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Soa new needs help i think
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 3 Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 1170 Partners monthly income after tax....... 1275…
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Help with bailiffs pls
Hi Alll, Iwould just like some advice on our situation please. I might waffle a bit so please bear with me. Basically I met my other half 8 years ago. She was in the process of divorcing her husband and lived in a council house in Telford. They had been apart for about 6 months then when he found out she was seeing someone…
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Sorting out the finances after uni
Hi all. First off sorry if this is in the wrong place. I finished uni nearly two years ago, but have finally got my first "proper" job three months ago. I now want to get my finances sorted after the nice mountain of debt I have after uni. My loan I'm not worried about as I know I shouldn't be really. It'll pay itself off…
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FOS Conclusions A Joke / Advice Welcomed
Hi Guys Remember me telling you about finally getting somewhere with my compalint to The FOS regarding Halifax, well I've had a huge set back today. You may remember me telling you that I had a call from Halifax who agreed to set up a repayment plan and refund all charges and interest, well that still stands, but I have…
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Desperate
I dont know where to start. Today i worked out my credit card debt totalled £13,000. I am shocked, mortified and desperatley worried. My husband knows that we have credit card debt but not how much. I am so ashamed. We got married three years ago, bought a new home two years ago and i gave birth to our first baby a year…
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Buy My Debt
Hi. Has anyone heard of "buy my debt". They claim to buy your debts for a 10% fee. Once the debt has been sold to them, they say you are no longer responsible for it and creditors cannot chase you for payment. It all seems to good to be true. I find it hard to believe they buy your debt for a fee - you could cut your debt…
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Complaint to Natwest
Hello Sorry if this is in the wrong place. Can anyone tell me where i need to send my complaint to for Natwest? Thanks Danielle
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Can you contest a default?
If you wasn't made aware of it? Firstly,I know I've been so naive but I really didn't think this would happen and I know I should have informed the catalogue of my change of address, like I said I didn't think this would happen, like a fool I trusted her Basically, my ex was an authorized user on my catalogue account, when…
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Tomlin Order/Consent Order - Help please!
DVLA have agreed to a tomlin order/consent order to be sent to the court regarding a CCJ from 5 years ago, where the summons was sent to a mis-typed address. Thing is i wouldnt know how to start writing one. Can anyone help? i believe the terms are that if i (a) pay the fine and (b) dont persue dvla for costs then i DVLA…
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Had a card from Aegis saying they're going to call at my house! What do I do?
Will they really come or is this just a ruse to get me to call them?
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credit card swapping
hi again...I have a 24% credit card with 10k balance. what are the chances of swapping to a lower int rate if: 1) I have been declined a loan to consol it with other debts 2)I am over committed. my credit rating is sound...too. hope this makes sense. thanks:)
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Help needed urgently
I have a DMP to pay off my debts (I do this myself not through a debt management company) but I have been using a credit card to help pay utility bills and food shopping. The £40.00 they allow me doesn't seem to cover all the shopping for myself and for my dog. Not sure what to do now as I am in debt with the credit card…
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Government Mortgage Rescue Scheme (MRS) - Which LA, Lender & HA?
More and more posts are being started about the Government Mortgage Rescue Scheme (MRS) (mortgage to rent) and whilst it is great to read about the different experiences, I wondered if people who be willing to share some basic information about the process on one thread? What I had in mind was if we shared which local…
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Advice for a lurking newbie please!
Hi everyone, although I haven't posted before I feel that I know you all already! I've been following your advice here for 2 yrs and am nearly, nearly, nearly out of the debts I built up taking a year out for maternity leave, and returning to work part time, yet continuing to spend a full time salary :eek: I've got £1,265…
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Vodafone - Mobile Broadband
Hiya Not sure if this is the right board to be posting this but thought i'd start off here and maybe someone will move me elsewhere! My OH took out a mobile broadband contract with Vodafone for our laptop for 18 months, which he subsequently had for about 23/24 months. We bought a computer and installed normal broadband so…
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What has happenned to people's character?
Since the Second World War our parents tried to build a better world. Unfortunately they overcompensated for the past and brought up too many of their children too softly and without enough discipline. So NOW we live in a UK world of gutless, weak, no strength of character and people lacking in moral fibre; why is this…
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Sorry if this has already been asked (experian free trial)
Ive just joined experian with the full intention of only staying for my 30 day free trial and not paying anything.. Are there any problems with cancelling? do you just phone up or email or do they want something in writing? how many days notice do i have to give them, i.e do i do it on the 30th day or the 20th day etc..?…
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About to help a friend
A good friend of mine has come out of a divorce with no house, car and in the region of £40k of debt from what I understand to 5 card companies. To be blunt they are not the most astute when it comes to finances and I would really like to help him out by getting this debt paid off so he can get on with his life. I've asked…
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New Bank Account for DMPer?
Trying to sort everything out, have o/d with current bank and want to put this on DMP and open a new a/c where we don't owe money. I like to have a local branch and living in hicksville it doesn't give much choice. Having had so many problems with Lloyds in the past - and them making the debt problem so much worse with all…
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RCM - Dodgy Debt Collectors?
I'm tackling some debts for a friend. Just last month, a company called RCM contacted her, via a bright yellow postcard, with some info but not many details. (RECEIVED 22 JUNE 2010) It stated someone would be visiting the family home on Tuesday (that day, from what I remember) between 9am & 9pm. The contact listed was M…
