-
AEQUS Finance
I need urgent help! 2006 I enquired about a home learning college course in travel & tourism. They advised a guy would come to my house with the information. When he came he was a horrible salesman. He wouldn't leave until I signed up to something (at the time I was not well suffering from depression so was an easy push…
-
bailiff advice
hi everyone, i need some advice, my husband was very unluck last year as he got layed off twice. the council tax bill wasnt payed in full and there was a small amount still owing, i had set up a direct debit, & was paying it off. the amount is £173.50. i had a letter last thursday stating there was a problem with the…
-
Secured or not secured?
Hello all, regular reader here first time poster. I have just started to sort out a DMP with the help of the people at National Debtline but I have a question. I had HP on a car that was written off, the insurance paid out to the finance company and all was good but the gap insurance was not completed correctly and so they…
-
What to pay off first?
Hi everyone, I'm wondering if you can all help me regarding my outstanding debt and in which order to pay it off. I have the following: Barclaycard = £2596 (Cash £940 @ 27.9%, purchase £1656 @ 14.9%) Credit minit = £3000 Halifax Card = £5500 (Cash £1440 @ 22.95%, purchase £4060 @ 15.9%) Credit limit = £5750 (This has an…
-
Negative Equity or Credit Cards first?
How is everyone today?? My question is a simple one, though I'm sure the answer will be anything but... I am currently in negative equity and credit card debt. Both are around the same amount, so which should I prioritise? I reckon I could get my credit cards to almost zero in 3 years. Any suggestions?
-
Will it get my bro in trouble?
Well this is a difficult one! My brother is not the most trustworthy person and has got himself into a lot of debt, he has the same name as my dad and after getting his credit report it would seem he has run up debts in my dads name and dob. I believed my only option was to write to debt collection agencies to dispute debt…
-
Have I broken my Credit Rating?
Hi all, At the beginning of this year I paid off all my debts. I signed up with CreditExpert (just the report, not the actual rating) and all looked rosy. However in the past month I found myself in need of a car. So I applied for a Loan in which I was accepted, then I made the mistake of applying for a credit card a…
-
Whats your biggest worry?
I'll start.. My biggest worry is keeping my job, I have worked for a small firm for the last 10 years. Trouble is it's in construction and the market is on it's knees! I like my job but I need to keep it just for another year to clear my debt then if the worst should happen I know I can live with a lesser paid job! It's…
-
My Debt problems, any advice?
Hi, Last year I had the worst year of business of my life and decreased sales and increased costs put me into a huge amount of debt, now I still have companies to pay or ballifs but cash is extremely tight now, below outlined is the debt i have had to pay recently. Company 1 . £26000 - Paid in full Company 2. £15000 - Paid…
-
DMP v Debt consolidation
Hello all... I have begun the DMP process with the CCCS. Have sent my tokens and returned letters to the CCCS so await to hear from my creditors. I am being telephoned regularly by MBNA who yesterday asked why had I not considered debt consolidation. I hadnt, but should I ? Will it protect my credit rating? I have equity…
-
Need a bit of help...
Not sure if anyone can help or if im in the right forum!! But my husband has a loan with lloyds, and we have an OD with them the total is around 11k. I have been ill and not working since having our child last year and we fell behind on payments for the first time in YEARS! this also combined with the recession and my DH…
-
Stressy Tuesday Daily Chat.Pop in & say hi.
Hey peeps. Tuesday already~where does the week go? Good news for day is another credit card cleared. Ta ta Santander :grin: :j :grin:
-
Dispute with the bank
I hope this is the correct forum for such. I had a clydesdale bank account closed in march after being £34.20 over my agreed overdraft limit. As i had 2 accounts with them, any previous situation like this, the money was "set off" from my other account (which had enough money in it at the time to cover it) Yet, they did…
-
Tuesday 11th May - 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…
-
Stuck in Vodafone Contracts?
If your trying to reduce your debts and one of your outgoings if a Vodafone contract and it includes unlimited internet as part of the package. Keep a close eye on this topic, VF is changing the terms of their internet package so may give you grounds to cancel if they go ahead with the change. Same happened with orange…
-
Abbey
[post deleted by author]
-
Where else can I cut back?
Hi, I’m getting to grips with keeping my head about water with money, and learning how to budget. However, whilst my books are balance throughout the month, I don’t have much left! I am very lucky compared to so many, I realise, who don’t have anything left at all, but at the same time it would be nice knowing I have a…
-
Debt Management - £27000 CCs debt to clear...
I am considering taking a debt management scheme which has told me I can pay off a combined £27000 of credit card debt in under 3yrs at about £400pcm of course this is an extreme measure. I likely cannot increase my mortgage above it's current approx £180K level despite having a house worth £275K. I am at my ceiling, I am…
-
avoiding debt....
hi there people. im new here to the site, and after recent searching, couldnt find a similar post so thought i would throw it out there. my thoughts are this. alot of people worry about their debts, even more so if you dont have the means to pay it. at the risk of sounding ignorant.. couldnt it just be ignored? has anyone…
-
Student in serious need of help!
Hi, I'm a new member to the forum, so apologies if I'm not following procedure... Ok, so here's my problem, I really need some advice, so fire away!! I have been a student for the past three years, and am currently still studying full time. I made the mistake of having all bills in my name, and unfortunately I was not wise…
