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Nationwide debt
Hi has anyone any advice? I have DMP since June. This was done with the CCCS. At the moment all my creditors have agreed apart from one, My Nationwide credit card was passed onto KPR who asked me to pay off the full amount, I explained my situation was then asked by them to speak to family friends or neighbours to lend me…
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To contact or not to contact that is the question
Hi all Have been asked to start a new thread with this one I have been on a DMP for 6 months 1 of my creditors has refused to accept my pro rata offers having complained to them they have sent a letter to say they will no longer correspond with me and will file any future letters my question what happens now at what stage…
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Bit of advise please
Hi, I've been an on off visitor of the forum for a while, but have finally decided that I need to take some serious action. I am currently in approx 12,000 of credit card/loan debt, prior to xmas last year we had the mortgage reduced as we couldn't make the payments, i changed job and we managed to sort ourselves out, as…
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Another query on Full & Final's
Hello Everyone Needing some advice on getting 'fully satisfied' on F&F's. After sending letters back and forth for the last few weeks Nationwide have accepted our offer of £2500 on a just over £4000 debt which we are happy with:j, but they will only accept this as partial settelment of the debt and have confirmed that…
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NATWEST unarranged overdraft fee query
Hello - I am constantly posting this week which I think is a positive sign. I have posted in another thread about this but to recap, Last month I knew I didnt have enough in my NATWEST current account to cover natwest loan. I had paid all utilities, mortgage etc and withdrawn cash to pay for food, petrol etc.etc. I asked…
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About to loose job and worried about debts and outgoings
About to loose job and seeking debt solutions! The company I work for has just started offering voluntary redundancies and it wont be long before we seemingly go to the wall. The silly debts I have amassed in the last few years are now starting to worry me. Its come to the stage where I am earning a decent wage and after…
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Apex Full and Final offer wording
After playing hardball I managed to get a full and final offer of £300 accepted on a debt of over £700 with Apex. In their short letter in which they accept my offer they say To me this seems excellent. BUT I want to be 100% sure this will be the end of the debt. Do you think I should ask them to send another letter more…
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CCJ- Judgement says I have to pay in full and I can't!
Sorry if any of this doesn't make complete sense but I am having a right old flap today! I have received a Judgement for Claimant (N30) from Swindon County Court re a CCJ that Nationwide applied for, for a £3361.80 credit card balance. Paperwork states 'You must pay the claimant forthwith' When I sent the original form…
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Council tax, baliffs and an offer to pay
Hi, Put simply I have made an offer of £150 a month to clear a council tax debt. The debt collectors state that this is OK however they will need to send a bailiff round to do the paperwork. I am not happy about this because it will add extra cost when I am agreeing to pay. Can they do this unreasonable action. It is also…
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alliance and leicester?unenforcable debt?
hi there!we took out a loan with the aforementioned company,but they have now been taken over by santander. my question is..this loan was taken out late 2006/early 2007.whats the likelihood of it being unenforceable?I mean, i read on a thread that pre-2007 loan agreements are/can be shady so i am just wondering if its…
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Living In Overdraft, Spending More Than Im Earning But Desprately Want To Change!
I am a 22 year old with a girlfriend and a 9 month old baby. We dont live together as we cant afford to because our money just seems to disappear. I work full time on minimum wage and after reading posts on this site i can see that i seriously need to stop spending but im still not completely sure how. I also have 3…
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DCA and MBNA
Hello again Just had a letter to say MBNA have passed my account to a DCA and I should send all payments and letters to them from now on,MBNA had accepted my DMP which I have paid on time they defaulted me last month so is this normal practice
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*EAT AN ELEPHANT* Weekend Daily Chat 11/12 Sep 201
Yesterday it was frogs....:D Today its an elephant..:p My elephant is my spare room which is full of clothes which I have been meaning to ebay for weeks and is now depressing me. So as it is free listing weekend I am determined that by tomorrow evening I will have everything - including the kitchen sink that I have to ebay…
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Starting DMP what to do next
Hi Everyone, I have spoken to CCCS and am starting a DMP with them. They have emailed me the DMP agreement for me to print off and sign and have asked me to send statements of all my creditors. They have also asked me to inform my creditors but do i do this once I have opened my bank account with the Coop on Tuesday? I…
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Sat/Sun 11th/12th Sept - What small DFW things have you done 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…
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advice - got a job and don't get paid till next month bills to pay
Hey all im in a bit of a pickle i started a new job today i need to pay my credit card bill of 30.71 i wanted to deposit £30 to pay my credit card bill but my account is overdrawn now because my mobile phone provider took out my bill of £35.46p and now i can't pay my bill however i have around 25 days left to pay my bill i…
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defeated - the only option
hello all. apologies for introducing myself at such an ungodly hour but sleep doesn't come easy when stressed! soooooo, i've done the debt remedy form online from cccs and i will be calling them on monday for some more advise. my options were bankruptcy or write to my creditors and offer £1 per month (yes, it IS that bad -…
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F&F - Realistic?
need the benefit of your collective, thoughts and experience. Another cropper of my husbands financial annihilation was NR. I've already sorted out the PPI situation and they have agreed they were naughty - see my siggy. Anyway, this debt is still currently under my husbands DMP (and covered by DAS), and the payments are…
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Help - any advice?
Hi all, Really stressed, worried and depressed right now as our finances are being stretched to the extreme. I hope people won't judge or criticise me, we have NOT lived an extravagant lifestyle but have had a number of major issues affect us. We are in our late 50s and the children are just about to leave home. In…
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Credit card changes in interest rate
Just started a DMP with CCCS and the Bank of Scotland card services have refused to accept the offer of payment and are continuing to charge interest. To rub things in they've also sent me advice that they are upping the interest rates by 5%. Anything I can do about it? Ta.
