Debt-free wannabe

Discussion List

• RBS left defaulting account until nearly paid off!!

  Does this seem harsh to others? I've been dealing with the CCCS for a year and a half now and it's been very smooth. One of my debts was to RBS for £1400 on an overdraft account, they agreed the reduced payments and all was fine but I notice from my credit record that they didn't default the account until it was down to…

• Which Debt Help Company?

  Hi there,I have got myself in some debt that I am struggling to repay due to some unforseen circumstances.I owe around £5500 to around 8 creditors and they are mainly payday loans.I want to pay my debts off over a longer period of time and see all these adverts for companies that can "help".Does anyone know of a reputable…

• Debt help and advice please... :cry:

  Hi there, I am looking for some advice, and after reading quite a lot of posts, believe this is the best place to ask. I took what can only be viewed as a poor business decision just before we went into the recession (I invested in a SUBSTANTIAL amount of top of the range (RCF) sound equipment to assist in my DJ-ing and to…

• Debt Situation After 8 Years

  The situation is that I left the U.K. in 2002 and moved to Portugal, one of the reasons I left was that I had a lot of unsecured debt (credit cards and loans) at the time. I am wanting to move back to the U.K. next year and obviously I am worried as to what the situation is with these debts. I have had no contact with any…

• Am I missing anything?

  If I've done my maths correctly (and I've triple checked the figures!) I'm going to have around £500 spare this month... Thing is, I'm moving 17th July (woo!) so my figures have been based on paying a full months rent on 1st July for my current home (rent for new place and deposit has already been accounted for) Now, my…

• 'Full and Final settlement' advice please

  1. I have recieved a letter from connaught collections titled 'last low discount opportunity', which says WE PAY 60%, YOU PAY 40%. However, the letter does not state that it would be a f+f settlement. It does not clearly state that the remainder of the debt would be written off and marked as settled. I am going to phone…

• Credit Scoring

  After being refused credit for car finance last week I have went online and got my free credit report from Equifax and have a couple of questions regarding the report. 1. Orange Mobile Phone - in 2004 I defaulted on payments and these were a few months late - how long will this show on my file as this is obviously…

• i need help quick

  hi right im in about £19000 between me and my girlfriend (15k of it is a car wich i dont own anymore) i need some way of getting out of it that doesnt invole me paying out £500 a month for the rest of my life i really have no idear on what to do i now the difrence between a DMP and a IVA (i think) but which company to go…

• Update on DMP since 2007.

  Thought I'd post this here too, hope that's OK :D . Hi Everyone, just thought I would pop in, say hello :wave: and give a quick update on our DMP. Nice to see some familiar names, big hugs to anyone who remembers me. We've been on a DMP with Payplan since Sept '07 and since then have reduced our debt from £104,000 :eek: to…

• Collection agencies legal position

  Can anyone clarify what the legal relationship is between credit card companies and the collection agencies they employ? Do the agencies buy the debt, or are they working on commission, or some other arrangement? Is the CC company still involved, even? At the moment, I'm getting letters from both! Thanks.

• Just received a card

  Hi, I have just received a card from MBNA consumer credit which I assume is regarding my outstanding balance. It States: Dear XXXX, I have important information I need to discuss with you. This card is notification that I will be calling you week commencing Monday 14 June 2010. If you would rather contact me, please call…

• reasonable creditor requests???

  Hi All, Just want to pick all you clever peoples brains.....Quick background... Im self employed, I went to Cab in september with massive debts and couldnt afford the min payments, Cab wrote to all 7 of my creditors offering £1 token payments until my circumstances improved. Since september I have been making cutbacks and…

• What is the minimum amount a debt collection agency would file a CCJ against you?

  Anyone know what the minimum amount a debt collection agency could file against you in a CCJ if they wanted to? Reason I ask is I have broken an agreement to repay a loan as I lost my job after December and have only got back into employment recently so I was unable to make payments. The debt is £550.00 and the company…

• full and final offers and debts help!!

  im in debt by around 9k i only work part time and am having serious issued with my debt i know its not a huge amount but it is getting to me now everyday i wait for the calls and letters and ive had enough my brother has offered to lend me 2k i just wondered what the likelyhood of any of the following offers being accepted…

• Electoral Roll...HELP PLEASE???

  Hi guys, I applied to be on the electorall roll a few month ago and when I checked my credit file, it still shoes 2008-2009 on electorall roll but where it says current, It says yes(that I am on the electorall roll). If I was currently on the electoral roll would it say 09-10 or 10-11??? I hope someone can help as I'm…

• Tesco gave me a CCJ

  First time post as I want to pick a few savvy brains on here. Back in 2006 I had a car accident which was my fault and meant that my insurance company (Tesco) had to pay for the claim of £4000 In short Tesco took too long to pay the claim and I ended up getting a CCJ through no fault of my own. Once I told Tesco that I had…

• Metro Collection Services/Debt Revenue Services

  Hi All, apologies if I have put this in the wrong place. . Apporx 6 years ago I lost my job and was out of work for a year. Consequently I had a couple of debts go to Metro Collection Services and Debt Revenue Services. I have been paying these off by standing order but I wanted to find out how much I still owe.…

• *Wonderful Wednesday Daily Chat-Welcome Along Everyone!*

  :D :D:D:D:D:D Happy Wednesday all! I have had a wonderful start to my day today-a stunning bunch of orchids delivered from an anonymous Wonderbra:o:D:):A I can't tell you how much it means to me-my eyes really haven't stopped leaking all morning. Which every one of you has done this, you have honestly made my day, my week,…

• New to Forum, New Saver and New Life!

  Hi all, I am joining the forum for a bit of encouragement in watching you all get debt free to inspire me on my journey back into the black! We have amassed some debts following our wedding, buying a house, buying a car, getting two big dogs who we adore and we had planned on spending the next two years paying off our…

• Disputing a debt Help please

  Hi all I'll try and stick to the bare bones but my whole situation is very complex but this query is just about a very tiny fraction of it but if i can get it sorted asap then it is one less thing to worry about. I left my husband for various reasons and the whole thing is very acrimonious but he did say he would help out…