-
Free debt management services
Been looking into the free debt management services, which give you advice about dealing with your creditors and solutions for becoming debt free. I have just seen that the top free debt management company (National Debtline) is supported by the main UK Creditors. How can this be an impartial service if they are run by the…
-
Requesting Credit agreements
I am hoping for some advice... I have been through the motions of the letters etc for requesting credit agreements, and have had one debtor say they dont have it and will leave me alone etc and the others haven't come up with the goods. I have sent all of the letters and have not heard anything for ages. Should I be…
-
My SOA really need help please
Yorkshireboy showed me this and suggested I post here. My wage stops in August so I haven't counted it. We also get DLA for both me and my son which I haven't included as my sons is in for renewal now and mine is due in 10 months. Thanks for any help. Statement of Affairs and Personal Balance Sheet Household Information…
-
Time is my enemy
Last year in January I started my own electrical business not realising what was about to hit the country, suffice to say when the resession hit the building industry was badly affected, I sunk 10k in to business and didnt draw a wage for 12 months. By the end of the year I wasnt just up to my neck in debt I was using a…
-
Full and Final Settlement Acceptance Letter
I have today received a letter from Independant Finance accepting my full and final offer to them. 'They confirm they will accept my offer of £**** as full and final settlement of the loan. Once this payment has been made you will be released of any liability for this loan and your credit file will be marked as account…
-
CCJ help
Hi, hope that this is in the right section After getting access to my credit report, I found out I had an outstanding CCJ on my report. And as it is only for £290 I decided to settle it. So I phoned up the relevant people who informed me that it was issued by Bryan Carter Solicitors on behalf of American Express. My first…
-
please help - creditors are being helpful!!!!
i have several debts that i have always paid regulary although sometimes late until i was left unemployed 3months ago, anyway i am dealing with my debts.(i posted for the first time yesterday explaining all)i have found all my creditors to be very difficult until today! i sent vanquis/impact collections an offer of £5 a…
-
Bad credit rating help for an idiot
....................................................
-
bit of help please :(
i am in debt of around £15,000 - £16,000 & i am having problems paying it back. my hours at work got halved this year & being split from my partner i stil have to pay child mantainence & rent. i would love to get it all sorted in the correct manner but can see no light at the end of this dark tunell . i have fell way…
-
Creation consumer finance
Hi I have written my letter of dispute and emailed it. I also want to fax and post this letter. Has anyone got a fax number for these people? Thanks
-
they've cleared me out
:(CCS Pay are one of my debt collectors and they have taken £312 from my account :( I rang up to make a card payment of £5 and they have taken that out of my bank I've just phoned them back and they said an email to try get it back but I have all my other bills out. Is there anythin else I can do? I am panicking
-
Great Universal BNPL interest
We made the 'mistake' of taking out 100 wks buy now pay later terms with Great Universal, all seemed good at the time until I worked out how much it increased the cost of goods by, almost 40% over the term. Whilst it is clear from T&C's that if you pay off the items before the BNPL offer kicks in that no interest will be…
-
Rainy Thursday 22nd Daily Chat thread.
Good morning Another rainy day here, hope the weather is going to be better for the weekend. have to go to the hospital this morning with my mum (my brother and his wife has refused to go with her) Finished off by putting inserts in Nathans cards last night (he now has 21 finished cards again, would have been more if i…
-
Thurs 22nd July - 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…
-
Lloyds TSB -gave me mixed messages.
Tuesday nite- I discussed my SAO with advisor. The outcome was: "we can consol your lloyds debts both sole and joint to £394 p/m from £540 p/m" this was ok'd by the team leader. Weds morn: "those figs are now wrong....so I now suggest Payplan (dmp) which will have an adverse affect on you & the joint account holders credit…
-
Best way for me to become debt free
What is the best way for me to become debt free? I owe nearly £10,500 on 3 credit cards. At the monent I am only paying the interest as I can't afford to pay more. I work full time and pay tax but my wages are not paid into my bank. I have asked my bank for a loan so that way I could pay the 3 credit cards off and know…
-
capquest harassment
Hi Another capquest harassment, this company have recently been harassing my inlaws in the UK about a debt I incurred whilst living in the UK with EGG I now live in Australia and have done so for the past 4 years and have tried to contact them by phone but this is not possible from overseas. This is really getting on my…
-
Debt repayment advice needed
Hello, I just registered and would like to ask your advice on what I'm doing about my debts. I owe £18,000, of which £14,000 is to one bank. I anticipate being able to pay it off in three years but most of my income comes every four months and it is not guaranteed, though has proven reliable for a while. In between the…
-
I can't remember..
Where I saw it but a while ago I read a thread that had a list of lenders and which credit reference agency they used to work out if they would give you credit. I have been checking my creditexpert (Experian) credit report and its slowly getting better, I have four defaults left all settled accounts and the last one will…
-
Northern Rock field agent
Evening folks Just had a field agent call regarding my Northern Rock loan. Must admit was surprised to see him. To give him his due he was nice enough. Managed to put him off to next week but what should I do? I'm waiting to here from my employer about whether I can go bankrupt and keep my job otherwise it's token payments…
