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FF and CCJ's - can it be done?
Hi again, I have recently received CCJ proceedings for an outstanding debt, is it possible to still offer a Full and Final Settlement at this stage, my Dad has offered to help me out although we can only raise possibly half the amount owed - would this be possible/worthwhile or won't they want to know - if they dont accept…
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experienced eyes needed to look over soa
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... 2 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1842 Partners monthly income after tax....... 0…
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Advice Please, DMP Split Up
Basically split from wife last year we have two young kids, we had a dmp, mortgage and secured loan. She proposed that i move out, she pay the secured loan and mortgage and i pay the DMP. I have been renting a house with my brother since NOV. I have struggled but could cope, just. She has now hit the panic button saying…
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Debt transfer. Advice please
Please help me. I have 2 debts in my fathers name, one is a loan for £2.5k (£30pm) the other is a credit card for £4.5k (£75pm.) My family needed the money at the time and was unable to get credit due to my poor credit rating, hence why I borrowed it through my father. Now I want to transfer the debt into my name as I dont…
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Remortgaging to pay off cards?
Hi everyone, this is my first post here -hope it's ok to dive in and ask for advice, and sorry if it's long! I'm considering my options and struggling to figure out what the best course of action is to get our debts under control. We owe a total of £10k on three credit cards, currently all 0% til next year. Our minimum…
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DMP mortgage
Hi Just a bit of advice please?? I'm currently 1 year into a 5 year DMP. My wife has a very good credit record and file and we're currently not financially linked. I do though earn a good wage. She currently has a mortgage on the place we live together at (I pay her rent) but we'd like to move on to a bigger place. Is at…
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renting while on dmp
hi there, im new to posting but have lurked for a very long time! I am just wondering if anyone can offer me any benefits of their experience - me and the hubs are just about to start our dmp. we currently live ina flat but will outgrow this most certainly in the target 5 years debt free date, as we have a little boy whose…
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What should I do ?
Hi All Firstly before I hang my head in shame :( Im married,have a little boy who's 3 and work 30 hours a week. I entered a DMP with a company a year and a half ago and I have foolishly gone further down the shame spiral and made my situation worse by amassing more debt I currently pay £140 a month to my DMP company and…
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I owe way too much please help
I have today finally faced up to the fact that im in trouble. I need help on what i should do and how to sort myself out. I'll be honest I have been trying to ignor the problem of the amount of debt that im but i need to sort it and i dont know where to start. I thought i was doing well because i have been paying all of my…
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Santander / Cahoot
Hi everyone. I'm attempting to settle a Cahoot account, which has been involved in a DMP for a while. I have documentation from last year that Cahoot filled it that states the outstanding balance and also states that interest was frozen. I have taken this outstanding balance, minus payments made since that date and have…
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Whats happened to Consumer Action Group?
Hi All Is there anyone out there who knows whats happened to the concumer action group site? :eek: Faraway
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Payday Loans
Hi All, I've been brought to this site whilst looking for advice on how to get myself out of a viscous circle of payday loans. I'm only 21 and last year was offered a credit card my my bank with a £500 limit, thinking it was a good idea at the time i accepted it. Stupidly i used up the credit and struggled to pay it back…
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Our consolidation experience
I know that generally the advice is not to consolidate but a few months ago we decided that this was the best option for us to lower our monthly payments and apr. It is really working well for us, this is the 5th month in a row that we have made an overpayment to our loan and all of our cards have been closed. Things are a…
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Unauthorized credit searches from DCA
I just used equifax to access my credit report and I am disturbed to find 5 unauthorized credit searches IN ONE MONTH from Capquest debt recovery LTD. All of the searches are marked under table one (IE: credit searches in relation to credit applications) of my credit report and all of them are marked as either 'debt…
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Help!Need mortgage advice following split and bad credit
Hi, This is the first time I have posted on here and really need some advice as I dont know where to turn. I own my house with my ex-boyfriend (we split 6 months ago). Mortgage is in both our names, house is worth 10k less due to recession than when we bought it. My credit report was perfect up until 2 years ago, when i…
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cant pay cos of bank charges
i cant pay my per loan this month as i have been slapped with over £200.00 bank charges. the bank know of my circs as i explained to them two mths ago that my disp income is minus. they know that i am struggling is there anything I can do?
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The great credit report myth
What is it with "credit reports" that these mysterious organisations called "credit reference agencies" feel they have the automatic right to hold on every citizen? Who/what gives them this right in the 1st place? Do they not think of asking for citizens permission to hold all this information 1st or is it something that…
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In DMP should I still ask for CCA's and SAR's?
Hi Guys Looks a great forum. We got into a mess years ago and ended up getting bombarded by debt collection agencies via phone, letters, cards posted through all to a point where I felt I could no longer go on. I tried talking to them but they were such !!!!!! that I gradually thought f**k them all, they can't kill me and…
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Debt on my file, but creditor never contacts me
I CCA'd Santander's DCA (Apex) about my 10k debt six months ago, after being on a DMP for years. The DCA responded saying they were closing my account and sending it back to Santander. At this point I stopped paying them (they'd closed my account, I don't know who to pay!) and then CCA'd Santander and they responded with…
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Hello again.....
I've been here before, and I'm back again. Having cleared all the debt left over from a big holiday to Florida a good few years ago it has crept up again. Annoyingly, not because of any huge expenses but we have made the mistake of having a couple of small breaks which we couldn't really afford and it's all mounted up…
