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Funky Friday - warm weekend approaches - Daily Chat
Morning everyone. Hope the approaching weekend cheers you up. Frantic packing for camping trip - DH wants everything sorted yesterday, I want to veg out whilst the fairies pack for me :D Lots of happy wishes to everyone for a fab day. I'd better get a move on :D
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Anyone managed to negotiate/discharge a big portion of their debt?
Hi, I owe approx £9,000 to Natwest and am under a default. Part of my debt is now with Triton (Credit Card debt) Natwest have offered me a full and final settlement of £4,000 for my loand and o/draft debts. I sought advice from DebtFixers last year (BAD move :-( ) I pay Triton £14.93 pcm for my c/c and £45 pcm for each of…
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worst night of my life
I understand this forum is mainly for practical advice etc, but i feel i just need to post what happened to me last night as only people in debt will understand how upsetting this is, and maybe have somethin to say to help me. i'm 22, and i'm in uni. i have debts of around 10000 which i pay off each month and i can happily…
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Friday 2nd 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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newbie and don't even know where to start!
Hi guys, just after some advice. So, I went back to college last year and had a career development loan for £8000, I also have nearly £3000 on my credit card and about £3000 overdraft. I pay £200 a month on my loan and £75 min payment on my credit card and nothing back on my overdraft. I only earn about £1100 a month, rent…
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Help with my vanquis card I have paid them for ages...
i posted on here a few weeks ago about my probs with vanquis ringing me all the time. theyre still doing this, i havent paid them for ages, around 2 months. i am not working right now. i havent answered the phone to them but i want to write to them and offer them only a bit maybe £5-£10 p/month to repay them. im not sure…
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Just found out about my partner's debts :(
Hi everyone, I don't post much on here but read a lot on here and use the wedding section of the forum and have a debt free diary thread too. On Friday my world kind of came crashing down around my ears. I found out from my fiance's best friend that my fiance is in an awful lot of debt, and has been lying about it for…
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Delete please
Delete please
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PayPlan,CCCS or National Debtline for DMP
Hi all. I was on a DMP plan for a good few years with the CCCS until i lost my job the other year when i took over sorting my creditors out myself by offering a token payment each month which they all accepted £1 each. Now i have been in fulltime work for the last 2 months i am thinking of doing a DMP plan again but was…
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Credit agency question.
Do UK credit reference agencies have the ability or right to view your personal bank accounts?
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Halifax Token payments
Hi, ive been having a good browse on the site for the past few hours trying to find an answer to my question, and although there are similar questions, none really answer what I would like to know, so would appreciate if someone can help. Just some background info. I began caring for my nan full time in december last year…
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Credit File...
I defaulted on a loan back on the 21st July 2004. I have since settled the outstanding balance, however, I have a query regarding when the default will come off my credit file. My understanding is that any defaults stay on your credit file for 6 years regardless of whether you settle or not. With that in mind, I'm hoping…
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What to do next?
Sent off a letter to welcome finance at the beginning of June asking to voluntary terminate our agreement as per the t&c's given to us with the credit agreement now that we are well over halfway with the payments. Have had no written response yet, but have had loads of phone calls each saying something different - but all…
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We're very confused!
Hi everyone. Is there anyone out there that can offer some advice please? My folks have just had to go to the CAB to get some help with their debts. Things have been against them for a while and now they need some help. The CAB have put them in touch with a debt management company who have calculated a repayment plan. Our…
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£500 Bank charges
hi, a while back i stopped using my back account. everything was fine as far as i knew untill one day i got a letter of the bank saying that my account was overdrawn by a substantial amount. this amount was around £200 which i was unable to pay so the charges kept coming. the charges now stand at £500 pound and the account…
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Advice on Debt elimination programmes
I am in a lot of debt and obviously I am desperate to pay it off. We have been with the CAB for quite sometime but do not see a light at the end of the tunnel. A company called one debt solutions have contacted us to help. they say that if our debts are unenforcable they will write them off, it could take us only 1year and…
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I am in a bit of pickle can anyone help?
Ok I have been stupid No need to tell me enough people have! So here is the question and solution but will it work? Or does anyone have a better plan? What i owe Barclays Bank overdaft £1492.70 Visa £7147.52 rate is 4416.56 15.9% 2619.48 27.9% Virgin £5486.74 rate is 955.81 27.9% 4508.63 29.9% Capital one £497.69 rate 0%…
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Quick abot setteling accounts?
Hi peeps, I am on a DMP with the CCCS and am now at the stage of trying to pay creditors off in full... I want to send a letter with a payment but need to confirm is it satisfied in full I want put on my credit file? Just need to check before I make a boo boo! Thanks!
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High Court Enforcement Officer???
Hello Am I right in thinking that a high court enforcement officer has the same rights as any other bailiff apart from they do not have to serve any notice before visiting? The still cannot force entry etc etc for a non HMRC debt? Thanks
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Sample letters
Are there any sample letters on this site i can use to write to creditors to ask them to set up an arrangement and if possible freeze interest and charges. Regards
