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How to approach payday loan companies w/regard to payment plans?
Hi there, sorry for another generic query but I was struggling to find the exact advice in the search engine. I was, for a long-time, a compulsive gambler and ran up stupid debts on pretty much every available source. However, I've been in therapy and "clean" since February, and have been tackling all of my debts one by…
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Equita Bailiffs
I had a payment plan in place with Equita for unpaid council tax, I was subsequently laid off and couldn't afford to keep up with the payments. I had informed them that I would only be receiving Job Seekers Allowance and that due to this was unable to keep up with the plan. Now they are threatening me with bailiffs and…
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Fresh Start Financial Management
Does anyone have any information on this company? They have approache me and offered help.
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Rossendales Bailifs conduct
Good afternoon all. My partner was visited by Rossendales bailiffs this afternoon with regards to an outstanding council tax bill, and when they left she was in such as state. They have basically denied her any monthly payments, they shouted out that she would be recommended for commital to prison and how much she owed in…
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Advice please
I am looking for some advice please....I am due to inherit a sum of money and am in a bit of a quandry as to what to do with it. I currently have some debts (credit cards) and my first thought was to use the money to pay off these debts and I would then be debt free. However, I currently rent a cottage with my partner of 6…
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How do i get a defaulted file off my credit report?
Hi , just been looking at my experian credit report and i defaulted on a card on the 1/7/2004 (silly i know i was young) . It states on experian that these defaults stay on file for 6 years after the date of default but its still on there . Is this right or do i need to speak to someone somewhere to have it removed ???…
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Bad credit rating loans... there are quite a few!
Hiya, Does anyone know which loan companies are best for people with a bad credit rating? i.e those which are most likely to accept you for a loan regardless of the APR? My ex bfriend has agreed to get a loan to pay me back the money he stole from me a while ago ( :mad: ) and he'll need about 6k in total, however any…
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I seriously need a makeover!
Hi there, Well I have been lurking around here for a bit but until now have not posted on the site. There are so many inspiring stories and views and I have noticed that the site is used for so many things from sorting problems out to using the site as motivation to deal with debt. I dont know if this is the right place to…
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Credit report
Hi! I went on my credit report last week to make a note of who I owe to and how much but it's totally blank. It really shouldn't be as I owe to about 6 different companies. I last checked it it early May and there were entries on it. Any help would be fab!
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Morning :) whats the best way?
whats the best way to find out _what_ im paying money off against :S my accountant has all my paperwork with regards to the last 2 years and well lets say we cant talk atm :\ i have standing orders to companies, with ref numbers is it best to ring them ? or will this get them to start the letters again? basically i want to…
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Roll on October :)
Hi all just wanted say roll on October as my massive £450 pound per month secured loan is paid off in 3 more payments along with one or two smaller debts leaving me about £700 or more better off per month !!
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Full and finals
I have 5 credit card debts, which defaulted last or this year. At present I am not in a position to make more than token payments, and this is what I have been doing. Some have been more amenable than others. Some refused to stop adding interest (and the interest has been eyewatering!), some did stop, the majority have…
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Practical advice from the experts
Hi everyone. this is a really long and complicated story but basically i have had BIG issues with halifax and i'm going through a complain process which is involving the data protection act people, and the financial ombudsman. was wondering if someone could help me with some stuff i need for my reply. harrassment- can…
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forged signature 1st credit/bankruptcy
My partner pays an outstanding debt to 1st Credit, which his ex wife ran up on a credit card she set up by forging his signature. We requested the orginial agreement and the copy of it show clearly it's not his signiture or writing. When I confronted my partner about WHY were we paying it, he stated he didn't want to…
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**Daily Chat July 5th-Happy Birthday Lucifa!**
Happy Birthday Gorgeous Lady!:T Work today for me...so so so tired...Have BIG appointment today, fingers crossed please everyone?
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a question about debt collection agencys
Hello, Recently i have had a few calls from a couple of companies (Buchanan Clarke and wells) (Robinson way) and (Mac Hall) all for debts that are over 8 - 10 years old. all of them have come through my work head office switchboard to my company mobile phone. all of them claim they have been fed the information from…
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Mon 5th 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…
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some advice please...
Hi all, i was wondering if someone could give me some advice. this is the situation... my ex partner had his own business for a short while, which unfortunately went bust nearly 3 years ago, consequently we couldn't afford the mortgage costs so voluntarily gave the house back to the mortgage company, who kindly sold it at…
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Formal Demand from Debt Management Limited
Hi I am going to try and cut a long story short; In 2003 I fell behind on a number of payments on my bank account, they wouldn't take my instalment offer and after they passed it to a Debt recover agency (DRA) I ignored all letters from them as there was no way i could repay them. The sum is for £212 However, a week ago I…
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Pay day loans....
Does anyone know if pay day loans can be included in a DMP? eppp
