-
Need help on debt management company called IC FINANCIAL/IC SERVICES for family
Hello Everyone im really in a pickle about this one and throught i'd come here and ask for help My mum is facing some tuff times like everyone and ran into some debt with debit store cards and catalouges in 2007 however she signed up to a debit consoldition (excuse my spelling) company called IC FINANCIAL/IC SERVICES which…
-
Credit Reference Agencies
Hi All I wonder if you can help - I'm sure I've read somewhere that you can write to the credit reference agencies asking for them to treat each individual living at the same address separately? I'm not sure - could be wishful thinking...? I'm about to tackle my debts (feel sick..) but I am going to. I'm back at my parents…
-
Reducing interest/Debt
Hi I have a credit card which i owe about £1500 (Halifax) I also have a Loan which i owe about £3900 (Llyods) I am paying interest on the credit card so my monthly payments arent really doing anything to the main balance! I want to try and amalgamate my debt (above) to one payment with one company! Would the best way to do…
-
catalogue debt
hope i've got this in the right place......... spoke to my sister and she told me about her money worries - she has got behind with her catalogue and is receiving daily calls from their debt department - sometimes 2 or 3 a day. i've helped her write a letter offering lower payments and asking for them to stop calling her…
-
Taking me to court?
Sorry I think I posted this in the wrong place and now i can't delete it:o
-
Have ignored debt for months, help!
Hi I stupidly took out 2 credit cards almost 3 years ago each with a credit of £1000, I've paid them of twice promised myself I would cut them up but didnt and have run them up to the max again, the last payment I made to either of them was December last year. 1, I have been a complete idiot in not paying them 2, I thought…
-
Can Somebody Help Me?
Hi Everyone, I have been reading bits from this board all day and wondered if anone can help me. At the moment I have the following debts. Halifax CC £711 Ikano Store Card £250 Capital 1 CC £600 I also have regular house bills, an overdraft, 1 more CC (but am under limit and have a small Minimum payment), catalogue, Car…
-
finding all my debt
Hiya, Im not sure if this is correct place to post im new so go easy on me. When i was 18 i went for any sort of credit i could get i was only working part time and there was no way i could make all the payments. Basically years later i have finally realised i need to pay it and stop putting my head in the sand. The…
-
DMP and Credit Rating
Hello everyone We have been on a DMP with Payplan now for almost 4 years now and I have had a nagging question that I hope you can help me with When we went onto the DMP all that time ago, I was told that your credit record is completely null and void but after 6 years it should be better as the Defaults fall off or…
-
Please help: Debt keeping me up at night and dont see an end in sight
I have a number f debts that I am strugglng to clear abd need some advice on the fastest way to do it. I make 2K a month and have the following debts;* 2K overdraft which is at it's maximum * 2 credit cards each with 5K each on them and high interest rates for which I pay the minimum each month * a personal loan with 11k…
-
Just started tackling my debts
I bought my first house last year with the wife and since then have racked up a few debts doing the place up. So to start with I have Sandander £230 on overdraft RBS £180 on overdraft and £930 on credit card Virgin credit card £2988 Barclaycard Goldfish £50 (card only used for paypal and ebay) All on 0%, except the RBS…
-
What do I do next?????
Hi Guys I currently have a debt of £3474.56 spread over 5 different creditors. These being Moorcroft Group £1531.88 (Egg Loan gone wrong), Additionsdirect £412, Wescot Credit Services £852.21 (Halifax OD gone wrong), Alliance & Leicester (OD) £478.47 and my Mum £200 (for a payment made for me when a bailiff knocked on the…
-
Anyone knows wardley finances
I wanted to find out if anyone knows about Wardley Financial Services.They want to cut credit card debt but im not sure if they are scams??
-
Council tax bayliff help.
Oh dear, my darling OH does get himself into some messes! My bf was in arrears with council tax payments and this has been passed to the bayliff. He just rung the council and they refuse to take any money for the money owed and to call the bayliff. So my question is really, how to deal with him or what to expect? Will they…
-
Advice on loan and C/C
Few questions for anyone who might be able to help. Have just bit the bullet and rang my Alliance Loan people, which I haven't paid since Dec I think. :eek: Ive been told my whole balance is £1200 including arrears of £900. They've said I can't set up an agreement with them as its just going over to another company now. I…
-
??? Clear overdraft with credit card????
I have a over draft with the Nat west for around £1500. I am paying £50 a month to clear the debt but getting charged around £28 so it is taking ages to clear and making my credit rating bad. I have asked my bank to put it on a credit card ( free balance transfers one) but they said you cant do that. I don't know if I can…
-
Debt free wannabe things I have done today. What have you done?
Just thought I would start a fun little thread to write down the debt free things we have done today (and before today) to help us along our debt free journey and keep us motivated, so far this month I have : 1. Sold my expensive car and got a much more economical cheaper one, ridding me of £1500 straight away and getting…
-
UK debts but living in Spain
Hello....I'm new here, and would appreciate any help from the more experienced amongst you! I have recently moved to rented accommodation in Spain, and am not currently working. I have debts in the UK, a number of credit cards and three loans and three overdrafts. I had a business (sole trader) in the UK but the recession…
-
What Would You Do??
OK, I know the advice is never to call DCAs and instead write to them but I had a query I really needed answering this morning so I rang 1st Credit. They are dealing with it (got a nice helpful bloke who explained everything). Now 1st Credit also deal with another of my accounts, an old Woolwich account with over £1,000 in…
-
Hi and thanks
I've surfed these boards for a while now- and had many questions answered and help given just by looking, so thought it was maybe time I joined up. When I met my partner- now my husband- he was open and honest from the start. On our first date, he told me about his debt and said he would understand if I didn't want to take…
