Debt-free wannabe

Discussion List

• CCJ MBNA/Restons-Help needed please !!!

  Hi Myself and my partner have approx £37k of unsecured debt. We are currently on a DMP through Immediate Financial ( part of Money Expert) in the beginning most of our creditors were being fair and accepting a reduced payment. I know they won't do this forever as since we started the reduced payments in Sept./Oct 09 a few…

• A couple of questions

  I'm after some advice over an old debt which I'm still paying... I've gone through all the paperwork I have and here's a brief summary Years ago I (stupidly) took on an HP agreement for a car. Within a few months my circumstances had changed and I couldn't make the payments. I wrote to the company involved and asked if…

• Please Help

  Hi, I am trying to sort myself out so I can get a joint mortgage with my boyfriend, and I am in need of a couple of answers to help, Firstly, I have a formal overdraft on my account which I use every month, will this be affecting my credit rating or is it only when I go over it? Secondly, once I have cleared my debts, how…

• Debts getting to a worrying level

  [FONT=Arial, sans-serif]I took out a loan in 2005 with HSBC to consolidate an existing loan, credit cards and store cards. This loan is due to finish in September 2011.[/FONT] [FONT=Arial, sans-serif]Shortly after agreeing this loan my partner and I spilt up leaving me with all the bills to pay and a rental agreement I…

• DMP Not reducing

  Hi, I have two questions please. We have been on a DMP with CCCS for 18 months now and have paid around £9,000 but our balance has only been reduced by around £5,000 due to charges and interest, Barclaycard in particular are charging £126 of interest every month on a balance of just over £6,000. I have written to all of…

• Buy/Rent back????

  Out of interest, have anyone due to debt/mortgage/arrears gone for the option of buy and renting back? Over the months, I have read different stories on this, but I do also hear that they now have to be regulated by the FSA. I understand you have to be careful and realise there are other options as well, where this would…

• Credit Resource Solutions Ltd. Scam?

  Hi there, apologies if this is the wrong place to post, but here goes.. I've just received a letter from above mentioned company stating that they have been instructed by their client to attend the property prior to legal proceedings. All very strange and unexpected, a few things to note I rent the property (a furnished…

• add partner to deeds

  I would like to add my partner onto the deeds for my house, there is no mortgage. Any idea how i go about this and any costs involved?

• Looking Far Far Ahead....And Not Seeing Alot

  Hi All, Firstly a bit of background. I am 27 and got married last month to my man of 7 years. We have a son who will be 3 in the next few weeks. I manage all the finances in the household (monthly bills etc). We are in a DMP with Payplan. Basically I tried to have a conversation with my husband the other night and got told…

• CCJ while on DMP

  Please help - I'm very worried. I have been on dmp since September but now have a ccj against me from mbna. Through my dmp I pay them £90 pm but the court has ruled I need to pay £360pm. I filled the court forms in with the budget etc used with cccs so how have the courts decided on such a high amount? What can I do?? Any…

• linked addresses credit rating??

  hi have been signed up to get my credit report alerts from equifax for a while and yesterday i got an email saying that there had been a change to my linked addresses on 3rd of june. when i checked it, it was showing as my brothers address where he hasnt lived at for 9 years in a town 4 hours drive and where he used to…

• Info Required Please

  Hello, I am a first time poster, and wonder if anyone can give me any info or advice on my present situation ? I was in a mountain of debt a few years ago, and registered with the CCCS who were very friendly and helpful. I think I owed around £30000, I paid them for around 2 years, and the last I checked (which was a few…

• help please

  hi i have just recieved papers from shoosmiths for going to court, a ccj likely, on a £ 16000 joint loan ....................my question is i am offering a payment of £75 a month do you think this will be accepted my the court ........... ex partner dealing with his part of thr loan through payplan can they still come to…

• just what I needed

  Not posted much, but I have been reading a lot. Just getting things sorted with Payplan and this week the phone has been ringing off the hook. Its more stress than I need at the moment. I know Im in debt but Im taking steps to sort it. Had the charming people from "Reliable collections" ring me this afternoon, and…

• Help, advice wanted

  I'm after some advice over an old debt which I'm still paying... I've gone through all the paperwork I have and here's a brief summary Years ago I (stupidly) took on an HP agreement for a car. Within a few months my circumstances had changed and I couldn't make the payments. I wrote to the company involved and asked if…

• Help with snowballing

  Hi I have tried to do this on makesenseofcards but I just cant seem to get my head around it. I have a A&L card @ 34.9% (:eek:) The balance is £1618.34 and my minimum payment is £45.16 I am currently paying around £135 a month off it, but I cant work out how long it will take me to pay off at this rate, its giving me a…

• Credit report advice

  Hello all, I have just checked my credit report from experian, and only 4 of the 12 creditors of mine are recorded. Where are the other 8? I have not paid anything to them for a couple of years? Of the two CCJs that I have, one status is: Satisfied Judgement and the other is set as Judgement.? I have never paid one and the…

• Liverpool DFW evening...

  Hello, Anyone from Liverpool interested in a DFW evening get together? I live in the city centre, close to the Albert Dock. I'm thinking some time in August... I can host about 30 people! Just an idea :D

• Soa help

  Hi any help with this SOA Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 3 Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 1085 Partners monthly income after…

• Next claiming they haven't recieved my CCCS payment HELP!

  I am in a panic ... I just had my NEXT statement through and it says they have not received any payment from me. I started my DMP with CCCS in May, I paid my first CCCS payment on 1/5/10 and they made the distribution to my creditors on the 25th May. Next had agreed a reduced payment of £7 and this was required each month…