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Newbie needing advice please
Hi Everyone, This is my first time on the site so apologies if some of my questions are a bit daft!! Firstly I am trying desperately to rebuild a damaged credit rating and although I think i'm getting there I still can't get anything simple like a mobile phone or credit card with my bank. I have a bank account with Natwest…
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Frrreeeeddddoooommmmm!!!!!!
:ji HAVE JUST PAID THE LAST OF MY DEBTS:beer: My lbm was 2 years ago after 10 years of consolidating loans then using the credit cards again I finally had a £23000 loan (inc interest) with 3 years to run and £14000 on cards and a £2750 O/D that I never got in the black even on payday. It has been hard and I am obsessive…
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Abbey National debt help please
Morning all Any help or advice will be greatly appreciated. My husband has been recieveing letters regarding a Abbey National PLC debt of £325.49 from a group called Mackenzie Hall, untill yesterday when he recieved one for the same Abbey debt from Hamilton Legal who are threatning legal proceedings and bailiffs. The…
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Hi Everyone
Hi Everyone I thought I would finally say hello as I have been reading these threads since January since my debt free journey began! Between my partner and I we had built up just under £17,000 of debt on various credit cards and two loans. Now 5 months later - we have 2 credit cards between us - both 0% and 2 loans…
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Thursday's Grabbing it by the balls Daily Chat
Morning, Can you tell I'm feeling a bit bullish at the moment:D I have a stinking headcold. The fact that I got out of bed this morning and came to work anyway is testament to how much better I'm feeling and how much I enjoy going to work. I challenge EVERYONE to do one additional thing to reduce their debt today (even by…
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Thurs 27th May - What small DFW things have you done today??
:)Thurs 27th 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…
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Been told to go into arrears by my loan company before they will help me
Can they do this????
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My First Post
Hi. This is my first post and I'm frightened as hell to do so... I'm so embarassed and ashamed about my debts its really getting me down for the last 16 years! Heres a brief situation I am in now. I jointly own a home with my partner. We are with Northern Rock (it couldnt get better) we purchased the property for 144k, got…
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Contemplating a loan
Hello all, I am with Nationwide and have a FlexAccount, and an eSavings account. I am currently with a -£5600 overdraft limit. I'm currently at about -£4900. I get paid monthly, about £950. My salary is £15,000 - I'm currently on BR tax rate by mistake, but I'm trying to change that, so I should get a tax rebate boost at…
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I have made my plan - feedback please kind people!
Right. I have made my plan on how to be Debt free by JULY 2011 - just over a year away. Firstly, some background. I am 26, and I live at home with family, almost rent free, with very few expenses. My annual Salary, is £25,400 and I have a stable job. My total debt figure is £9,050. This is comprised of: 1) AA Personal…
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Car Boots Sale
Does anyone know any car boot on saturday?:T
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Making Full & Final Payment Offer?
Greetings all, I won't go into too many details because no doubt people from various debt collection agencies etc read these boards (sneaky !!!!!!s!) Background info; My partners ex-husband went bankrupt earlier this year, this instantly had an effect on their joint bank account (which has an o/d of £3k maxed), the bank…
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Just need a bit of a rant!
I am soooo mad! Me and my OH are trying to pay off our debt so we can buy a house. I am trying soooo hard in clearing my debt and have literally stopped buying anything i don't need as well as expensive nights out! OH has decided he is going to buy an i-phone tomorrow:eek: Im getting fed up with him not pulling his weight…
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Full and final settlement opinion, please
Hi All,I have 12 debts that are mostly with DCA’s totalling £4,500 that i want to settle in August. i am due to be made redundant but separately i am receiving a sum from a 3rd party for £2000 which i want to use to clear all my unsecured credit - most original creditors were payday/short term lenders when i got myself…
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Advice please
Hi All. I've started this thread because I want to keep a complete record from start to finish of my Unenforcability battle with my creditors. I've been paying 1140 pcm to Payplan for the past 23 months. Payplan distribute this payment to my creditors as follows - Creditor Total Paid Payment Estimated Remaining Barclaycard…
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agrh - Creation Financial
Hey; Hopefully some people can give some useful advice. The below is written on behalf of my mum, not me: A few months ago I recieved a letter from creation financial stating that I owed them the sum of £100 for an Ann Summers card. I have never in my life taken an Ann Summers card out, after recieving daily phone calls I…
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living on overdraft
hi guys, need advice please. Ever since christmas i have been stuck and seems like am living on my overdraft money. Although I stick to my means and payb bills every month I have never quite come off the overdraft. It sucks when i recieve my bank statement and view that all of my balances are based on Dr none are Cr.. I…
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My former life...
Hi all I've been doing a bit of thinking about what my life *used* to be like when I was up to my ears in debt. Unlike a lot of you, I wasn't clever enough to use the MSE forums as a place of support and advice, even though for part of my deep in debt life, I was a member on here. So in case you think I turned up a fully…
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Have they broken the law?
I am entering a DMP with CCCS with all my creditors. I have today received through the post addressed to just "The Occupier" from Early Payday Loans, a letter stating if the loan amount is not paid in full within 7 working days, further action will be taken etc, surely they have broken The Data Protection Act by not…
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freeze interest while on dmp?
I'm in the process of setting up a dmp with cccs.. I just wonder how likely creditors would agree to freeze or lower the interest? Please could any of you have been through dmp share your experience? HSBC loan - £3400 Halifax CC - £3000(about £1200 cash advance) Barclaycard - £1400
