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Some ideas please
Right.... Not long ago hubby and I sold our house for about 300,000....we paid off everything and still had about 180 left. Hubby then decided to give quite a bit to charities (mostly t.v. evangelists) and some to the local church...all together he gave away about 25,000. Then he thought the stock market was the way to go…
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full & final settlements?
hi, and sorry if i start to ramble a bit, i'm great at getting into debt but dont know much about getting out of it!! my partner and I owe money to several creditors. I have just sold a flat that I owned jointly with my mother and I want to clear my debts with the money, but i'd prefer to offer F&F rather than pay the full…
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CCA and making an arrangement help
Hi, I have been getting a lot of grief from DCA regarding a credit card debt, i took the card about 7 years ago, got into difficulty and got a default and the debt is with a well known DCA who are not accepting my repayment offer and are extremely harsh to deal with! (they want an a higher monthly payment that i cannot…
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help with budget
Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 2,255.00 Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 0.00 State Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .…
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A friend in need!!!
Hi all a newbie here who really needs some help and advice so where better to come then on this board. Ok a little background to my problem, I have a close friend (this is true) who has got themselfs into a bit of a pickle and has racked up some debts I found this it out by pure chance and then my friend broke down and I…
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Can Lenders take you to court for Interest Arrears Charges and other points
[FONT="] Advice and options on what action to take next will be appreciated.:j [/FONT] [FONT="]According to the lender I was in arrears of £6000 rising each month even with overpayments being made The mortgages taken out was buy to let interest only of £265,000. When looking at my mortgage statement its seem they…
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DMP - 2 questions?
Hi. I am currently doing a DMP with CCCS. most of my creditors have gone quiet and seem to have accepted what i'm doing apart from my major debt Halifax. They have since passed the debt onto Albion debt recovery and as they have the phone number for my parents home (where i was living when I took out the loan) they have…
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Confused by snowball....
Hiya all Sorry if I'm being a bit dumb!:p I have put all my debts into the snowball calculator (whatsthecost.com) and was really happy with the DFD, especially as I can see how throwing extra money at it beings it closer and I could play around with it! However, I'm finding it a bit confusing cos each time I add a payment…
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CapQuest taken on Natwest debt
Hi All, I'm having a panic! Got home last night to find a letter through the post from CapQuest saying they have taken on a Natwest debt of £1130.01. It took me a min to figure out what it was as I have a Natwest CC but it is less than this amount, and I realised that it's a Student Overdraft I had at Uni and stupidly…
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Odd situation with Capquest
Hi everyone, This is my first post and it's been prompted by my dealings with dear Capquest. I'll try to be succinct: Some time ago my circumstances changed and was unable to keep up the payments on my Marbles card. After the debt being passed from one collection agency to another (with each of them I paid a token payment…
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Pay Day Loan problem 2
I owe my day loan comp £500, i called them to try and put the account on hold and give them my CCCS number but they refused to accept it until I made a payment. is this correct? Also, they said the account is going somewhere else on Friday. any ideas where?
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This is making me ill
I am in a bit of a tiz and could do with some advice please. I have had an agreement with a bailiff for £30 per month, they have a walking possession order and I have been keeping up with payments ok. I missed one payment as my daughter was ill and had to go to hospital, the bailiff came out and demanded £150 and after…
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Weekly Spend Challenge W/C 2nd May 2010
Hello everyone . Welcome to the weekly spend challenge. This challenge is open to anybody, no matter what financial place they are in. On this thread please post an amount of money you wish to stay below within the week (Sunday to end of working day on Friday). This can be pennies or thousands it depends on the individual.…
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court papers and a headache
I have court papers to fill in I have laready got to the stage of sending back the awknowledgement. Now have to fill in the part I dmit some and defend the rest. So I owe a large amount to cap one. They sold me a PPI which I am saying they misssold. I took the card at a time when they ahve already been fined for…
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How much anger can I expect entering a DMP
Morning all, I'm thinking of applying for a DMP. It's the recommended course of action on the CCCS site.:o I'm apprehensive of the subsequent phone calls & letters. Especially as I work away and my wife will bear the brunt. There must be a few DMP veterans on here - just how bad is it? :(
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Advice needed - really confused!!
Hi I'm looking for some advice please. I have an outstanding debt with Capital Bank (BOS Loan) which I defaulted on more than 6 years ago. The debt was passed to iQor recovery services based in Preston a long time ago, this company was a nightmare but I did pay each month to them but they still harrassed me and each month…
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changing address when months away from being statute barred
Hello you helpful and knowledgeable lot I moved house over a year ago and the occupants of my previous address are getting VERY annoyed at receiving letters about three debts I have with Debt Collection Agencies. They are opening the letters and bringing them to my place of work and causing a quite a scene. Its too late…
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Help needed from others
hey there this is my first time posting on this forum though i have speny lots of time reading here. I was so surprised at the honesty of everyone and help offered. So here i am looking for some guidance. i'm 31 and have just recently realised i could go no further carrying my 21,000 of debt with me. Before using cards or…
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Has my Agreement been Terminated?
Hi have a card with Argos Card Services. I was behind with repayments, they sent me a DN which is invalid. Moorcroft have sent me a letter asking me to pay the full balance or call them to set up a repayment plan in the next 7 days. Does this mean the agreement has been cancelled with Argos? Thanks
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debt have built up again - advice please
Can you please take a look at our SOA. Our mortgage is on an interest only basis. We have 1 son at university and we try to help with food, clothing and mobile and 2nd son at college we help with transport, mobile and gym membership. I have gym membership recommended by GP for wellbeing reasons. I am afraid of taking on a…
