-
Had light bulb moment
It has taken me quite a while for the light to go on but a couple of months ago I realised that I was not opening the credit card letters and with a sick feeling in my stomach I added up the debt. I have been reading these posts and I think I will be able to tackle this situation better if I receive some support on here. I…
-
Decisions, Decisions!!
Good afternoon all! This is my first appearance on such a site... where has it been hiding all my life!!! Ive got a few decisions to start making. I want to get engaged v.soon, but i also dont want any money problems. At the minute i have around 7k of credit card debt, on a few cards at the normal high rate, would it be…
-
Which companies use which credit report companies?
I've tried a few google searches on the internet but can't seem to find what i'm looking for. A while ago i came across a website that listed the main banks and credit card companies and listed the different credit report companies they used while doing a credit check. Does anyone have a link to a table like this? Cheers…
-
university fees
dear all i left glasgow university in 2003. This week i receive a letter from debt collection agency for £4000 in unpaid tuition fees!? This is the 1st notification ive had of any such debt- now in july 2010. Does this fall within statute of limitation. In any regard i am certain it is a mistake. thanks
-
Need to sort my credit and get debt free
Hi This is my first post, so please be a little gentle! I have started lurking on these boards as like everyone here I want to get debt free. We are in the middle of moving house - this is how we have got into debt as I've had to borrow money for fees and such like. I know ideally we would have saved before moving, but we…
-
Unenforceable loans
I am currently looking to use the template letters on this site to ask for terms of agreement from my creditors. A quick question - Why does it say sign digitally in the template? I would also be keen to hear from anyone who has been through this process previously.
-
Credit card Debt and outgoings more than incoming!
Hi There, Im a single female in my late 20's with credit cards debts currently at £5000. Recently my job had come under threat and i had to take a pay cut or lose my job altogether so i opted for the pay cut -which means now after taxes im clearing less than a 1k a month! i live alone renting privately with a monthly…
-
DCA's recording calls
This is an issue i never see debated on any consumer/debt forums really & feel that its about time it was spoken about.... DCA's always say when they ring you that the call is being recorded. Firstly - are they allowed to do this by law? I ve had DCA's phone me in the past & throw a big strop when ive told them that i was…
-
Don't Know What To Do... Help Appreciated
Here's my SOA: Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 0 Number of cars owned.................... 0 Monthly Income Details Monthly income after tax................ 841.47 Partners monthly income after…
-
Is There Still Free Money From Cashback Clicking?
Apologies if I am posting in the wrong place, this forum baffles me at times! Some years ago I used to make £150+ per month by doing free clicks etc across a range of cashback websites, I used to do an hour a day. Over time due to other commitments I have stopped the ‘free clicking’ but am again in need of boosting my…
-
Selling up to pay off debts??
Hi all not been on this part of the forum for a long time but im back here asking for your thoughts again. Quick reminder been on a DMP for about 6yrs and been in the main part a good plan and current pay in £450 a month apart from Natwest who would not except any payment plan and went for a charge on my house, they never…
-
How much would you pay per mth?
We have one credit card left to pay with £1200 on it. I think we should pay £400 off each month (will take 3 mths to pay) and budget over the next few mths. DH reckons we should pay £200 off each month (will take longer) and live 'comfortablly' We have had soo many arguements over this so thought I would post on here and…
-
Ideal World Flexi Pay - Credit check?
Hi, I was going to buy something for the house from Ideal World and they offer flexi pay over 4 months - wondered if there would be any credit check run? how safe is this? I have budgeted for this purchase and I will be able to make all 4 payments so wont risk defualting on it. :) thanks in advance.
-
my soa. any help
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 0 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 800 Partners monthly income after tax....... 0…
-
Perhaps getting everything off my chest is a good first step....!!
Hello everyone, Can I just start by saying that if you're reading this looking for advice then perhaps stop reading now as I've just realised just how usless I am with money. I've thought in the past that I've had my lightbulb moment but clearly not as I haven't been strong enough in my actions with trying to clear my…
-
My SOA
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 1 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 400 This is set to go up by the end of August. Partners…
-
Can defaults be removed from your credit report before the full six years has passed?
Hi, I read on a website that you can ask companies to 'kindly' remove default notices if the defaults were for very low amounts - is this true and has anyone done this? The website also said that if you claim that you did not receive the offical notice, you can ask to have the default removed. I honestly can't remember…
-
overdraft debt
Hi I left university 3 years ago. I went overboard and opend 3 bank accounts with overdrafts. The interest free overdrafts have now finished and i am being charged £1 per day from halifax with whom i am in an overdraft of £600, similar charge with Natwest with whom i am in overdraft of £1000, and hsbc with whom i have an…
-
Unenforceable Thread...
can someone help me find this thread please? I'm sure I saw it in here and could really really do with finding it! I've been looking for ages!! Thanks lovely DFW! :D
-
Debt now spiralling...any advice?
Hi - I've been able to meet payments on credit card debts and pay bills etc. Then today I got a phone call from a credit card co (egg) saying the interest charge (not my spending) has put me over the limit and there is a £16 fee on top for going over the limit and they want an extra £100 pounds paid urgently on top of the…
