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What advice would you give to someone not in debt
and obviously not wanting to go into it. ever. I've just finished uni, so I do have a student loan hanging over me (~£10,000; i'll just chip away at it slowly I guess) but i've got a good job (not earning loads but I know i'm quite lucky - £21,000) I'd be interested in some tips, hints and wisdom from those who are in debt…
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debt advise
I am a recent graduate and just landed my first job. Debt Details.. £3500 MBNA CC rate (i guess monthly) 2.2071% £4000 Barclay card 19.90% APR but a good bit of it must be at cash rate of 29.90% £1250 student intrest free overdraft (intrest free till november) £500 Smile cc 16.9% APR total = -£9,250 I can afford to pay max…
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please could someone check this agreement!!
hi all please could one of you helpful, knowledgable peeps take a look at this agreement and check if it is valid or not many thanks http://i989.photobucket.com/albums/af18/dazzawin/cooploan.jpg http://i989.photobucket.com/albums/af18/dazzawin/cooploan2.jpg
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do debts with eon and late payments with dca go on credit file
if i have a debt with eon thats been passed to buchanan clark and wells and i come to a payment arrangement with them. does this show on my credit file?
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How much can a debt collector add to a debt?
If this is the wrong forum section, please move it to the right one. My credit card company sold my debt to a debt collector. My balance on the 20th of June was 7315 pounds. with this crecit card This company contacted me on the 8th of July and they are asking for 10454.55 this is an increase of 3139.55 is this legal?? I'm…
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Help Please ! debt collectors wont go away !
hi im hoping someone might be able to help .. my partner had a credit card debt from around 15 years ago of around £1000, he tried to keep up with the repayments but due to illness and job loss he wasnt able to keep up with the payments, so basically what iv gathered he 'buried his head in the sand ' he hadnt heard…
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E-ON Incorrect letter.
Having battled with E-on over a bill they seemed to get wrong on numerous occasions I now find myself in a strange spot. This dates back to Xmas 2008, E-ON my then gas and electric suppliers managed to fail to move my accounts to a new address on 3 occasions. Wrongfully I removed all the credit I had amounted in a fit of…
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capital 1 3623 application form
asked capital 1 plus other creditors for copy of cca most have responded but capital 1 have been constantly ringing but since i told them i will not speak to them on phone they have laid of the past few days they responded by sending me a copy of what i signed in 2000 which was 3623 application form which i told them it…
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grass roots financial
hi all i recently had a claim going with the dreaded cartel :mad::mad:. after getting used to the fact i had been conned out of money from these sharks. today out of the blue i got a call from a company called grass roots financial saying they have my details and they can get my money back. any advice?:eek:
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is my Halifax CCA valid?
Hi everyone i got my cca from halifax with a letter. please can some one tell me if it is valid. Dear xxxxx i write in response to your request for a copy of your consumer credit agreement under section 78 of the consumer credit act 1974 (CCA) I have enclosed with this letter a copy of your reconsituted version of the…
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Weekly Spend Challenge W/C 18th July 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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Is there anything we can do?
I'd really appreciate any advice on offer - our situation has spiralled after both leaving uni as mature students in debt, then due to promotion and unavoidable house move, taking bigger mortgage without taking our debt levels into account. Partner not able to find work straight away (OK now) and were already living beyond…
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is there anything we can do...
Pasting the 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.................... 2 Monthly Income Details Monthly income after tax................ 2610 Partners monthly income after…
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Nightmare £285 bank charges and a debt collector at the door
Am about ready to explode:mad: A while back Barclays Mortgage changed from being due on the 30th of the month to being due on the first. This meant that despite alway paying on time it put the account 1 month in arrears. Not a problem set up an arrangement to pay £20 a month to cover these so called arrears. Fast forward…
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can you have a DMP when self employed
Im trying to help my nephew sort out his finances and suggested a DMP would be the best way to go but just wondered if you could go on one when self employed? thanks
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electrol roll
Hi,5 years ago i had an overdraft for £3000 pound that i stopped paying.in 5 years i have had one letter from natwest and have no leters from any debt collection agencies.i know the letters could still come.me and my wife are not on the electrol roll on the home we own and obviously struggle to get credit for that reason.I…
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pulling my hair out !!
hi been reading a lot about rockwell and have decided to get some help with this company and my debts in general. my wife and i took a A+L current account and loan 10k then they gave us a cc (£1500 limit) that we never asked for things where going great we were about to be married but after the wedding my wife had a fall…
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Selling debts and CRAs
Help! Around 2004, I defaulted on my various accounts with Lloyds, for current accounts and credit card. I've had very little to do with any of the various agencies that have tried to collect this. I was hoping they would become statute barred very soon. However, Lloyds have sold on the debts. I have noticed on my credit…
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HELP! Do I send Letter A, Letter A&B or send letter A and say C verbally?
I'm dealing with Moorcroft and in tomorrows post I need to send them a letter which basically says that rubbish you sent me wasn't a breakdown of my debt, I require a proper breakdown. Although of course I have written it better than that! But they've been bothering me on the phone since I wrote it a few days ago and now I…
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who are the nastiest/worst debt collection agency?
my money is on meritforce/mackenzie hall. any others? i find the ones that buy statute barred debts are the worst as this makes them very tenacious but only know of these two muppets.
