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MBNA Debt - Amongst Others!!!
Hi All, hoping that you can help. I have not been paid my MBNA card since January as I have had to take a serious reduction in earnings due to financial strains within my business. (I am a Company Director). Whilst MBNA have been understanding up till now, they are now beginning to get heavy, phoning and leaving messages…
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help a Newbie!! SOA now up !
Hi, I'm basically after a few tips and advice to help pay of my credit card and overdraft... At the end of every month my over draft is maxed out to -1400 :( Credit card not so bad... £500 debt on there but it was a cash advance so is costing me in interest :( Basically I moved to London for a new job, the pay is great etc…
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Barclays and RMA
I've just received a letter from Barclays saying they has transferred my account to RMA and will no longer except any further commincation from me. To give a breif history: I had a severe mental breakdown in 2003, and have not been able to work since. When Barclays opted me into the Reserve Fee scheme I was not well,…
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Trying To Clear My Debts
Hi all, Ive in the last month my money has been going a little out of control and im struggling to pay things even though that shouldnt be the case. Below is my SOA, can people have a look and see where they think i could possibly save, i really need to clear my debts just as id love to move out soon, im 25 and still…
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DCA litigation threat!! Help!
Hi, not sure if im posting in the right place, and hoping for some sound advice and support that i've read offered to others on the forum! I have debt of £335 on my Argos store card. I was making regular minimum payments up until February when my situation changed and I missed 2 months, therefore was referred to a debt…
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Help with HSBC
Hi We have 2 credit cards with HSBC and had a current account with them, which I have now changed and bank with some-one else. We were having financial difficulties and rang for help, and they didn't want to know even though we had been customers for over 20 years. They advised us to ring CCCS, and gave us there phone…
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Frederickson Int/Bryan Carter debt letter help
My partner has received debt letters from Frederickson Int regarding a debt with Capital one (client is Lowell Financial ltd) We ignored the letters for a bit but then we had a letter from Bryan Carter solicitors with costs added on so we sent a CCA request with a £1 postal order. Anyway we now have had a response from…
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Pursuing the wrong person
Hi, Newbie here so apologise if this is in the incorrect section. Last week I received a letter from 1st credit saying that they were trying to contact someone regarding a personal matter. So I called the number on the letter. What I got was a very rude lady on the end telling me I owed about £500 and that I needed to make…
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Capital one advice please
On a DMP i have been paying cap one a fixed ammount.I sent a full SAR request to cap one who sent various bits of info but no CCA.The account has now defaulted and gone to Iqor should i still pursue whoever for my Credit card agreement as it was taken out in 2004
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Really Need Help !!
I split up with my ex over 2 years ago and simply lost the plot for a year and didnt pay any bills and lost my job, No i am ok and getting back on my feet working temp , i want to know whats the best way to pay my debts off.. theres over £100K , there in joint names but i want to start doing something. I cant afford to go…
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On my way...I hope!
Afternoon everyone, I have been a lurker on the forum for some time & firstly wanted to say hello:hello: I have been in debt for quite some time now and am trying to do my best to improve things...so far.. 1. Paid off a huge APR card (34% ouch) 2. Sold old mobile phones 3. Sold scrap gold 4. Sold as many items as possible…
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Credit files & credit scoring
Does anyone else possibly agree with me in saying that credit files are not worth the paper they are printed on & that credit scoring is not worth anything either? I mean firstly..how long has the whole credit file/scoring system been around for? Secondly - who are the credit reference agencies answerable to exactly or are…
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Weekley Shopping and the Dreaded Offer Stickers!
Hi all, Its not my first post but its my first with any real aim:rotfl: When me and my wife do the weekley shopping we always try to stick to a £40 budget, its hard enough with the price of everything nowadays but theres always something on offer to make us buy on impulse, and like most people we fall for it every week and…
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DMP & renewing mortgage deal?
Hi all, I have been on a DMP with CCCS since 1st April - not going great as the debt has increased since the start as the creditors have continued applying interest and the debt has crept up to what was originally around £30,000 to £43,000!! :-( I have also had to go into overdraft (which I know is against the rules) but I…
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short settlement advice - DMP with Payplan
Any help and advice very gratefully received!! I have been in my DMP with Payplan for 2 and a half years now. I have paid off £6K of my debt but have about £4,500 left. I am getting married next year and i really would like to be debt free before then. My lovely other half has offered to give me the money to pay off my…
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Should I throw my surplus income at my debt?
Hi all, bit of a daft title - I know! Here's the query, they say you shouldn't save while you're in debt - fair enough. However I changed jobs at the beginning of the year and took an I.T contract, (something I had wanted to do for a while) It was a big increase in wages (for the first time ever!) I had nearly 9 weeks…
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Help with debt
Hello, this is my first post on here so please be nice to me! :beer: OK i'll start off with the background. Myself and my wife bought our current house six years ago, we were first time buyers. As it turns out although the house looked fairly respectable (we did know some work would need to be done to it), it turned out it…
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Another F&F question!!
hi can you request a copy of the CCA on a debt you have been paying off. Have a loan I defaulted on (thought I did anyway, had the letter to say its put in default, not marked as that on credit report though!) Been paying it back through DMP. Just had a small lump sum, about 30% of the total outstanding loan, which I would…
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Out of control
Please find below, my full SOA I can not handle money - just get in more and more debt. Where am I going wrong? :mad: Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 1572 Partners monthly income after tax....... 0 Benefits................................ 0…
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What to do and where to start!
Hi guys, ive decided as of 2010, i want to be debt free by 2011! Currently i owe out on defaulted debts Barclays - £950 (overdraft) Barclay Card - £350 Egg Card - £600 HSBC Personal Loan, £1,400 3G dongle, £900 £400 phone contract £600 Catalogue Current debt which are still being managed £1,000 overdraft with Abbey (but it…
