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Now why does this feel funny?
I am coming up to payday and my bank account has money in it! Now, I know that it is directly related to my becoming debt free in Dec and is the 2 months payments I would ordinarily have been paying, but it feels so funny to be in the black, and I have even transferred the council tax & water rates payments so it is a…
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Unexpected CCJ.
Hi. Have a credit check(moving property) and to my surprise have a CCJ on my name at a previous address. After investigation found out that it was a outstanding rent of some FRIEND I become guarantor(about 8 years ago). Do I have any option now (apart from paying)?
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CCJ after default
Hi all, I have been trundling along with my DMP plan for a while now. It will run for longer than the 6 years the defaults and (one so far) CCJ will stay on my account for. I just wondered, if you stick to the monthly payments, can (and do) creditors still apply for a CCJ later on? Or is the general concensus that if they…
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setting up dmp a question
Am setting up my dmp with cccs i have copy of latest payslip and statements of outstanding balanco of credit cards and loans. I applied for a co-op cashminder account over the phone and after going through application they said it had been referred.... what does this mean ??? i have some slight arrears but no defaults or…
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Help - Is this Default Correct? Confused..
I have an 18 month contract with Orange taken out in oct 2009. Within weeks of getting the phone it broke, taking months to repair. Around Jan/Feb I stopped paying, stupid I know. I never heard anything from Orange after April 10. In August 10 I checked my credit file. There were two updates from Orange. The first said:…
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Capital Credit Union
Hi, Has anyone defaulted on a capital credit union loan? Just looking to see what happens. Thanks
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Mortgage Arrears advice please
Hi, I've very stupidly got into arrears on my mortgage - 8 months worth which is nearly 3k. My mortgage company have sent me a financial planner which I need to complete to prove that I can afford my monthly payments which I can now plus some extra for the arrears if I cut down my stupis spending. Will the accept my offer…
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Mbna f&f
Hiya, I'm currently in a DMP, do you think this letter is ok to accept? Dear alona1, Account - ******** Following our recent discussion regarding a partial settlement, please find details below: Current Balance: £3724.86 Settlement Amount: £2000.00 Settlement % of Current Balance: 53% This partial settlement is available…
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Don't Feel Like I'm Getting Anywhere
I am throwing everything I can at my debts but don't feel like any of it is improving. I know it is but I don't feel as though I'm seeing any benefits yet. How do you keep motivated??? I'm struggling to keep myself in check and not go out and think, 'Sod it! Can't tell the difference anyway!' and blow all my hard earned…
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Inspiration please?.....
Hi, I have been in debt for a long while now credit cards £6500 loan £5000 Overdraft £2500 Only last year did I swallow my pride and tell someone - I have kept it a secret since I was 21 (I'm now 29) I am currently off work with depression, partly to do with the money but mainly other personal problems.:( I keep trying to…
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will defaults/ccj get me sacked?
Hi I have been temping for an insurance company & been told I have been doing really well & they want to offer me a permanent job. The problem I have is that they want to run a credit check on me. I have several defaults and a ccj. I have no problem paying my debts as i keep up with my repayment plan on all of them but…
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Help - Mertiforce and Cabot Financial - confused as was paying Meritforce
Hi, I hope someone can help me. Basically what has happened is I have made two payments to MeritForce, for a Simply Be account, using their account details they gave me, via the internet and only paid the second payment a week ago. I have an agreement with them to say I will pay them £10.00 each month which I have been…
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Advice please
Hi, like many others ive been looking at advice on her for some time but this is the first i have had the courage to post. Basically my husband and me have approx 26k of mainly credit card debt. Included in this is a 4k overdraft with santander. We are currently making all the minimum payments. The problem is we have no…
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How do you do this with children who are used to no money worries?
Hi all, i am committed to clearing off my debt- no ifs or buts. I am just wondering how those of you with young children manage with not spending ANYTHING unless you need to, when you have children (in my case they are 11 and almost 7) who are used to having money spent on them nearly everytime we go into town? Don't get…
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OLD debts being chased - statute barred etc Qs
hi all, a bit of a lurker / newbie here. read alot of the very cool advice you all give so have steeled my nerves to ask some very worrying questions for me. Bear with me, theres a few questions and lots of stressing and its a long one folks! first of all, all my debts relate to the collapse of my marriage 6 years ago when…
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1st Credit...
Hello fellow debt busters! I have posted previously regarding an old debt I had with Intelligent Finance who have sold the debt on a number of times. I took a loan out back in 1999 and fell behind on my payments and defaulted. Long story short, the debt appears as being satisfied on my credit file (according to Equifax)…
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natwest bank
hi all, going got a problem with my bank, i missed my mortgage at chrismas time,i phoned the bank up and asked them can i make additional payments to catch up, they agreed that i can make 12 payments and gave a a sort code and account number to send it to, i also missed my personal loan at this time and trying to deal with…
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Urgent Help Required - Mackenzie Hall Debt Collectors
Hi, I have been trying to arrange a payment plan with Quick Quid for a loan that has been outstanding quite a few months now. However everytime I approached them the only thing they could do was a 3 month plan (debt of £622.50) which due to commitments etc I just couldnt afford. Every single time I contacted them thats all…
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how do i clear overdraft in dormant bank account?
hello all im newbie to here as a user but find the site very usefull and interesting, i have recently swapped bank accounts from halifax to tsb during the swap though i have a authorised overdraft of £600 which i am £572 into, i am unsure what to do as i cannot afford to pay it back all in one go, my question is if i ring…
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my update
hey guys just off the phone to CCCS appointment it was a little dissapointing the woman was very helpfull but there is only so much she can do because my JSA has not come through yet. still waiting on my new banck account to come through also my CT and rent paynet has not cleared so currently i have nothing coming in and…
