Debt-free wannabe

Discussion List

• Gothia and Property Charging Order - Help please!

  Hi, I have received a letter from a solicitor called Largo Law who are acting on behalf of Gothia (who I had never heard of until this letter). They are claiming that I owe in the region of £4000 for a debt on a car I bought in 1995. The debt they say is from 1997, I presume thats when I last made a payment. It is no…

• needing advise on my mothers debts

  I wonder if any one can advise me on the best route to take regarding my mothers credit card debts. Some background info for you firstly, My mother has around 6 credit cards all of which have increased her interest rate to between 30% - 40% over the last year, she is self employed and as such her income has seriously been…

• 1st credit offer letter

  hi there, i have a very old debt from one of the big banks being chased via 1st credit. I havnt acknowledged this debt in years, but still they keep the letters coming (actually in my maiden name too-its something i got into when I was much younger) anyway, they are offering me a massive 90% off my debt if i pay in…

• Lowell Financial...confused!?

  Hi, about a year ago I started getting letters sent to my parents house (I havent lived there since 2004-ish) from Lowell Financial, saying I owed £118.52. It said the original creditor was abbey ltd. Now I am confused, as I havent had an account, loan, mortgage or any other type of credit agreement with abbey since I was…

• Are debt collections agencys entitled to charge inerest on debts.

  ..............? thanks.

• The very late Daily chat! Tues 15 June 2010-All Welcome!

  Hey! Where is everyone????? Work for me today then home to sort house out...:o How is everyone today? Hey Pepe-I just got tickets for CamperJam 10-you coming?

• Making Copies??

  Hi everyone, Was wondering if you could help with this - 2 weeks ago I wrote token payment letters to my creditors. I made copies as everyone says you should, only thing it has just dawned on me I may not have done this correctly. I printed out 2x copies of my letters, signed both, sent one copy to the creditor and kept…

• santander

  Hello I'm wondering if anyone has applied for a loan with santander recently as I've heard some bad reports of people being refused very often, I was thinking about applying with them, but since I've heard bad reports I'm not to sure who to apply with any ideas on a good option or do you think I should still try santander?

• First time debt after car accident.

  Hi Guys, I can't believe I am posting on here, I never thought I'd be in this position. I am £419.54 in debt on my credit card with 22.90% APR. My 0% for 9 months new card should arrive soon so I can transfer the balance (I assume this is the best thing to do!). The reason I am in debt is because I had a car accident in…

• Long time no see - Advice needed

  Hey all, It's been such a long time since I have been on. Little update, I have a job now which I didn't before. 6 month temporary contract but it's in admin and I am 85% sure I am getting kept on because I have made myself an invaluable assest to the company (and I am the only one who knows where everything is in the…

• Tues 15th June - 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 feel that we are not making the same amount of progress, when…

• Overdraft Charges

  Hi, I'm new to the forum and sorry if I have posted in the wrong thread. I was wondering if there are any template letters on the forum that I can send to Natwest to try and freeze the interest that I am paying on an arranged overdraft. I have been to speak to them and they say that they can not help me unless I go over my…

• Am I the beneficiary in a will?

  And, if so, how do I find out? Lost contact with my brother/sister and think my parents are deceased. What can I do to see any will that exists?

• More information than I wanted....

  ...I'll gloss over the details, but I had to ask for directions to somebody's house recently and got a rant instead. The person I asked claimed to be my host's landlord, and demanded I pass on the message that he wanted his rent. I said absolutely nothing, and I've said nothing since. Well, until now! My preferred course…

• Are these Bailiff fees correct?

  Please can someone in the know advise me as to whether these bailiff fees (Rossendales) are correct. Visit fee 1 £24.50 Visit fee 2 £18.00 Levy fee £52.00 (car) Sch 5 Head H £24.50 (what on earth is this?!) Attendance with van £110 I've been hunting on the internet but struggling to find information (or information that I…

• Debt Consolidation Companies

  Hello I'm a new debt free wannabbe, and new to the site. Finally stepping up to the challenge of getting rid of the weight of debt holding me down. I've investigated consolidating my debt into a loan but hae been refused. Off of the back of that various companies have tried to sell me a debt consolidation agreement where i…

• New debt free wannabe!

  Hi all, Just entering into DMP with payplan. I was really scared about initially phoning them, but they have been great!:beer: I've only got as far as the first long phone call... and now opened new bank account. The staff have been nothing but helpful so far. Still nervous about the next couple of months.... but payplan…

• When will I be on the electoral roll? Bad credit history

  Hi guys, Not sure if I am posting in the right place but I applied to be on the electoral roll with the council a few months ago and equifax is still showing that I'm not on there at my current property. I am trying to improve my credit file as I have a REAAALLLY BAD credit history so I was going to attempt to get a credit…

• Vanquis advice

  Ill try to be straight to the point. I havent paid my bill for nearly 2 months and they keep ringing me all the time. I cannot afford to pay what I owe them, Im not working right now and could probably only pay £10/month. Has anyone tried to negotiate with vanquis before? what were they like?

• Orange/Moorcroft and an extra £140! Please help?

  Right after some studious avoiding of the post-mountain I have finally got round to opening most of it this afternoon/evening. I owed Orange £399.65, it probably should be less than that actually but I truly do not have the emotional energy to fight about it, so I will take it on the chin at £399.65. Then Moorcroft got…