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What is your overall debt APR% - For number lovers everywhere!! :D
Aft'noon all! Not sure if anyone else likes working out 'interesting' :p details regarding their debt. However today I wanted to compare scenarios - my debt now and how it would look if I took a balance transfer card at 4.9% However the snag was it's quite hard to work out how much you will save when fees etc are taken…
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RBS and CAPONE on DMP
Hi About to start on a DMP with payplan my main debt is with RBS (ashamed to say over 20k) Consisting of Loan, ODs and cc and a smaller amount 1.5k on cap one. Just wondering if anyone has an existing DMP with any of them and was wondering how it has gone. My payment t payplan which hasnt started yet is very low in…
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Reliable Collections
Hello, I was recently horrified to find that Relicable Collections have been charging me £12 for every reminder they send me, so in spite of regular monthly repayments being made by Payplan on my behalf, my £500 debt became £1100. So, I looked into the guidance published by the OFT, and they are not allowed to apply…
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*International* Balance Transfers (from, then back to, UK cards)... possible?
Many thanks for reading. I don't know whether anyone would know this, but is it actually possible to BALANCE TRANSFER a debt from a UK credit card (say, from my UK-based MBNA card) onto a non-UK credit card (say, onto my Australian partner's Sydney-based credit card) only to then try to re-BALANCE TRANSFER the same debt…
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electoral role
When I moved in September I was a but lazy moving my vote, but the general election kicked me into gear. Anyway when I check my credit report it still states that nobody there is registered on the electoral role. This will obviously effect my score. Does anyone know how long this takes to update?
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how can i find out exactly what i owe and to who?? help
help pls how do i find out how much i owe and to who? i have buried my head for so long just throwing letters away ... please can somebody help.
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Credit report questions
I set up accounts with both Experian and Equifax today. I have a couple of questions about the information which came up. 1) I have a default listed relating to a credit card I had while at uni. That is marked as being paid off in June of 2004. Am I right in thinking that this should disappear from my report in June of…
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provident now chasing unenforcable catalogue debt!!!!!!!!!!
I have an old classic confidence catalogue debt that was deemed unenforcable about a year or so ago but, they have been still sending different dcas after it - after letting each dca know once it is unenforcable i have ignored them and filed them away.... now i have received a letter from provident to let me know my 'local…
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Lamost paid of Lloyds, now they're lumping charges on quick and fast!
Hi, almost at the end of my DMP with CCCS, now this: -got a letter from CCCS in April saying Lloyds had refused renewal of plan (only 2 payments to go!) -phoned Lloyds and they said it had been renewed and all was ok to make next 2 payments and close account (current a/c), so though was all ok.... -last week got letter…
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What would you do - car
Hi there Can anyone give me advice about my car? At the moment I have my own car - it's got £12145.26 left to pay on it (with over 4 years on the loan). The What Car website said a dealer might give me £11,455 for it. I pay £300 per month on the car loan (honda finance) plus insurance at £65 plus all road tax and…
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Is Whatsthecost.com not working?
Hi all, I have been looking forward to crunching some numbers on the Snowball calc today . (I've been offered a balance transfer card and was going to see what it would save me) Tried a few time to get onto the Snowball page on www.whatsthecost.com but no luck! Web page just times out :( Have tested a few other websites…
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cutting cost of sky tv
Hi, I was hoping for some help. I need to reduce my sky package but DH will only allow it if his euro sports are safe to watch his bike racing. Does anyone know the cheapest way to have euro sports. We spend £70.00 a month at the moment :eek: with 2x multi room and sports package. We only need 1 multi room, so that will…
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Which would you do?
OK, have a number of debts, detailed below approximatly. Will be receiving a sum just under £3k shortly, however, am in a DMP, and have been for some time. Cash has been short, so only been paying it back at a total of £110 a month I am torn for choices, stay in the DMP, where the whole sum will be spread across the debts,…
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Falling back into the black hole
Hi all. At the beginning of the year I negotiated with all the credit card companies to make small payments and they agreed, giving me an interest free period too. They were mostly very helpful and set up direct debits for the small monthly amounts. In the last 2 months, I haven't had enough money to cover even these and…
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Did it again didn't I?! This cannot continue!
Hi Im new to this site. Reading through this site shows me that im not alone in my conflict with debt. I have spent the last 2 years paying off £12,000 in debt. Next month is my last payment of £600 but guess what? Yes ive gone and done it again haven't I? I now owe £8000. The only saving grace is that I live with my mum.…
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Credit resource solutions getting on my wick
I'll start the story with... Once upon a time I had insurance for my car and unknown to me one payment didn't go through. A month later I get a few calls from numbers I didn't recognise so didn't answer them. These were after I googled them, my insurance company. I then get a letter saying they have cancelled my insurance…
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Aiming to be Debt-Free
I have struggled with my debt for a while now, and the last two months have finally got on top of the monthly payments. I am trying to remortgage my property, so want to clear as much as I can in the next few months so I can access better rates even with my poor credit rating. I've completed an SoA, and would appreciate…
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charging order on house
is there any way i can contest a charging order on a house that i knew nothing about and only found out when i was left property by my father when he passed away and a search was done on me. my ex-husband knew about it but omitted to tell me. the charge is in my name and not his.he was made bankrupt but has left me with a…
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Help needed proof of debt!!!!
Hi looking for some help please, excuse if I waffle. My daughter had her own business until late 2008, she had a business loan with RBS, which she paid until she had to close the shop leaving a balance from originally £5000 down to £500, but she had organized an overdraft over the phone which they put the limit up to £5000…
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**Its Monday, it's 7.33 and there are no crackerjack pencils **
Hi All, Happy Monday. I'm here with the curtains back and my stash of painkillers. I'm on the home straight :j:j:j Have a good day. Tackle Monday head on even if you don't have a crackerjack pencil. Butti x
