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What do I do now??
Hi all Ok so Ive been sorting out my debts of recent and all creditors have accepted my payments apart from Keyes Whitlock (originally a payday loan.) They keep saying that they will only accept £20 per month minimum and I just dont have that. Ive sent (and re-sent) the reconsider letter off the NationalDebt website and…
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Default Notice on Lloyds TSB Current Account
Hi there, I have a simple question, at least, I hope! Lloyds TSB issued me with a default notice on 18 March 2008, after numerous overlimit fees were placed on my account, which I could never afford (which started in 2007). The default notice is correct, and I am fine with that. However, the default on my credit report…
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Utility Bills Help Needed
I tried posting this on the utilities board but mainly got criticism and judgment. Hoping you guys will be able to help or at very least not be like those posters were. I recently moved due to ill health. I have severe ocd, depression anxiety and agoraphobia. I was very ill at the time of the move and could not attend the…
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Dealing with Debt
After having a slight meltdown and being called by debt collection agencies day and night I finally got the courage together to sit down and sort out all my financial mess. I've written to all the companies I owe money to using the National Debtline's letter templates asking them to hold action on my accounts while I sort…
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Unenforceable Credit Agreements
Are these for real ? , I have asked my debt collector's Allied International for an original copy of myloan agreement with Tsb, they passed this loan on to allied as i lost my job and my new job doesn't pay as well, could someone please clarify if I can get my 25,000 loan at least reduced ??? many thanks in advance Neil
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Joyous June 28th Daily Chat
MOrning all. Despite being quite poorly yesterday I am up and full of the joys this morning. Hope everyone has a fabulous day :D
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Monday 28th 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…
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HP missed Payments = CCJ
First post here guys - be gentle! I have a car on finance with Ford. I missed some payments and ended up with a CCJ from Link Financial. :mad: My question is, do I still have a right to return the goods and terminate the contract or ccj? Or have I surrenderd that right due to getting the ccj? Im going through debt…
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Met Parking Chasing B/f
argh...a while back my boyfriend sold his Clio to a guy off eBay..however me being daft as a brush forgot to send his DVLA paperwork off and ever since the car has been registered as in my b/fs name despite the ebay guy driving it! God knows why the buyer did not check to see if he had received his log book! Anyway...since…
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Halifax are driving me nuts!
Argh could somebody give me advice on Halifax please? Basically I only graduated last year and run up a £500 overdraft. I agreed about 2 months ago to start paying it off with a monthly payment of £150 and also, they agreed to uplift my o/d to £750 to cover waiting for my payment and for any charges. But this got out of…
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New baby on the way, partner has major mortgage shortfall debts, advice plse!
Hi everyone, I'm after some advice please.. I did enter a post on the bancruptcy section of the forums a while back, but I think I was jumping the gun slightly! Anyway, any advice gratefully received... I'l kick off with my situation. I've got a fairly good income, £33k and a mortgage on my own home. No financial…
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Big help needed!!
Me and my hubby are saving to build a house. We currently are paying off a loan of £20k which we manage to do quite comfortably. Along with this we currently owe about 10k on the dreaded credit cards:( My husband has been short paid from wk, and is due to get a lump sum of approx 10k soon. If we use this to clear the ccard…
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Advice needed urgently
Hi I stumbled across this site and really hope someone can offer me some advice. From the age of 18 credit was thrown in my face and at 29 I owe roughly 32,000 pound and decided in 2006 that I was getting into more debt trying to keep up repayments and simply stopped paying all of my creditors who are I stupidly got a BT…
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Whaere do we go from here?
Hi, Need some advice as we are coping at the moment but tettering on the edge!! We have £10,000 on a bk of scotland credit card £7750 on a RBS credit card £20,000 Loan £1800 overdraft. My husband has a good job and need and we should be doing really well, he also should get a yearly bonus. I knew about the £10,000 but…
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Parking fines got to civil enforcement stage. Please help!
I moved house last year and changed address on everything apart from the DVLA. Idiot I know; I overlooked it. This week a friend from the old house brought round post for me, some nine months old. There were two blue parking ticket letters from South Wales Police (from Nov 09 and Jan 10) both asking for £30, and what…
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Urgent Help Please!!
Ok well to cut to the point, my mum tried to commit suicide last night. The main problem appears to be a lot of hidden debt that she has basically been ignoring. Ive sat and opened months worth of mail this morning and it seems shes in about 40k worth of debt spread over a few places. Mainly 20k to RBS, 7.5 on council tax,…
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PRe-Baliff letter
Hi! To cut a long story short a PRE-BALIff card just with my partners name and a number to contact was posted to my partner ( with completely WRONG address details last week. It turns out it was due to a late payment we had arranged from a CCJ (because my partner was in an accident we forgot, silly i know!) This is what…
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1 Year challenge to boost my credit rating!!
Hi everyone! Right.. I've decided to take it upon myself to try and drastically improve my disappointingly low credit report. After 4 years as an ignorant (ignorance is bliss, right?!) student, I have given myself an awfully low credit score. Now, after reading up on credit scoring loads, I know that there is no such thing…
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Weekly Spend Challenge W/C 28th June 2010
Hello everyone . Welcome to the weekly spend challenge. This challenge is open to anybody, no matter what financial place they are in. On this thread please post an amount of money you wish to stay below within the week (Sunday to end of working day on Friday). This can be pennies or thousands it depends on the individual.…
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Just dreaming..
Like many others on this forum I have some major debts on credit cards. Over the last 6 months me and OH have managed to get all the cards up to date in terms of payments, we have even (with terrible credit ratings) managed to move some debts to lower APR's and in some cases even no interest for a few months. I have two…
