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Help!! Rbs ignoring my letters!!
Hi, hope someone can suggest what I do next? Just to give you a background. We had a current acct mortgage with RBS which we repaid when we remortgaged Dec 05. A few days before we completed my wife took a call from them saying they were checking our 2 loans were being repaid also. When my wife said no they said as the…
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Selling house for rebting parents place - on DMP
Hi all Hubby and i on dmp through cccs. NR mortgage (fix rate) expired in August so now on variable rate.... Have been fixed for 5 yrs.... Parents dont know about my debt - would be mortified. They dont have a mortgage and have just put down a deposit on a new build as an investment property. I have a small 2 bed terraced…
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Young and Stupid. In desperate need of help!
Hi, I'm Danny. I'm 19 and moved to York to further my career in engineering, but since I'm an apprentice I aren't on a great wage and had some hiccups at the start that have turned really nasty for me. I get about £720 four-weekly with my next pay being on the 28th september. Here is an estimate of my expenses: £330/pm…
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What do you have to show for your debt ??
Was just wondering from reading the posts on here if anyone else is like me and has b**ger all to show for all the debt they are now in ?? I know some people are in debt due to a mortgage / kids etc. But I don't have either and am starting to feel worse & worse about it ?? I coudln't really recall what all the money went…
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one year on
just a quick update,started dmp with cccs last year.had debts of £25000 owing to 7 creditors.been reading other peoples posts quite often,cant believe how many stories are similar to mine.cccs have been great with me.its been tough to start with and had to make a few reduced payments but cccs have helped me through it…
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Credit card debt - transfer to 0% CC or pay off with loan?
Hi there, Hope you can help. I've got a capital one card, had it for the last 2 and a half years. Always make the minimum payments plus usually an extra few quid more. I've just bought a new home and conscious of having the debt though I comfortably pay for everything and barely use the card at all now.. I would still like…
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Default advice please
Hi, please can someone tell me what impact a default has on my credit file, and how long it stays for? Also, once the debt has been cleared do I have to correct my credit file or should the creditor update the credit file. Also, if on a payment plan with a creditor does it show on my file that there is a plan in place or…
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Hassle from Littlewoods
Hello everyone, I was wondering if anyone has had much trouble with littlewoods catalogue pestering by phone? I am the first to admit that I have been very reckless with money. Over a period of four years my husband and I have managed to run up approximately £29000 of debt. Well when I say my husband and I, I actually mean…
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Full and Final offers
hi Guys I am currently on a DMP with CCCS and a family member has offered to help me clear my debts. I have offered reduced settlements in F & F settlent to all my creditors for around 30% My main creditor is HSBC, i have just had a conversation with them. They have offered me a settlement of 50%. this is on a loan of…
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Good software for maney management
Hi there, I already have Microsoft Money, but seems to be bloatware, Im looking for a simple money management software, something simple to use. thanks in advance
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Ccj
Hi all, I have found out today that i have a CCJ against me but when looking on experian it does not state that there is a CCJ, it does show some late payments, defaults etc. Having been made redundant in January my finances have been hit very hard. The CCJ has come to light after a search on my credit record. I am able to…
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Me again!!
Hi all I hope someone can help? I want to write to all my creditors and ask for an updated statement of total outstanding, plus a breakdown of all payments made. Is there a standard letter template that I can use please? Also I note that many people on here have also asked their creditors for a CCA...........please can…
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which companies are difficult to deal with whilst on DMP
I have just taken first steps regarding getting a DMP. Owe £25000. My query is which companies are less sympathetic than others and would like to know of other peoples experiences with the following: Tesco MBNA Capital One Santander Vanquis Yorkshire Bank It appears that some firms make nuisance telephone calls etc Any…
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Help Claims Form Received From Court
I have received a Claims Form from Slough county courtwith regards to a loan I had with Northridge Finance. It is dated 10th September but the letter was not sent until the 13th September by their solicitors Ascot Lawyers. I am wanting help on what to do next, I was told by various people across the forums that the DN was…
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Big Credit Card Bills - Any Way to Reduce Payments?
A little about my situation: I'm 21 currently still living at home with parents. When 18 set up a company selling high spec computers however the company went under when the recession began. As well as the recession I got hit with over 5 grands worth of fraud (people bought PCs on dodgy cards which then got chargeback).…
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Advice and help with our 20k debt
We owe over 20k on credit cards. Spend around £500-£600 a month paying them off (usually a £100 on each) but it barely dents it, maybe paying £30 off a month after the interest. Will take us FOREVER to pay it off at this rate. Our debts are: Tesco £1,700 22.5% APR Barclaycard (OH name) £5,200 19% APR Barclaycard (My name)…
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Fantastic opportunity - but I have a DMP - don't know how I can work this.
Hiya I've posted about a similar thing before but since then, things have moved on. I'll try and keep it short and to the point. My parents are going to inherit a property in a couple of years and therefore are going to sell their house. They have offered my bro and me 25k each from the sale of their property. I have a DMP…
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Credit union
I was on a debt management plan about 4 years ago, one of the creditors was the credit union. The debt managment company i went through was so bad I ended up having to quit if 2 years ago and make settlement payments to creditors direct. I ended up in a lot of debt after being in a violent relationship and partner ripped…
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DLC.....What to do?
Hi all Firstly I just want to say thank you to all you lovely peeps on here who help me everytime a letter or email arrives or my phone rings and Im too scared to answer!! I really appreciate all of your help:rotfl: So heres the latest which I could do with a little advice on please................Yesterday I received a…
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OK I admit i need help
Have just had words with HSBC re my CC and have managed to go to £100 with no interest for 6 months and i have also managed to stop interest on my barclaycard now my OH doesnt know the extent of our finances when i say we havent any money he says why i earn a good wage need to deal with this and deal with it now our kids…
