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Looking for advise please
Ok so firstly writing this debt down in black and white is going to be a scary thing for me... so here goes.... I have - £8000 loan £7000 loan £3000 credit card £2000 sofa £1500 overdraft I think it has never really been an issue before as I can afford to make my payments so never miss them (have only ever missed credit…
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Please help me :( I'm stupid, young and scared.
Hi everyone, I honestly don't know where to start here, but I'm in trouble with Natwest. About half way through my first year of uni (I'm now just finishing the second of a four year course) I joined Natwest for their Student account. I took out the £1250 overdraft and the credit card, and guess who maxed both.. Anyway.…
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Diary - Does it count as a lightbulb moment if your head's still stuck in the sand?
OK, so this is me. I have a good job, I earn reasonable money, I also have a lot of debt which I need to pay back. I don't want to give figures, I don't want to post a SOA - I'm not quite ready for that yet, I don't want advice at the moment but I will do shortly so bear with me. At the moment I feel like I'm spending all…
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Barclays Loan
Hi folks My car is old and I think probably not going to last too much longer - I work 23 miles away from home and so need it to keep my job and get to work each day. I have had one CCJ in the past, which is satisfied and due to be wiped off my file in a years time, other than that I only have a contract mobile phone on…
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Sorry another CCA question
First of all please let me say I'm not trying to get out of paying this debt. Brief history, had an account with Next for a few years, no problems, I was taken ill three years ago and am now classed as disabled, explained all this to them and they allowed me to pay £25 per month. Fast forward this May we had some trouble…
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What would be the best solution to clear my debt?
I accrued a 4k credit card while i was away travelling for two years. I had planned to do a balance transfer on my return, but due to having an 'untraceable history' due to being outside of the UK for so long, I am unable to get a credit card anywhere. I'm also currently unemployed, and while i was away i missed the odd…
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Advice Please !
Following a relationship breakdown, I have finally plucked up the courage to contact CCCS and am awaiting the DMP information pack. I am also in the process of opening a new bank account. I have been with my current bank, Lloyds TSB for approx 12 years and I have a loan and a small overdraft with them. I am not behind with…
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Newbie panicking
Me and my husband have just over £27000 of debt. This was a loan and 2 credit cards, and a couple of other things. We went with a DMP, with the CCCS. We are now paying £470 a month whereas previous we were paying out around £800 a month. At first it felt like ' yes we can breath again', but a couple of our creditors do not…
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Not giving out personal info on the phone?
Hi all I am looking for some help, i'm sorry if this is posted in the wrong section. Recently on here I have read that alot of people are not willing to give out personal info when someone calls them, e.g confirming name, address, D.O.B etc... I have recently had people calling me from mobiles asking me these things and…
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mortgage woes.....!
well this is one of my first posts (have posted the same question elsewhere advised to post here too) have been reading them for ages tho. dont know where to start??????? well im a recent graduate unfortunately i only achieved a 2:2 hons degree in management and hrm (0.6% away from 2:1 but uni dont inflate marks ,which i…
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Life is a real mess.
This is a long story so thanks in advance for reading. Between us, my former wife and I ran up some pretty serious debt (mortgage, secore loan, credit cards, overdraft). I estimate the total to be somewhere in the region of £100,000. The minor debts are being dealt with under a voluntary agreement, we've signed over the…
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Can I dispute this default date??
http://www.flickr.com/photos/52277632@N07/4818486990/ This is the only default that appears on my credit report and as you can see, the default date is way past the date I started missing payments, it seems like they have changed it themselves :S or I am wrong assuming that? Anyone know why my pic isn't showing up?? If you…
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Offering a lower final payment?
Hi all, I'll keep this as brief as possible. While me and the now ex were still a couple, I took out a mobile contract with O2 for her. After we split (and after her messing me around with regards to money she owed me) I had the phone blocked from use, and made an agreement with O2 to pay off the remainder of the contract…
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Advice re Full and Final settlement MBNA
I have a long standing balance of £4100 with MBNA which has been I think passed on to someone another company. I'm in aposition to pay a percentage on a !!!!!! basis. Can somebody help with a reduced figure that I should realistically achieve. Thanks i also have one with Lowell for £2700 any ideas/ Many thanks
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Any advice please?
Hello All.... I've lurked for several weeks after putting myself in one of the worst positions I've ever been in. Apart from the mortgage, secured debt and our cars I hid all of our debt from my husband. Being the main wage earner I thought I could cope but the pressure and guilt I was feeling was just too much and a week…
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Plan of action (tips welcome)
Having seen my credit score of 390 i plan to do the following. Sell my house - move into rented. Pay off my DMP and any other bits. Rent for a year will offer 6 months in advance and have no hp ect. Try and get back into the house market. Now do you think after a year and having a good deposit I could make it?:o
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help?
Need help and advice please, once again we find ourselves in this dire situation. Three and half years ago we were here and sold the house to release the equity and paid off MOST of the debts, we now rent what was our home and have ran up the credit cards again not through an expensive lifestle just day to day living. OH…
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mobile phone account opened by ex
Hi, I am stuck in a rather bad situation at the moment, needless to say really. I have recently received letters from a debt collection agency regarding a Vodafone account with an outstanding balance of £348.15. I have never had a Vodafone account, and judging by the address they have for the account it has originally been…
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make me rich
that will do it
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Council Tax Confusion
I'm in a bit of a pickle if anyone can help me. Background Whilst living in the house share, we had a 6 month period where we had no council tax bill. One then came through and we arranged to pay by installments on top of our monthly direct debit for current bill. This was a total of £329 (£212 for outstanding, £117 for…
