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Dal
Hello I had 2 phone calls today from a company calling themselves DAL they said debt advisory line when i asked. Does anyone know who they are please, and were they just touting for business, i looked on the web site and it seemed to imply they were free. like cccs and pay plan. thank you.
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Paying off overdraft.. Closing Account..
Hey folks, Another backseat reader finally asking for a little advice.. I have a question concerning paying off, closing down a Cahoot acount.. (I'm closing down the account more because cahoot is just rubbish but its a good time to pay off the OD) So ive opened a Smile account which I'm planning on paying next months wage…
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£120k of non-mortgage debt... but seemingly with £70k positive equity... advice?
Many thanks for reading. Basically, I am mired in £120k of non-mortgage debt : £50k owing to my dad (secured against HIS house) and £70k owing to credit card and loan companies; in all, I have 11 separate CC/HP liabilities. Three of which are currently crucifying me, and this is just on minimum payment: £20k to MBNA at 29%…
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What shall I send back?
Hi I sent letters/emails out to all my creditors yesterday and got this reply from the collection agency who have taken on my payday loan: Dear Alison, The minimum payment we can accept each month is £20.00 a month and no less. You can make token payments of £6.62 a month but your account is not on hold and you may incur…
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Financial Woes with Ex and DMP
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credit rating damage
Hi, im new to all this. trying to consolidate debt, secured or unsecured, i have been refused additional borrowing on my current Mortgage as they no longer lend to part time workers. I know credit searches damage credit scores how long should I wait before applying for any other loans?
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Going it alone
Good Afternoon, I am after some help, i have been on a dmp for over three years now and have got my debt down from £72k to £30k i pay payplan £1029 a month, but i am now thinking of going it alone as i want to pay 6 of the small creditors off as they are all under £500.00, has anyone done this? any help i would really…
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Newbie :) wanting to be debt free
Hi Everyone, I have been lurking around here for a few months picking up a few good tips and advice. Its nice to know there are other people who have debts and there are nice people who dont judge us poor souls who are learning the hard way of money management. I like to think i am not in too far over my head and I have…
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NID`s FAQ`s
I stumbled on NID`s page where he has all the FAQ`s on Unenfoceablity with clickable links to which letter is for what etc , and now i have had to restart my PC and cant find it again , its not the one thats page 1 of Uneforceablity thread III but somewhere else , i think anyone able to send me to it ?!
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Barclays Basic Bank Account
Hi I today went to the bank to open one of these. I was completely honest with them regarding my financial status (bad credit, defaults and DMP) and the guy who I saw was ok with this. After putting in all my details, he said it had to be referred to the underwriters! He said that most of the time the accounts are accepted…
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remortgage with iva
hi all does anyone know if it is possible if you can remortgage to include your iva & obviously it would then pay the iva off. was just looking at remortgage sites & it seems to appear that if you done it that way you could save monthly as the cost would be spread across the remainder of your mortgage.
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Yet another newbie :)
Hello, yet another newbie who's become very quickly addicted to MSE. I've just turned 20 years old and have decided i want to pay off the debt i have now before i am 25 years old... So here are my stats: To pay: Natwest Loan - £3669.51 Natwest Credit Card - £572.53 Natwest Overdraft - £99.15 Parents - £119 Paid off:…
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outstanding ccj's
Help!!!!!i have currently got a ccj against me but i do not know who has issued it against me.I think it is from when i owned a business a few years ago.Is there any way i can find out who has issued it and what can i do to clear it?
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can i transfer a debt thats in my name to someone else??
sorry another question - me this time. 2 or 3 years ago I went through bankruptcy with the help of some fab people on here, anyway, I've kept out of debt etc, but the thing is I had a phone contract for my 17 y.o son, which I would pay out of his pocket money and later he'd pay out of his college money, anyway he hasnt…
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Limit weekly spending
Hi All, I have a bad habit of going to the local superstore virtually on daily basis with the intention of buying bread or milk etc... But somehow I manage to spot the offers and soon enough my basket is full, most of the time I leave the store thinking how did that happen? The worst of it is I know how it happened, I took…
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bailiffs coming
Hi a neighbour has been told that the bailiffs are coming for none payment of councils tax (or something) anyway he isnt actually bothered really because he doesnt exactly have much, the thing is his grandson lives there, so the grandsons things are there-he's 18 so has computers etc, but also the 18y.o has a baby who he…
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Moderator please read
Hi, I have a few questions of a way that could help people on this board, however I did not want to just post it as it may be looked upon as advertising. If someone could PM me and I will talk through it in more detail and see what your thoughts are in a message or we could even have a phone call. Thanks
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Letter From SCM Solicitor.. Should I be worried?
I thought things were too quiet with my DMP :( I have recieved a letter from SCM Solicitors on behalf of my Lloyds loan accound saying they will take me to court if I don't pay my arrears :mad: I have a dmp set up with payplan and pay lloyds what I can afford each month, lloyds have agreed this amount so why the solicitor…
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been in debt for 14 years.. sick of it
I am 32 and have been in debt ever since I left home.. catalogues, loans, overdrafts, cc's you name it.. I got close to 2k in 2007 but had to buy a new car which bumped it back up to 6k, then I bought a house in 2008 and its sprialled again. Unexpected renovations needed doing and I am now 13k in debt and then I had to…
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Oh help, Bailiff has levied on my neighbours car?!
What happens now? Is he going to just take my neighbours car?! He turned up this morning at 7am (I was still asleep!) and put the form through my door. what should I do?? My street doesn't have set parking spaces, everyone just parks anywhere and I don't have a car- I have a company car!
