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Clear your credit card and overdraft help please..
Im getting around £580 a month in salary whats the easiest way to clear your debts... My debts are as follows... Credit card debt - £564.20 - Barclaycard - student HSBC Overdraft - £1,474.14 Now that i've got a job i keep on dispensing money and i have no need for it has anyone got any tips on how to stop spending money ,…
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any advice on this - confused
i had a GAIN ON my credit report which was incorrect so emailed equifax and they have replied with the following response. i have no experience with this so was wondering if anyone has any about what this means, im so confused thanks Thank you for getting in touch.(RACHEL CORRIGAN)(17/09) Credit Agreement - Capital One…
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INformation on SOA
Hi, I have done a SOA for a creditor as they want to re-assess my situation (after finishing a 5 year DMP which hasn't cleared the debt, but thats another matter ;) ). Anyway, they have requested the outstanding balance owed to other creditors, do I have to provide this information? I am happy enough listing my income /…
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Help with letter to Citicard re my Credit Card Debt
Not sure if this is reight forum but need help/advice with attached draft of a letter I want to send to Citicard, anything I should add? Attention The Senior Complaints Manager Account Number - xxxx xxxx xxxx xxxx I am writing to you to remind you that on 25 August 2010 I formally requested all communications with me from…
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Urgent Help Please, Re: Housing and Repossession
Hi been reading this board for what feels like a lfetime but only just registered. My wife and I have been having serious money problems for a while now, which have been so stressful over the past year that I have been put on depression tablets from the doctor, and to be honest I just can't cope with it any more. One of…
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F&F offer wording
I got an offer of settlement letter from a DCA from a F&F. It states: "lf you are able to pay the above figure by the date required it will be acceptable in Full and Final Settlement of the debt and our client will write off the balance." Is this sufficient in order to be released from my liability? Arfhur
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Credit Unions
Not quite debt free wannabe but I cannot speak highly enough of these. I joined mine last week for a £5 an started saving with a £5 and applied to see if i could get a loan to consolidate my debt. With no problem at all they have agreed to give me a loan to clear my debt. It wasnt small either just over £4000. I mention I…
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My SOA
Dont know if this works, currently paying £400 to DMP...c.c.c.s Household Information[/b] Number of adults in household........... 2 Number of children in household......... 1 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1450 Partners monthly income after…
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DCA's chasing DCA's - A thought
Ok I have my mischievous hat on today (after complaining to the OFT and TS about a DCA's conduct). I am thinking of starting billing/invoicing DCA's when they fail to respond to reasonable requests which then takes 'considerable effort' on my part to then continue correspondance when they refuse these requests. When they…
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fredrickson international limited
hi need some advice ive been on a dmp for over a year which i have been managing myself most have which my debts have gone to debt collecters & has been fairly straight forward to manage till now. I had 2 accounts with nationwide 1 with a overdraft of just under £300 & 1 for just under £650 these were taken on by kpr debt…
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Non Domestic Business Rates - Bailiff Help
Background: I dove in at the deep end on a project building a Gym and classrom for a local rugby club that I coach at just to give the kids some facilities to use. We rented a derelict part of an old aluminium factory and I re-built the place but didnt look into Business Rates as I nievly supposed they wouldn't be charged…
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no way out
I previously put post up on here how do I stop full payments coming out my bank account on Monday of 4:eek: yes 4 payday loans (stupid cow!).....I have been on the phone to them for two days after advice from C.C.C.S........Two have give me 30 days for C.C.C.S TO CONTACT them for my DMP THE OTHER TWO noway (WILL TAKE…
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why oh why cannot i am not stop myself
hi all just me getting something off my chest. My LBM was forced upon me about 2 months ago and was the best thing that happened to me. Started a DMP and for me, importantly, started a proper budget and a spending diary. this month i have been so good - in fact i am well with my budget and for the first month in years i…
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Barclaycard Won't freeze Interest ??
Hi I am quite new to this. I sent of letters last week to my CC companies asking them to freeze interest and accept the payment i could afford ( for Barclays this was £ 21).I also sent them all the details of my income & expenditure. I got a phone call from them at work today and they said that the minimum payment they…
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An Evil Scheme
Would it be so very wrong, if I just walked out on my wife & Kids and let the state look after them for 6 months while I live in the woods as a tramp and pay off every penny I owe to CC's etc? It seems utterly wicked to me but it might even work. Is honesty the best policy?
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Credit card debt advice
Hi all, I have a familiar story and have accumulated lots of debt over the last 13 years or so and, over the last year, have really been knuckling down to try and get them sorted. Here is my credit card debt: Card 1 - 3,005.86 (limit 4000) Card 2 - 6,569.08 (limit 7000) Card 3 - 6,843.52 (limit 8000) Card 4- 2,387.04…
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Please help - Repossession !
I had posted this origionally on the 'Loans' forum but someone very kindly suggested I post on here for advice-this was my original post: Well my partner and I have been getting back on our feet after him being unemployed for two years and are paying off arrears etc with creditors and all is well except for GE Money, he…
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Barclays Debt
Hi, I'm presuming this is the right place this query. Around November 2008 I took out a £5000 loan with Barclays to pay for a plumbing course, arranged through the college, which I have now completed. After finishing the course I found near on impossible to find gainful employment, so was forced into working for free to…
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Waiting for the Postman!
Hi, as the title says, I am waiting in anticipation for the Postman to bring me my credit card statement. By working really hard and padding I have managed to get this bain of my life down from 3898 pounds in May to 1700 ish now :) . I now look forward to getting my statements through the letterbox to show me how much…
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I'm so impatient
Ok so there is no real point in this thread other than me needing to rant, sorry peeps!! I am at that point again when I am just so frustrated at how slow this debt payment is going! I am such an impatient person and though we are getting there, it just makes me wonder sometimes if there isn't something more I can do?! We…
