-
CCJ Payment
Hi I have a Judgment by Admission against me, is this the same as a CCJ? I had previoulsey agreed with the creditor to pay £50 a month and they said they wouldn't register a CCJ but they have :mad: Can I clear the CCJ (which is now only £200) and have it wiped from my account, it was only sent to me this month. Thanks Vicky
-
Advice Needed
Hi Everyone I'm new to the forums, I often use them to look to try and gather some ideas, I feel my situation as got to a point where something needs done for my long term future. I have a pretty long and complicated situation that I will try to explain the best I can. I will start from the beggining, last August I split…
-
MBNA postal address - Please
Hi, can any one please give me the correct postal address for MBNA, I am in the process of writing to them to ask them to stop calling me at inappropriate times of the day and night. They are harrassing me even though there has been a repayment plan put in place, and I have came out to work today and realised I don't have…
-
TOWER CAPITAL have tricked me
Hi OK so basically I have an ongoing dispute with TOWER CAPITAL LIMITED, I took a payday loan out with them some time ago & I defaulted on the payments. I asked if I can pay £20 per month (£250 outstanding balance) and they said that if I increased the payments to £50 per month they would not take any further action…
-
Please help....need to get out of this debt
Hi , i'm new to this.... I currently have a £800 over draft with HSBC, i get charged £25 a month for having this, i get charged about £17 interest a month too. I only get paid £960 a month so by the time i have paid my rent, i am straight back in my over draft and get charged, i am always going over this £800 and thus…
-
Homers SOA - please rip apart!
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 2007 Partners monthly income after tax....... 900…
-
Grrrr...why did I bother!??
Well, I guess I should start by introducing myself properly and telling my tale...before I start to rant! I am a long term lurker on here and have been helped no end by all of your stories, so thank you to everyone that has stopped me from going over the edge, and actually getting somewhere with my debt management! Married…
-
Bought car with outstanding finance how can i pay it off?
Hiya, iv bought a car and come to sell it only to find out that there is outstanding finance on the car! The man i bought it off says its with a debt company n the balance is £720 but how do i pay this off as i cant sell it with outstanding finance on it! I obviously dont want to pay much more as i have already paid for…
-
Post DMP and mortgage
Can I get a mortgage?
-
Credit Report
Hi, I don't have a credit or debit card. How do I find out what my credit rating is, as the websites that offer reports require you to give credit card details?
-
Apex Credit Management and full and final!
Hey guys this is a bit of a weird one so hope someone can help!:money: Well my friend was looking to get rid of her car but owed more on the finance than the car was due, at the time i was looking for a car but couldnt get the finance as i was a part time student. Anyway i agreed to take the payments over and signed a…
-
Thurs 23rd Sept DFW Daily Chat
Morning everyone! Feeling a lot better this morning, just a bit chesty, and I managed to get a run in so am chuffered. Need to see if cheque turns up in post, and if it does, put in bank (and brave the rain...)
-
Short term DMP versus "Full Term" DMP
Hi all, I was about to start a self administered DMP, as my situation meant that meeting the debt repayments was becoming more difficult / impossible. However, there is a light at the end of the tunnel. My partner (who is a nurse) starts back at work in January 2011 in a confirmed post. My question is am I able to…
-
Bank accounts dilemma
I currently have 2 current accounts with the bank I work for (one for bills, one for spending money, food etc). They are both in their overdrafts and I also have a credit card with them. CCCS have said to open a separate account with another bank but the problem is I have no choice but to have my wages paid into the…
-
Dumb in debt and danger
Have posted in ages.. My husband finally found out about our debt and to start with said he would support me and we would sort it out... Long story short CAB is dealing with debts but husband is being a complete pig. Married for 22 years have about 40000 in credit card debt and remortgaged house for more than was worth so…
-
Motgage Query
Morning Everyone I have just started a DMP with CCCS and am renting out my house, living with my partner to try and save money. I have just been told that my tenants are moving out on the 11th October, leaving me with no income from the house, and having to pay the mortgage and contribute to rent. I really want to sell the…
-
NHF Affordable Loans
I've seen this on the BBC today - aparently the National Housing Federation are launching an affordable loans scheme. The apr to start with is 29.9% rising to 49.9% :eek::eek: I know it's to prevent people using doorstop lenders but it's a pretty hefty apr. http://www.bbc.co.uk/news/business-11390643 What do you think? df…
-
Competition sites?
Morning everyone, I would like to try my luck at winning some competitions does anyone know of any sites that are any good and real? Dizzy
-
Advice on full and final settlements please :o)
Hiya, I have posted on here before, but have forgotten my login - haha. Just a quick question, I have a few catalogue debts, and have offered payments to them via post. The payments offered were about a third (maybe a bit more) of the original amount of the debt. Does anyone know if they are likely to accept this? I…
-
Thurs 23rd September - What small DFW things will you be doing 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…
