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Debt-free wannabe

Archives for February 2011

administration order
I took out an administration order against some of my creditors..I now want to append another creditor..do I have to restart the whole process? also can I include HMRC as a creditor? since they seem to be hitting me with fine after fine, even tho I am an individual on JSA and have nothing to do with self - assessment? dont…
Would a default affect an application for a mortgage
Hi I am wondering whether or not a default I picked up in 2008 would prevent me from getting a mortgage. I would be a first time buyer so I am wondering if this may also be a factor for being declined?
How damaging is a default really?
All, My 2nd post and what a great place to get good advice. I have a default on my credit file (a measly £73!) from an old vodafone contract. Start date of default is April 2006..so in theory should drop off in 14months time? From reading these pages it is amazing how even one default can seem to severely affect your…
Home visit by DCA
I have received a postcard through the post by a DCA company stating they are going to call at my home. I have advised them I am with Payplan and gave them the reference number. Does anyone know of where to find the template letter to send advising them about not entering my home without an appointment. Thanks in advance
£20k debt
Hi This is a strnage one for people with debt but not crippled by it. We're in the lucky position of not struggling to pay things off more aof a it would be nice to shift it asap by making overpayments, I can overpay them all but don't know what the interest rate on anything is! We have approx £20k debt that's a loan,…
Bailiff at door calling back later plx help urgent
i live with partner daughter on benefits lodges with us baliff attended put on her BF car on inventory it was for a motoring offence she commited in his car oiriginal fine £105 bailiffs fee £75 attndence £200 and £150 if car removed she does not have anything of value in my house i do not have anything in house of great…
Retirement Lump Sum Creditors Question ?
This is a Question on Behalf of my mother. She is taking out her Lump Sum pension from work NHS. Of £9000,.She has Debt plan with CCS counseling services. Is she obliged by law to pay off the creditors? Or can she contiune with the existing price payments each month. Thank you for your time help and advice.
Staying out of debt...
Hi This may be a strange one but I know you guys understand better than most! I've been debt free now for a good few months (yay!), but find having money difficult to adjust to. It's like I spend it to get rid as i'm so used to being skint and, oddly, feel more comfortable. I'm not getting myself into trouble with debt as…
Help! Advice needed
Hi everyone I'm new to this and could really do with some advice. I've got a big debt with several creditors, I'm dealing with CCCS who have worked out my budget plan, and I've sent the template letter provided by CCCS to my creditors along with the pro rata payment. Shall I contact them by telephone as well as sending the…
Soa
Hi Guys, Just after some advice. Please see my SOA below: [tt]Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................…
Did My 1st Credit Check, Found A CCJ
Did a credit check on myself and have found a CCJ, it only states the court name, not for who it is, so I rang the court and they said its from a debt collectors. How do I find out who is the orginal debt and do I pay them rather than the debt company (HL Legal)? Thanks
Consolidation Loan instead of DMP - Good idea?
Hi there, I was hoping some of you might be able to give me a little advice. I had debts of £23k. I defaulted on most of them about 3 years ago and have arranged voluntary agreements with the debt collection agencies who have frozen the interest and I have been paying these monthly. So far I have got the total debt down to…
What Can I Do?
Hello all. New to this so please be patient. Ok, here goes, I am currently unemployed - hopefully not for long, my savings are just about exhausted. I am home owner with approx £55k equity I have no credit/store cards No other debt The building society wont re mortgage, but I am on interest only repyments for 3 months…
Cleaning up my credit file
Hi there, I am attempting to clean up my credit file as best as i can and I've been looking through old threads for advice, I read that you could try requesting a default to be removed by writing a nice letter and I want to try and do that to halifax, Its not a default as far as I know but it does list the original amount…
what do you do first?
hi there. ok I have a wee spreadsheet on laptop of a plan for being debt free... my question is what order do you go about it am a bit in limbo... I have combined me and hubbys debts and all wages in my account to then tackle these ... three are high interest credit cards - where i can afford to pay 30 each week to pay…
Advice needed
Hi All, we have a barclaycard each and fell into difficulty paying it.We went on a dmp approx 3years ago,however we then changed it and are doing it ourselves. On Hubbys we pay £42 per month min payment-the interest is £20 a month give or take a quid.We pay £30 a month off mine,interest is £13 a month. I need advice…
Help with MBNA Credit Card Debt
Hello all, long time stalker's first post... After following all the helpful info on here, I have contacted MBNA about my credit card debt - I owe approx £8.5 k. I have been trying to keep up and have made some payments but Im still in arrears totalling seven months payments £1260. I will have some extra cash at the end of…
Full & Final Settlement - Advice please?
Good morning all Its been a while since I logged onto here and Ive been chipping away at my debt over the last four year. Had a few blips but all creditors generally happy with my contributions. My partner and I are currently expecting our first baby and with this in mind he has also just come into some money and has…
Direct Debit problem
Hi Guys, 1st off, sorry if this post is in the wrong place...... Not been on here for along time, as doing ok on my finances now :) But still look at all the advice you guys give and take it on bored in case i get in to trouble again. However come across something I've never had before.... I had a small flat which I…
Only 3 companies out of 9 have got back,Do I re-write Offers/SOA?
Hi all, I have a thread under “In debt big time/Help wanted”, Just want some advice on this please. I’m worried as only 3 companies have got back to me say they will reduce payments & have set up a standing order to them each month, all the others are still sending me statements & telling me I’m in arrears even though the…

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