-
Default Removal - HELPPPP!!!!
Ok I have two situations which i could really do with some help sorting out 1. I have successfully reclaimed £1600 penalty charges from BarclayCard, I have the acceptance letter in my hand and just need to send it for the funds, however I was wondering if anyone could help me with a letter of some sort to ask for the…
-
Worked out total debt- not sure what to do
hi, ive just added all my debts up (and oh) and its £19000.t Im currently paying £191 per month off 3 cards and the interest rate is 0% until Jan for £5,000 and the rest is on a card that is charging me 17.5% (just) I dont know whether to get a loan or try a few credit cards, however i know I wont be able to pay the amount…
-
Umm i think i need some help
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... Number of cars owned.................... Monthly Income Details Monthly income after tax................ 1100 Partners monthly income after tax....... 0…
-
ccm
hi i am having a bit of trouble with ccm close call managemnt, i owe them £375 was over £1000, but have been paying them £40 a month have kept to my side of the bargain but they keep phoning me to up my payments which i am unable to do at the moment, i have asked them not to phone me but put it in writting but they keep…
-
Statement of Affairs
Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 1,502.00 Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 0.00 State Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .…
-
how do i word this
i settled a debt with capquest for capital one back in april. my credit report said it was outstanding by £171, anyway i called them and they agreed it should said satisfied and i have to write to their legal dept to get it removed. how do i word the letter? how long will it take to be amended do you think?
-
Orange/HSBC Direct Debit ****up - so angry!
I am so cross with Orange Home and HSBC! I had a letter from Orange today telling me they hadn't been able to take payment for my Orange Home calls and my account is overdue (I rent my line from BT but pay Orange for my very few calls). It turns out that the reason they haven't been able to take payment via my Direct Debit…
-
Was Getting There !
Hi All, I was so please last week getting on top of my debts. Just had a letter of Hsbc telling me my over draft was £188.00, last week it was £95.29 !!I was going to pay this off in full feeling really proud but now with all the charges I dont know if I can ! Fees and Charges = £50 Interest+ £7.00 . I paid £700 last week…
-
Full and Final Settlement Info - DMP
Info about Full and final please?
-
Need Some Advice
Hello all This is my first ever post so unsure if i have put in the right forum (apologies if i havent) Me & my Partner need some advice.. we bank with natwest and have everything with them loans/cc/overdrafts etc. We have heard stories that they could wait till we get our wages in which would clear our overdraft and then…
-
Graham White/Roxburghe/3g
Hi I wonder if someone can help me? I had a phone contract with 3g back in 2004, I unfortuately defaulted on this but had not heard anything from them for a long time. I recently moved address and started getting letters from a company called roxburghe. As the debt was so old i ignored the letters but today i got a call at…
-
DLA and Debt Managment Plan
I posted this question on the Benefits Boards and they suggested I post it here as someone may know more. I am currently on a DMP with the CCCS and our SOA has come up for renewal. Last year I was told that my daughters DLA payments would be on the plan but not taken into consideration as it was a benefit paid for a…
-
Dont know a way out
Hi everyone, Firstly this is a great website with some wonderful advice and helpful people around, I have been reading the forums over the last week and see that people help each other out a lot so I have decided to join. I know that some of you might think I am so stupid and irresponsible and you are 100 per cent right, 3…
-
How to provide for my wife and child?
Hi all, I'm in a bit of a pickle as to how to approach the next few months and what to do for the best, I would appreciate you all taking a look at my situation and giving me your thoughts. Sorry for the long post, but the detail is important. Basically, I'm on a DMP with CCCS and owe about £55k across 8 creditors (the…
-
Full & Final help! - Lowell
Hi guys Made a full and final settlement offer to Lowell on an old HSBC Account. Balance is £5,900.00 and offer has been accepted at £3717.00 which I can afford to pay back immediatley. I got a family member to write the correspondance to them and will be getting them to pay the balance via cheque (I will transfer the…
-
Does the extra few quid here and there REALLY make a difference?
Just curious, if you are paying an extra £5 or £10 per month off your debts, does it make that much of a difference?
-
DEbt management plan problems
Good afternoon everyone, i just have a quick question, I have just checked my online bank account, and found that my debt mangement company have tried to take my direct debit for my debt management plan on 21st september but it wasn't due till 23rd sept, so it has been returned as unpaid I have today been into the bank to…
-
Snowball Plan
Is anyone able to give me details of the snowball plan? Thank you in advance.
-
Sat here crying!
I'm crying for a good reason! my partner who has been out of work for 10 months has just been confirmed for a new job starting on 4th october. For the last 10 months all i have done is worry about money, the mortgage, the debts, and had to fight the jobcentre every week due to them messing up our claim over and over. I'm…
-
Thank you!
Just wanted to post a quick message to say thank you to anyone who gave me advice over the last couple of years. I'm down to just over £1600 left to pay. Two years ago I had just over £20k to pay off!!! The snowball plan worked best for me and I feel so proud of myself for managing my money and moving towards a debt-free…
