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SOA and Snowball done-its the cash flow that has me stumped.
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 1 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1670 Partners monthly income after tax....... 0…
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Bankruptcy 27th May - Right thing to do?
Hello Debt Free Wannabe's... I would like to be one too! I am due in court to file for bankruptcy on 27th May but I really don't want to do it :( We are a young family, I am 23, husband of 21, and daughter of 3 years. My husband was made redundant 3 weeks after we moved in to our first (rented) home and prior to that was…
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What to do now?
I am basically in right sh*t. Due to losing my good job and having to down size to a poorly paid job, I was unable to survive and for the past few years I have been charging everything to credit cards. Stupid, I know but it was that or starve. I do not waste money at all believe me.I have spent all my savings and sold off…
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colinhotrodts
Any help please...I have a debt of £15000 on my credit card....I only have the one and never ever missed a payment but now I am struugling. I can only afford £200 a month total and wonder if I should get a loan to pay it off?
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Experian and equifax......
Hi, I got my credit report from Experian today, but there's not a lot on it, just one search from MBNA and my own searches that ive tried to make before i got it all sorted out. Would it be worth getting a free trial from Equifax as well, or will it just tell me the same useless info?. :mad: Any help please?.. Geebee.
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Extra payment made to keep open an option to settle - can I get money back?
I am on a DMP and one of my creditors offered a very generous offer to settle my account (25% of outstanding balance). They have not defaulted my account yet but were about to. To keep this settlement option open I paid them £250 at the end of April (to prevent default) and said it would screw up my monthly budget unless I…
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Advice please again..
I have been lucky and had a little payout so what I got I put on my Egg card it was 3500 but I now owe around 1700 i have some more money due to come in around £300 and I want to pay it on a debt but was wanting to know what you would do I can either clear a store card I have which would save me £40 a month OR put it on…
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Doing something about it.
Hi all, I'm new to this forum, but I'm also new to asking for financial advice. As a result of a wedding & honeymoon going over budget plus other unforeseen circumstances, I currently have a balance of just under £7.5k on my credit card. As it currently stands I'm paying off the minimum payment plus a token couple of quid…
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Capquest Threatening Bankruptcy on a 10 year bank debt !!!
I had a loan in 2000 with RBS and one for one reason or other I changed banks and forgot about it!! I have since got married - 7 years ago and had forgotten about the loan until last year I recieved a letter from Capquest to my maiden name regarding the unpaid amount. I have today just been served with papers in my maiden…
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can anyone please advise?
Help, first time i've used this forum, being reading through some this morning and you all seem to give good advice, so I am hoping someone can help me urgently, waiting on the baliffs turning up !! had a few issues with a dept collection company, who have refused to agree a payment plan for unpaid business rates, business…
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Review meeting with bank...
I went in to pay some money to my bank and they said a message had popped up saying I was due a review. I know this is a regular thing so not worried. But is there anything I should mention to them? Its not for another couple of weeks so I will have plenty of time to prepare myself. Overall I'm happy with my bank (natwest)…
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Trust deed
Hi, due to ill health I have had to make just the minimal £1.00 per month payments to my creditors which amount to around £ 90K. This has been going on for two years odd and during this time I have been supported financially by my son (in excess of 30k to date). My health issues are still being resolved and the pressures…
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Halifax & Credit File
Hi, I am really sorry but not sure really where to post this so thought it would be best to start a new theard. I am new here and have posted a couple of things last year. I am well into getting my finances sorted. To the stage me and my husband can get a loan in July once previous searches have disapeared. I have got my…
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Need to reduce my loan repayments
Afternoon people. I'll do my best to keep this as concise as possible. My partner & I have been living in the UK for just over a year (from Ireland originally) and we intend on staying here for at least another 10 to 15 years. We are renting and are registered on the local electoral roll. We have an outstanding loan from a…
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halifax
is there a letter i could write asking halifax to suspend the interest on my credit card as all they have sent is an application form with no t&c on they sent newly printed sheets with halifax credit card use conditions on which has no relation to my account and when i spoke to them i was told that is all they have
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Debt financial advisors / debt solution companies
greetings. I have been recommended to use a finanacial advisor company called lightside based in Clevedon. I have three main creditors. The debt i have is approx £26,000. I am seeking for them to assist in reducing the debt i pay back. A fee of £500 has been quoted for me to pay. This is for the services of lightside. can…
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Statement of Affairs
Hi all Sorry if this has been asked before, but I was just wondering which is the best SOA to send to my creditors please? Finally grabbing the bull by the horns and sorting myself out :) Thanks all SnS
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Getting hassle from Capital Credit Agency / Egg
Ill make this short, basically I have followed the unenforcability template etc re my egg card and sent all correspondence to egg, they sent the cca back in time, had a look and then spotted the letter re the use of the word approved possibly making it unenforcable. Anyway, still been getting a few annoying calls though…
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DMP Advice
Hi everyone I am on a DMP with Payplan, but due to the amount of debt I'm in it is going to take years to pay off :( My mum has offered to give/ lend me some lump sums to offer full and final settlements. However, she would only be able to give enough at a time to pay off one of two creditors. I was wondering whether it is…
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Full and Final Offers.....
Hi All Again - I am posting this here as I have received excellent help in the past and am hoping to get a massive chunk of my debts paid off rather quickly with a letter which arrived this morning - but it appears I need to act rather quickly and unfortunately I am having problems getting through to CCCS to ask for…
