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CCA request - signature
Hi All, Sorry this is such a basic question but I'm a little confused. Obviously the CCA request should not be signed, but digital name print to avoid them copying your signature onto an application form if they can't find the original one. However if I send a cheque, my signature will be on that. Can they use that against…
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any advice welcome pls SOA
Please be nice!! have a bit of debt we want shut of plus have started to make additional payments to mortgages as we were on interest only. Just want general opinion really i am quite good at budgeting but an unbiased view may help us become more stable! Thanks. Household Information Number of adults in…
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Help should i go bankrupt??
Ok been a complete idiot and now really don't know what to do for the best, will keep it short and hope someone can advise me. I have a few defaults on my credit file and one ccj for the tune of £8k (happy to take £50 a month at the moment) I lost my main job in january so working part time and the council pay my rent at…
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PPI and DMP
Does anyone know what happens to PPI when an account is included in a Debt Management Plan? I'm currently on a DMP through CCCS and have noticed that although one of my creditors has agreed to the DMP and has suspended interest, pending a review in a year's time, is still charging PPI at about £29 per month. Is it up to me…
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Help
I have reached the point where my family's finances are in such a mess we are worried whether we are going to be able to keep our home. For months now we have been using credit cards to subsidise our monthly income to ensure we dont go over our overdraft but we cant continue like this. We have never missed any payments on…
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SOA analysis
Since I got a better job earlier this year, my partner and I are managing our debts a LOT better. I keep records of every penny spent and budget ahead on a monthly basis until the end of the year - to try and minimise unexpected expenses. Even the small things ... which bugs the missus sometimes but I know it has to be…
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help get rid 10k cc
:(hi everyone im not sure what to do anymore with my debt i need mortivating as at the moment im sat here crying thinking to my self i cant do it but is it possible to get rid of 10k on my credit cards and i have a loan of 20k( seems a lot but thats with all the intrest ect) with out going bank rupt and doing a iva. I…
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Is anyone with payplan
New to the forum and everyone seems really helpful and supportive. Just about to start a DMP with payplan and really scared. Does anyone have any experience with them and got any advice?
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Quick question regarding subject access requests
hi i'm about to send a subject access request to natwest regarding my bank account but i also have a credit card with them, can i send one subject access request for both the bank account and credit card with one £10 payment or do i need to send 2 seperate subject access requests and two £10 payments?
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Started DMP. Further disclosure? Help plz.
helloall. I have started my DMP with CCCS, and so far so good, early days but time will tell im sure. I have had letters from my creditors thanking me for my recent letters to them regarding my situation and my DMP status. They go on to ask me to supply them with a financial breakdown of incomings and outgoings, and then…
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SOA - come and rip me apart
We're not in dire straights or anything but I haven't done an SOA for a while and was interested to see other peoples opinions:) As we're expecting our 1st baby in October I'd like to see where we can save the additional now.....our intention is to reduce my pay to what I'd get on maternity leave in July/August(won't…
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NI contributions.
Hi, Bit of a dilema. I'm at work at the moment so I don't have the exact amounts. I have moved house recently and got a letter through about what I owe for National Insurance and it's in the region of £500. Now, I'm assuming that these were going to my old address but I asked and there is no trace of any other…
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Dont give up
My husband and I had our house repossessed two years ago and also lost our business. We were over thirty grand in debt and just did not now what to do for the best. People kept advising us the best thing we could do was to go into bankruptcy, but to me that seem the easiest option. We had a solicitor who was acting on…
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Thurs 6th 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…
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+++Happy Election Thursday 6th May Daily Chat+++
Morning All Well I am just off to the polling station - hope it is busy otherwise it is going to be a lonnnnng day. Please go and vote to keep people like me awake!! Hope you all have a good day Kassi - I am so sorry to hear about Oliver xx
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electoral roll
just had a view of my credit report and i really dont understand it. it says im not on the electoral roll yet i get a postal vote through. surely this means i am on it? ALso how do you find out what your actual credit score is? many thanks
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Barclays Debt Management Plan - Advice Needed!
Hi, I have £5000 balance with Barclaycard and have recently spoke with them about a debt management plan as I can only pay £50 per month to them. They have agreed this but have said that the interest will remain the same for two months (currently 27.9%) and then will change to anything from 1-10%. Does this sound right, it…
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(Another) Question about Trust Deeds
I'm currently 3 months into a Trust Deed and have been told that work might have some overtime coming up soon :j My question is this, I know they take part of any extra income earned but does that reduce the term of the Trust Deed or does it just mean that creditors get a bit more money and the length of the TD is still…
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Unsure of debt
Hi all, Im hoping someone can help me. I have £6000 of various debts on my credit file mostly in 2005. They have date last deliquent of may 2005/june 2005 etc (there are 7 separate debts) all of which i have not paid and stopped paying about 5 years ago. Now I am wondering what is the best thing to do to sort these debts.…
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Clarity Collections
Hi Guys I recently (stupidly) went to a payday loan company and borrowed some money. At the time I was earning bonuses and getting overtime. Well sadly that stopped and my basic didnt cover anything. Thats all sorted now and Im 1 debt from being debt free :j My question is, I owe Clarity £400 after setting up a arrangement…
