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Finally Snapped today
Hi, I am new poster here, but have been reading and trying to gain info for a long time. Right, I don't know if this is a record but my debt stands at a mind bending £119,815. Of that 63k is unsecured on cards and a loan, the rest is mortgage. Amazingly I am not in any arrears and have been servicing the debt, but the…
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Where do i even start - no idea
1st post so no idea where to start but here goes.......... Bascially run up debt on credit cards whilst renovating house stupid i know but at the time i was getting alot of tax credits so could afford the repayments, then they realised i had been way overpaid (i knew but just kept quiet stupid again!) I now get hardly any…
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Stautory credit report
Hi there, can anyone tell me if your stautory credit report (the one that is £2) includes any ccj history? I need to have a ccj check done and have proof that I have none. Can anyone help asap please? Many Thanks
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Can this really be? Advise on F&F please asap.
Hi Guys, Have had something hanging over me for ages, basically my ex and I had a property that fell in to negative equity, it was a 100% mtg and then they offered us additional lending. hhey We split and sold the property and even though the debt was mainly his (he used the additional to pay for some of his debts), it was…
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i don't understand how to get out of debt?
the only reason we are even in debt is because we couldn't afford things like gas and electricity which we needed lots of in the winter cos we had a little baby. the rest of our debt is when some months we have paid the rent and bills and its all our money gone. we need to buy food and pay for travel for my partner to get…
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DMP's - Myths and Truths
Hi All Being on a self administered DMP and reading this board and others for a long time I see a lot of posters who starting out on their DFW journey get confused about what Debt Management Plans actually are, how they work, what they mean to creditors etc etc. I couldn't find a definitive list anywhere (with the…
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Bristow and Sutor
Can someone give me some advice? Ok here goes..... I owed the council various amounts of council tax from two previous addresses totaling about £1200 Bristow and Sutor tracked me down to my current address and posted an intended seizure of goods to which i didn't respond. They then turned up knocked on the door and because…
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Consumer Credit Counselling Service
Hi, I am a first time poster. I am ashamed and embarrassed to say I am in debt of around £20000 and need to do something about it quick! I have a mortgage and a pretty good lifestyle(you can tell this by the debt I have). I cannot speak to my family about this as they would be ashamed of me too. Having done the online…
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Santander/Wetcott and an unpaid overdraft
Please stay with me whilst I ramble (sort of). I have an unpaid overdraft of £7415 with Santander who in Feb2010 posted a default notice on my credit file. At no time have I received any final demand or notice of further action from Santander so I wrote and said that if they removed the default I would willing agree to an…
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Help needed
Hi I am desperate for help. I have 3 credit cards plus 2 loans and now my cards have run out of interest free charges. I am now being hit with about £80 a month interest with the cards and I also end up being overdrawn in my bank so they add on £22 a month, I also have a large overdraft! I can pay the loans no problem but…
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Cabot
Hello all, I think I've seen Cabot mentioned on here before, and am looking for peoples' experiences of them. We found that they owned a debt upon applying for the credit cheques, so wrote to them asking them for details of the debt. They did not reply to the letter, but passed the devt onto another agency. They have now…
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Dmp-help
Im on CCSC dept management plan and my bank wrote me a leeter that will be calling to my home.Has anyone had any similar experience?Anyone knows how to follow it up?
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Past due credit solutions Help???
hey all, Ive had a letter from Past Due Credit solutions today. it says on there that i should ring them immediately but it does not give a name of what the debts from and how much is owed. Il be grateful with any help, Thanks
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1st Post - Help Needed
hey everyone, This is my first post here asking for your help. I have been reading for a few weeks now and decided to post and see where you can help, as i feel things are getting tighter and tighter for me each month. Im finding i can't enjoy the lifestyle i'd like too, and with my girlfriend recently moving in she is…
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Im receiving constant calls to mobile and home to clear debts?
For the last few weeks, Ive been recieving calls to both my home number and mobile number. ALL calls are from manchester, but all supposedly from indian call centres in reality. Today I received calls from a "claims advisory group" call centre, wanting me to start a claim with them. Ive never given my bank details to…
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unsecured arrangements - cant pay
cant pay my credit card at lloyds tsb. I have gone thru Inc & expenditure and they say that they can do something for me. basically I will be on a reduced payment for my overdraft and credit card. will they close my overdraft? has anybody been down this route before. basically they know about my circs but I am not sure how…
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DMPs
I am entering a DMP and my debts include a payday loan. Being that they're not obliged to negotiate, has anyone had any experiences where payday loan companies don't co-operate in this situation?
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CSL help - again!
Hi all I posted recently regarding cheques which hadn't been cashed by CSL. I have an arrangement to pay them £6.39 per month and have always maintained this payment. Following helpful advice from Hannah_10 I posted a cheque for £12.78 (after cancelling 2 previous cheques which hadn't been cashed) and copied this cheque…
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Can anyone recommend a debt management agency/company?
Hi Folks, I really do need help with managing my multitude of various debts. I avoid opening the letters but when I do I just see crazy and unreasonable charges being added. I really do bury my head in the sand as the whole thing is overwhelming. I have 3 (maybe 4?) CCJs and then other debts of around 25K but from all…
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Ignoring demanding letters coz I've written offering token payment - is this ok?
I contacted all my debtors about 2 months ago informing them of my situation enclosing a budget and a list of debtors. I've only contacted them since then to try and get them to stop calling me so often which has worked - mostly :) But I'm still constantly getting letters from them demanding more money or saying they can…
