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Letter from mbna - I this correct?
Hi all I am on second month of token payments and may have to do a third before going onto dmp. My largest debt is with mbna and they have been a nightmare with constant threatening phonecalls (6 a day at the moment) and letters. I have received a letter now saying that they acknowledge my letter saying I will be starting…
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Southernscouser - where are you??
My old DFW friend, where have you gone? Abandoned us now you are debt free? Or did you run off into the sunset with your carmats? :rotfl: Get in touch..... my niece has been asking about you! The folks aren't happy! xx
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Charging Orders and Beneficial Interest
Hello Guys, I wonder if someone could offer me some advice? I have 4 charging orders on my former marital home. My ex wife still lives in it. These were put in place before I became bankrupt in Feb 2009. I am now discharged. Since this I have transfered my beneficial interest to my ex wife as she is keeping the house. This…
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IVA's
Could someone whos actually had an IVA ( not someone who knows someone ) please tell me how much they owed, how much they were paying a month before they got an IVA, how much they pay a month now they have an IVA and any other useful info please.
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Bryan Carter/CCJ Set Aside
I'm trying to get a CCJ issued by Northampton Bulk Centre set aside. The process has been very drawn out, here's the overview; * zzz xxxx CCJ awarded against me for part of claim * zzz xxxx paid up * zzz xxxx more papers for rest of claim set to an old address * CCJ Issued * I apply to have it set aside as a) I was unware…
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2nd request ..re:mortgage on french house
Hi Can anyone help me? ..I have posted this else where but advised to pop it on here (so sorry if you have read this twice!) Ok I have got myself in a mess well and truly. I have been living in France for 2 years & not worked - lived on savings and credit cards and have stacked up £63K of debt ..yes I know I have been dumb…
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Overdraft Or Catalogue?
I am always in my overdraft of £500. I owe the catalogue £400. If I carry on paying all my bills as set I should come out of the overdraft more or less for good in November (obviously longer as unplanned spends always occur). I can afford to spend more on my monthly catalogue outgoings, though it would make me stay in my…
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M&S Debt
approx £4000. They have been ok with me so far, allowing me to pay monthly payment and freezing interest and charges for past 2 years. I have now received a default notice giving me 21 days to pay £400 arrears. I can't do it. Will they take me to court? What will happen next if I can't find the money? Thanks in advance.
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Wescot / O2
Hi all I have recently received a letter from Wescot saying I owe £108.34 to O2. I know I owe this but I am not paying O2 or Wescot. I had an O2 Simplicity £20 a month 800 mins 800 texts "Unlimited" Internet. O2 kept sending me text saying I had gone over my internet allowance and a restriction had been put on my GPRS and…
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In a pickle!
Hi, I wonder if anyone can point me in the right direction! My income is going to go down dramatically over the next few years and I really need some advice as to how I can reduce my outgoings and just basically cope. At the moment I can cope but we have to be careful about spreading the cost of any extras like home…
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F&F wording - is it enough?
My OH sent off some F&F letters (National Debtline template) a couple of weeks ago. Barclays called refusing the settlement but offering a higher one. Anyway, they haggled between them and verbally agreed an amount of 46%. The debt is being handled by CDCS. The letter has arrived today and says as follows; "We write with…
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its a start!!
Feeling pretty chuffed today, worked out how to get online to have a look at our joint account. We are heavily in debt although nothing disastrous all payments up to date and creditors happy etc. However it has concerned me that A) I couldnt actually tell you how much we owe, B) We have severe ostrich mentality, C) are we…
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Help needed - natwest took me od!!
Re done!!!!
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Newbie......
Hi, Right I am new to all of this so please forgive me if I post anything that doesnt make sense :D I have spent considerable time reading other peoples posts and seeing all the fantastic replies people give so thought it was time I posted my story..... I have never been great with money and twice as a student I got myself…
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Help needed regarding debt with Lloyd's TSB
Hello everyone we are after some advice please, I have lost my overtime and as of 6 months ago have had my hours reduced, not good but still better than many other people who have lost there jobs all together. 6 months ago following advice Id read on this website I sent an income and expenditure form to all my debtors and…
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New Christmas tool - pls help test it
If you've two mins please help test our new demoHOHOtivator tool Here's the main info https://forums.moneysavingexpert.com/discussion/comment/36611725#Comment_36611725 Please feedback there not here.
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Help/Random Ramblings
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rent arrears
Hi,I have been made aware my landlord of 5 years ago is persueing me for £2000 which is now £8000. The circumstances are complicated but I have evaded every attempt to be located. How can I deal with this ambiguous debt without giving this unscrupulous tic any money?:mad:
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Question over whether to accept rate increase
Hi all Quick question as I am not sure what to do for the best. I've currently got a personal loan with Santander which is at 8.9%. I borrowed £20k and have been paying back £428 per month for the last 3years and 3 months. I now have only 7 payments left :T However, :( I have made the common mistake of building up other…
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Why Why Why ??
hello all !! Why is it that so many people on here are so judgemental of others without even trying to help them without being blunt and rude ? This is a quote from a thread over in the loans forum, this user had a post count of 6: This is a typical example of what people are coming up against on this forum, a first time…
