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I'm ready to sort this mess out now!
Hello everyone, I hope I'm posting in the right place; I've been floating around for a few weeks now and have mainly kept my posts to the Disability & Dosh forum but would like some more general advice. Over the last 18 months or so I have incurred debts for the first time in my life and have reached the stage where I just…
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0% overdraft expiring,,,what to do??
i have a 0% student overdraft with halifax but did not graduate so i am unable to get a post graduate loan to repay the amount owed. It was maxed out at £3000 but i managed to save £1800 as i am in the forces now and was away for a couple of months. i also have a house and car (which i need as i work all over the place)…
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Barclaycard and MBNA Full Final Settlement
Hello there Well i posted a couple a weeks ago to say that i had offered Barclaycard £1800 as offer for a £3k debt and MBNA £1200 for a £2k debt. Due to being regular payers on a monthly payment plan ive a feeling this is why or offers were rejected. I sent 2 letters directly to the creditcard companies, explaining the…
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Where should i post?
Hello! I have a quick question... Where should I post a new thread about a company that is openly ripping people off left, right and centre? I feel a good rant coming on! :mad: Cheers, Merri x
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Self Managed DMP
Hi All Just wanted some feedback really, currently I am the only wage earner in the house hold and currently paying £358 to CCCS for our DMP, apparently it will take around 16 years to clear the debt However, my wife has just been offered employment which will increase the income to the household. While we could send this…
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Greenwoods
Hello, I'm a long time lurker (for bargains information) and a first time poster, I'm looking for some advice hence my HUGE step to registering and my post. I had a call from a Greenwoods agent today, when I answered the door at first I thought it was a last ditch attempt to influence my election vote when I saw the…
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what do i do next??
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dwp debt from 8 years ago? help please...
Around 8 or 9 years ago when I was a single mum living on benefits, I took out a budgeting loan with the DWP, about 6 or 7 years ago when I was back in work and my now husband then boyfriend and I moved in together round about the 17th December 2004 we went into our local town and paid off the final amount of this loan,…
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Is there a May NSD Challenge?
Hi, Is there a May NSD challenge? I am really proud to be on my 3rd NSD so far this month but can't find the challenge thread to boast on :p Thanks x
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Received CCA is this one enforceable and what's my next move
wish_i_had_a_time_machine
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SOA - please advise how to cut debt
A friend of mine is trying to budget and keeps getting into debt. She's come up with a new budget that she's going to try to stick to but she's nearing retirement and is scared to retire cos her outgoings are so high!! I've told her she needs to cut costs as they seem high to me e.g. water bill and lottery!!! She's sent me…
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O2 and lowell issues.
ok, so a few weeks ago i received a letter from a company called lowell who have purchased a ''debt'' that i had with O2 for £987. The debt was written off by O2 as it was an error with email software that meant my data usage was incredibly high. now i have been in contact with O2 regarding this and because they sold the…
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Payplan - payments clearning and bank holidays
Anyone know why it still takes 3-5 days for payments to clear with payplan and longer when there's a bank holiday. I thought since direct payments came in they went through on the same day. I registered to pay my council tax on-line recently and they sent me a pdf of a bill, showing my first month's payment on the account…
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Power2contact
I know there are other threads on these scumbags,my query is that : I owe £450 to cap1,sent them the offer i can afford of 3.63 then cap1 did all the ignoring that they do, ttansferring debt to debitas,since september with charges being added its increased to 700 quid,id never missed a payment and havent missed my token…
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'Statement of Affairs'
Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 3,500.00 Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 0.00 State Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .…
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Curse of the lightbulb moment
Well like I've stated in some of my other post it's now been over a month that I've seen the light Ive started opening my mail again keeping an eye on my money trying to get a second job but life can't but help throw more c*#p at you. last month was able to save my first £300 but needed a new door to sell my house and get…
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Dreaded Equita & Council Tax
Hi Everyone I’m new to the forum and was hoping that someone could help me at all? As I seem to be going round in circles!! I have an outstanding bill of a whopping £65!! Council Tax Bill from last year, my own fault as my payment to Equita in March bounced and I did not realize until I had a lovely letter from the…
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please help, soa
Having a really bad week so please be gentle :( DSs DLA has just run out and due to various stuff-ups with his changeover from child to adult services it looks like we are going to be without it for another 12 weeks. Wouldn't be so bad, but with it Ive lost my carers allowance and the extra tax credits it brings. So I need…
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Robinson Way - how much 'force' do they have?
Hi all - first post. I was paying off a credit card to Natwest up until last year when after I missed a few payments (stupid I know) they sold off the debt to Robinson Way debt collectors. So I got the letter from RW saying they now had the debt - I called them and agreed (verbally) to pay them £10 pounds every two weeks,…
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Santander Income and Expenditure form
Hi I became unemployed a month ago and wrote to my credit cards saying that I couldn't meet the minimum payments and could only make a token payment. I have had phone calls from 2 of them and they were very nice and understanding and have accepted the token payments and frozen interest and charges. This morning I received…
