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abreviations
can anyone tell me what they mean? dwp, cccs, and the items at the bottom of peoples posts?
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i think i am daft
half of the problem with my money is i am useless with numbers :( i tried the soa thing and i cant make head or tale of it , i am sorry and i am now getting desprate, i canceled my switch card payment of 50, as i contacted the debt agency who are writing on my behalf, to seeif i can pay 100 per month instead of 200, i want…
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soa
Household Information[/b] Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 694 Partners monthly income after tax....... 1620 Benefits................................ 971 Other…
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Brighthouse Help
hi, just wanted abit of advice, got a cooker on hp have paid £600 todate and £800 outstanding. anyway, stoped paying just before xmas due to financial dificulties and have still not got this sorted... so today i get a knock at the door, 2 men standing there said there from caversham finance limited regarding the cooker,…
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Desparate Advice Needed - Calling Me Tomorrow
Hi all, i'm a serial lurker on this site having to much debt to mention but one in particular is an Egg Loan who have sold me out to DLC Collections, they called me last week and basically bullied me into paying £1000 by debit card (overall debt £3,600) telling me that if I didn't they would be applying for a CCJ, so…
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Speed Loan Finance part of Albermarle & Bond
I was wondering if some could give me a bit of advice. I took a out a loan in 2004 from Speed Loan Finance part of Albermarle & Bond PLC. As you can imagine when they went to cash the cheques back in 2004 they all bounced as I became unemployed. Anyway to cut along story short back in December 2010 I did a search on a…
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Credit report - missed payments and paying in full
Hi, Hoping someone who understands credit reports can help me here. I have struggled with payments on a store card and credit card that I have had for about 7 years for the past 6 months and missed quite a few payments, at the moment I am behind about two months. I haven't spoken to the companies but apart from adding…
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debt collection agencies
Hi, just needing a bit of help for my mum please, hoping someone can help! She had debt with a marks and spencer card years ago and it was passed to westcot which she paid for ages. She hasn't heard from them for over a year now and due to the amount she has paid thought she had paid the debt off. Unfortunately she didn't…
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Second time lucky?... (& some advice on defaults please)
I joined here quite a while ago now but didn't stick with it. However, today is a new start and I am determined to be debt free (hopefully within 6-8 month). Firstly a little a background on my debt. My major debt is with my mother. She paid off all my credit cards so I could be debt free, however, once I had most of them…
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Are Moorcroft lying to me?
Evening all. I have a default notice on my file from January 2009. Alas, it is pretty much my fault how it got there as i was young, dumb, and full of...idiocy. The unsettled balance on Equifax is £56 which i am quite happy to pay off. I rung Orange to see if they would take the payment, who after ages going round the…
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Charging Order on my property?
Hi Some time ago I was threatened with a CCJ for an old debt. I had had a CCJ on this around 10 years ago, but was not aware of it having moved around the time it was issued. When I got threatened with the 2nd CCJ I paid the debt in full. Now the debt collectors in question, who are well known here, have claimed I still…
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Direct debit question
Hi hope someone can help! out Picture loan has passed to Webb who I believe have bought them. had a letter saying we didn't need to do anything - things would continue as normal. We are going to struggle to make the full payment this month so I want to cancel the DD and make a reduced payment. I have gone online to do this…
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my soa
hello all newbee have just done a soa wich i will post with this, i am unable to continue trying to service this dept as is all am doing is increasing the dept, i have incurred it through funding the completion of building a house and now find i am unable to remortgage to clear the dept it has been a bit of a juggling act…
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A & L overdraft charges
Can someone please help me? I'm being charged 50p a day on my A & L overdraft of £1300. What percentage rate is this? Thanks in advance.
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Does a CCJ automatically get removed after 6 years if debt is still being paid off
Hi, Great forum and advice for all. First post. I have read re CCJs and after 6years being removed etc, but I seem to find conflicting advice re if the they are removed after 6 years if I am still paying the debt off? So, was awarded against me in Jan 2004, I have since been paying off at £60/months and now down to £4k.…
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keeping track of spending
Hi all, Just wondered how you track your spending? We are on a dmp with CCCS and I would like to make sure that we are not spending to much on food etc. We are not OD and are managing well with money so far! Is a spreadhseet the best way and anyone got a template? Yes i am being lazy but you lot are great at helping ;)…
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advice please
advice needed please, my dh was informed he owed money to a merchant last year,his work is hit and miss at the moment due to this blasted recession.he cant afford to pay it back in one go . we had a few visits from a couple of heavies who said they had vested interest in the company and had been sent to collect the money.…
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How can i get this right?
Guys, the time has finally come for me to admit defeat. I have done the SOA, sorted out a budget, even keeping a spending diary but i still dont seem to be in control of my money. I know what the average income/outgoings are per month. I'm doing my grocery shopping online to help keep it to a minimum. I havent bought…
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Please Help!
Hi. I am not new to the forum but I have not been on here for a long time. I don't remember my old username etc. Anyway I have had quite a few problems over the last year or so which have now put me squarely further into debt. I want to now start getting out of it again but need the advice of all you wonderful people!…
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Two companies claiming the same debt
Can anyone help? My oh & I have been paying off our debts since 2006 making small token payments to our 24 creditors. We were unable to get a DMP with Payplan and I have been dealing with all of our creditors myself. At the beginning of the month my oh got a letter from Fredrickson International saying they had taken over…
