scary decisions to make today, and really need to find some motivation. Weather is grey and rainy here today. Hope everyone is well. xxxxx
-
Monday 19th April - 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…
-
Any Advice Please?
Hi, I'm hoping anyone here can offer advice as I'm getting to the point where debt is getting on top of me. I'm expecting to take home around £650 in wages at the end of this month. I just worked out that I have the following expenses: £250.00 rent £98.80 credit card #1 minimum payment £15.01 credit card #2 minimum payment…
-
Panic!
Hello, Here is my situation. I currently have a £600 outstanding balance with HSBC that I have had (well, it was originally alot less but with time, charges and what not were added on) since the end of last year. I have yet to make any payments for this, and I am sending off a letter requesting a monthly payment option…
-
Not Sure Where To Start :(
Hi everyone, I have no idea where to start, my whole life seems to be one big mess right now and I feel I have noone/nowhere to turn. Im in a LOT of debt ...£21k bank loan and around £15-20k on cards which were accumulated over several years in my previous relationship (he got to escape having no debts as everything was in…
-
MY SOA - Maternity Leave Planning
I have decided to bite the bullet and prepare our SOA. The figures are based on what money we will be on when I very shortly go on Maternity Leave. I have had some difficulty in preparing this accurately as my partners salary fluctuates as he has a basic salary and then commission on top but I have taken his recent P60 and…
-
Newbie on here, help and advice needed!
Hello everyone! I have only just joined this forum as i have just come out of the closet so to speak and now want to face up to and tackle my debt problems. So, a little about myself... Im 26 years old and live on my own in a rented property, me and my fiancee split in february, much of which was due to my debt problems…
-
Advice needed please!!!
Hello All!! This is my first ever post so I hope I've done it right :) Background Information I am currently in a DMP with the CCCS and owe approx £27000. I am paying £65 a month towards my debt which would take me 46 YEARS to clear it. After running a house thats all I could afford to pay them. My partner and I split up…
-
Void by my signature on frasercard account
Hello everyone, i just recently got a copy of my credit agreement form that i filled in back in 1999 for a frasercard. On the form where i signed for payment protection there is `void` written beside it. I cant quite remember why but i must have signed in wrong place or asked them to take that off i think. At the time i…
-
Debt advice needed please
I forgot to pay a bill back in January on a property that I rent out and got a reminder at the beginning of March with a late payment fee added onto it. So far, all straightforward. I had a bit of a bad month in March and sort of put it on the back burner to pay with my end of March wage (yeah, I know how stupid that…
-
Finally getting through to my husband!!!!
I have been struggling with our families debts for quite some time and my husband is one of those care free/no worry types! I have made sure that we pay everything on time so we don't end up with defaults CCJs etc. My husband thinks I stress too much as we have always been able to manage to pay our bills (only just!), I…
-
Weekly Spend Challenge W/C 18th April 2010
Hello everyone . Welcome to the weekly spend challenge. This challenge is open to anybody, no matter what financial place they are in. On this thread please post an amount of money you wish to stay below within the week (Sunday to end of working day on Friday). This can be pennies or thousands it depends on the individual.…
-
Dlc / hillesdean cca request
Hi everyone, hope you can help me! I've been ghosting this forum for a while. Thanks to this website I have got back two thousand pounds in bank charges and two hundred pounds in missold PPI so firstly thanks! However I've now had to register because I need your advice. I believe my debt with HSBC is now unenforceable.…
-
More Capquest Fun!
Hi All, I have been dealing through the CCCS for the last 5 years now, I originally had a debt with Capital One, After approx 4 years of following my payment plan they "sold" the debt on the Capquest. This is where my problems started. I started receiving threatening letters and getting people from Capquest on the phone…
