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Any help would be great xx
Just wondering if someone could look at my SOE and see if I can change anything. Other half lives in my house, he pays phone bill, £50 of groceries and gives me rent other than that nothing so haven't included his wages or outgoings. Thanks xx Household Information Number of adults in household........... 2 Number of…
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Finally decided to get my life in order and get debt free!!!!!!!
hi all, this is my first post and after struggling for the past few years hoping that my ever growing debt mountain would get smaller all on its own i have finally decided to face up to the fact that the only person who is going to fix things is me!!! so here goes INCOME my monthly salary £1950 my wifes salary £750 child…
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Career change left me in dire straits!!
Hi... I recently left a job as Cabin Crew where the money seemed to roll in, even though my salary written down was £15,000 I was paid y the hour on top while away. So a week away could result in me being paid up to £2000 net a month. within this time and also through my OTT lifestyle in the past I have managed to build up…
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not too sure where to start
Hi everyone, I am new to the forum so forgive me if I am posting in the wrong place etc!!! Throughout university and during my 2 years since I have graduated I have racked up a bit of student debt....with the lack of decent graduate jobs arounf I am working in a job I really like but I ak earning a poor £12,300 PA which…
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Lloyds Credit Card - Default Notice & Incorrect Charges?
OK, I'm battling Lloyds again! I got a credit card Feb 07. 12 months ago, Lloyds made a processing error, costing me money with late payment & overlimit charges with my current account. They basically cleared my account and it took nearly 2 weeks to get the money back. I got a refund of the money they took, or rather was…
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Debt Free Help
Hi I hope someone can advise me I have stupidly got myself into £6500 worth of debt. £3500 is on my mbna card which is interest free until march 2011. I have asked for an increase to £6500, but have been turned down so the other £3000 is on. my halifax overdraft. I'm planning to pay back around £250 per month. Has anyone…
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Jacobs Bailiffs!
Hi there, I wonder if anyone could possibly clarify something for me concerning Jacobs Bailiffs? They called about 6 months ago regarding unpaid council tax (my own stupid fault!) - I was out at the time so thy left a demand for payment and to call them. I duly called and the man I spoke to said that I had to pay £200…
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Its gone too far
When i left school, over 10 years ago. I applied for every loan and every credit card i could and maxed them out trying to keep up with my cool rich friends. Now 10 years on, i am on a debt management arrangement with a company called Debtcare but i am unsure whether they are ripping me off. My husband doesn't know any of…
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Rockwell 20k Loan Update Query
I posted another thread recently about a 20k loan I have with Santander, ive fallen way behind with the repayments and they passed it to Rockwell Debt Collection Agency to "collect on their behalf". I phoned Santander today, and in actual fact they have sold the entire loan to Rockwell. So, my question is for all the…
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Overdraft Problems
Hi, As it stands I have a flexi loan with HSBC with £1891 left on it, with £40 a month fixed repayments which is fine. I also, however, have a £1000 overdraft with HSBC which I am struggling to reduce due to it not having a fixed repayment. I have tried to take out loans with different banks to try and have a fixed payment…
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Welcome Car Finance
So I'm in work and get a letter posted on Friday saying sorry missed you please contact from some random number. I ring and it was a company coming to reposses my car as I'd missed a payment previously, even though i'd paid my instalments since.. I'd received no notification, and to top it off they said they can't take the…
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Advice please- loan consolidation
Hi All, Any advice would be much appreciated as I really am feeling like Im stuck in a vicious circle at the moment. I need to consolidate my loans, credit cards and overdraft into one loan but this is proving to be similar to finding money that grows on trees! I currently bank with Barclays and have done since 2001. I…
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Early settlement advice
Hi all, I have had a DMP for a couple of years now, paying £193 on Lloyds Tsb loan, credit card & overdraft, currently owing about £17,500. My family have offered to lend me an interest free loan of £8000 to pay this off, & was wondering if this offer may be to small. Any advise greatly appreciated:beer:
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Agh I'm paying off my debt!
So I've got some halifax credit card debt, it's not too old, 6 months or so. But it was £2000 plus interest etc. Today I logged into my halifax current account and they'd taken £451 out! When I rung up it was taken by collection agency called Blair, Oliver & Scott. So I spoke to them and agreed that when I get paid on the…
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Paragon Car finance
Hi there, this is my first post. I took out car finace with Paragon on 18/10/2000 for 60 months and i defaulted on oct 2004 i just today got a letter from them asking me to contact them to discuss the account, hmmm me thinks not. My question is this, is the account SB im based in scotland and they are in England. Also i…
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When is it time to say enough is enough?
For the last 4 years my OH has been trying to build a gardening business but for the last 2 years we have had the most horrendous time due to recession and a family member who came into the business to help out and then became greedier and greedier before baling out on us. We found ourselves living on credit cards hoping…
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I'm back!!! After clearing my debts i'm in a bit of a mess!
I managed t clear my debts a few years ago much to my joy! Sadly my marriage has broken up and i'm now a single parent living on benefits and i've got myself into a bit of a mess again. I'm so annoyed with myself. It's been a hard year but i've taken my eye off the ball and now i'm in a bit of a mess. I owe: £1000 over…
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FPC Debt Recovery Help
Hi.... does anyone have their address? I cant find it on the web??? x
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How to get a balnace trasfer from a debit card onto a credit car?
I'm have a large debt on a debit card that has built up over the students years. Its a barclays current account debit card. I graduated 2006 and have tried slowly to pay off the debt but as i'm getting charged a whopping £30 a month for this i find myself in a 'no win situation'. I've been trying to find ways of…
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Can someone help please?
Im writing this on behalf of my parents, they dont know Im writing - but im sure they wont mind. My father has been made redundant, he is currently recieving Job Seekers Allowance, which is the first time in his life. ( He is in the process of trying to claim his owed redundancy money - which is proving difficult!) He owns…
