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how to prove car worth?
what proof is needed to show the value of an asset? specifically a car? thanks!
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Help! Is there anything we can do to get out of this mess?
Hi. This is my first post so please be gentle. Today my husband and I had an appointment with someone at our local CAB to discuss our financial situation. We have around 42k of unsecured debt to 12 creditors. I've filled out the CAB SoA and 'spare' monies amount to 160.00 per month. I was told that this isn't enough to…
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Joint DMP with the CCCS.
Hello, I'm on a joint DMP with my partner with the CCCS but unfortunately we might be separating. He has said he'd be happy for me to transfer my debt to his name as I wouldn't qualify for it on my own. Is this possible?
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Taking Control Before it controls us (SOA Included)
Ok. Hello all. Been a poster on here for a while but not DFW. A bit of history. Today I logged onto my CC and realised I was close to my limit. No problem. I'll get a payment off tonight I thought. I logged onto my cc account 8 hours later to find it locked. Fuming I called services and was told it was because I was over…
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Never ending loan with Welcome Financial Services
Good evening, I've never done this sort of thing before and I hope you will excuse my sob story but I was wondering if anyone can offer some advice. I'm not expecting a miricle but does anyone know what I can do aout a loan with Welcome Finance that seems to be going on forever. I took out about 5 years ago and other than…
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Incorrect info on credit file, Help needed!
I am new to this site and was wondering if anyone can help me. Over 5 years ago I had a mobile phone which I could not pay. Eventually I managed to gain control of my finances through a free debt consolidation company who helped me pay off all my debt...or so I thought. After recently checking my credit file the old mobile…
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Help Please
Hello Need some advice on a situation, sorry if this in the wrong forum it seemed the most relevant forum for my question. Thanks in advance for any feedback it will be greatly appreciated My elderly mother signed up for a new kitchen last month on finance from a company called better living, the deal was she didn't pay…
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F&F or not?
Good evening, After a chat with my boss today ahead of my review he has 99% agreed to pay for my next years travel card (woohoo!) I know its not guaranteed as yet but my mind has been doing overtime, so forgive me if I go on a bit... A yearly Oyster is £1000, I pay for my card monthly at the moment and paying for a yearly…
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Debt problems- should I use home equity for business or to pay off debt?
Hello all, After some recent problems I've managed to get myself into debt over the last couple of years, to the sum of roughly £18,000 :( This is spread over an overdraft, credit cards and a loan.... I'm 29 years old and want to clear it sooner rather than later. I do however have my house as an asset, which currently is…
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Debt Management Plans?
Hi everyone, new on the board. Myself and my partner have got to the stage where it's becoming a struggle to buy a sufficent amount of food for our family and also pay for petrol to get to work due to mounting debts from loans and credit cards. Poor decisions when I was younger and also a couple of years ago when I wasn't…
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Default by Natwest on debt from 2001!
Hi. Hoping somebody can help me with this. Last year, I checked my equifax credit file and discovered Natwest card services had been adding late payment markers to my account since 2006. I contacted them and advised them there must be some kind of error. After initially being unable to find any details relating to me they…
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Credit Report Confusion - Help?!
Im totally confused... I have recently been checking my credit report with Experian but just checked the Equifax version to find a default on there which doesn't show on the Experian report??? Shouldn't the two be exactly the same? anyone have any advice on what i should now?!!! Do i assume that potential creditors refer…
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Charge back on Money Worries
Has naybody tried charge back on money worries to get money refunded. also how do you stop them taking money from bank account on a standing order. Can it be stopped?
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Money worries part 2
Just like all the rest of you I was passed to MW ON 7TH jULY and offered a DMP they took all my card detais for reference then took £3600 out of my credit card and told me the PMP plan was £235pm starting on 30th september. I have sent a recorded delivery letter cancelling the agreement as I am within 14 days cooling of…
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Bailiff Problems
Hi Everyone My Brother received a letter today that was in the name of somebody he had never heard of but addressed to his house ( he has lived there for over 10 years) Anyway he opened it (maybe he shouldn't of but he did) to discover it was a 24 hour notice of attendance from a firm of Bailiffs, for an amount of debt ran…
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Debt Advice after reformation
Hello there, This is my first post to this forum; any advice would be greatly appreciated. I am currently paying back a credit card debt from the Halifax to a company called Blair, Oliver & Scott, which I am assuming is classed as a default. I have been paying £55 a month for over two years and my debt currently stands at…
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Capquest want me to pay them, not Halifax.
Hi all, First post from a newbie. I have an outstanding debt owing to Halifax Credit card of over £8500.:( I've been ill and unable to work. Halifax have been fine and accepted minimal payments, plus they have also frozen their interest charges. However, my last 3 payments to Halifax went adrift due to an administrative…
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Debt management plan while on maternity leave
I am currently on a debt management plan with Payplan.My average monthly income is £1100 and after all my expenditure deduction I pay 200£ towards my debts.I owe just under £18 000 on personal loan and CC to 4 creditors.3 of them are all Barclays-CC,overdraft on personal account and a loan.The biggest one is Barclays…
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Restons HFC Court Hearing tomorrow 14/7/10 Help
Hi all i hope someone can help me tonight. Restons and I have a court date tomorrow. Below is my original post in the wrong section so im hoping this may be seen in here:- "Restons/HFC issued a CC claim form on 3rd March 2010 for £3k. I filed a defense to say they had not provided a true signed copy of the original CCA.…
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Bill received 18 monthes after death
Hi, I wonder if anyone can give me some advice. My mother died just over 18 monthes ago, and I have just received a bill for £5000 from the care home that she was staying in. The money that my mother left has been spent (after waiting for a while to see if any debts were outstanding). What I need to know is this: How long…
