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CCCS review - so soon?
Hi I have today received a letter from CCCS saying that my DMP is due for review. My question is that I only took this out in October and made first payment in November so this is only four months so why is it up for review already?? Isn't it supposed to be after a year? I did have a payment which finished this month but…
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Overdraft mode
I have been living in overdraft mode for a few year now how about any one else? also does it affect credit rating and getting loans and mortgages if you continously live in your overdraft? Thanks in advance
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A little bit of advice needed
Sorry if this type of question is answered elsewhere - only just joined so haven't had to chance to read up on much but will do! So to my situation: I'm late (approx 2-3 weeks) on 4 of my 5 credit card payments this month and will not be able to pay the overdue balance until I get paid again next week. However, I will only…
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consolidation loans and who offers them?
Hey all, I have recently had a debt collector come to my mothers house for a debt which spiraled out of control from £80 to £360 due to my own fault of not being able to repay it, I have now managed to pay this off and I am trying to get ontop of my debts with a hope to becoming debt free soon, so althuogh this debt was…
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Consolidation loan
Hello Although I browse the site often I have never posted before I am in a good financial position with net monthly income in excess of £2500 However, I owe £24500 on credit cards with rates from 19.99-23.00% I have been trying to get a consolidation loan to restructure but it is proving very difficult I have no arrears,…
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Moorcroft Debt Collection *URGENT ADVICE*
My fiancees sister has two outstanding debts with Lloyds TSB totalling around 800 pound. She has been ignoring them due to being out of work until recent times now she does part time hours and does have a smallish, steady income. This morning she had a collector knock on her door from Moorcroft claiming she had to pay the…
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settled account now defaulted
hello all, I agreed a one off settlement figure with a credit card company, and paid the settlement figure in full the day they agreed it. the total balance was about £900 and they accepted about £730. This was in Aug '10. In Oct '10 they put a default on my account, and passed it to a debt collection agency (who've not…
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Quick help please re letter
I have looked everywere but cant find it.lol Please could someone point me in the right direction of the letter you send to a creditior when you want them to prove a debt is yours. ;)
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query re DLA/DMP/Care needs
I was advised DLA is protected income but that I couldn't put it down as DLA in then same amount out as care needs by an advisor today as i didn't have proof of what i spend it on, which varies each month due to the nature of my illness. If i was receiving a motability car i could put it down as i'd have some sort of…
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Car Insurance - just been told i'm not insured!
I went to renew my tax disc online today and was informed they had no insurance records for me and to contact an insurance company. As I thought i'd renewed my policy last August (I rang the company to change a couple of details) I was concerned so I rang them only to be told I haven't been insured since last year due to…
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Best loan options... had enough!
Hi All, Just wondered how realistic it is to believe I will actually get the 7.4% apr advertised by my bank HSBC on a loan? I have an okay credit rating, but its not spectacular. I have a loan with them already - I got 15k over 4 years and got 18 months left on it before it ends. I've battled on over the past 2 years with…
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Huge sigh.... here goes
Hello everyone :) I've been browsing this site for years (shame on me for not posting sooner) but it's taken me till now to actually register and post! I'll go more into detail later with my SOA, but in a nutshell, I owe 35k :eek: all to Lloyds. I have two loans and one credit card. One loan is for 20k, the other is for…
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Paying off all outstanding debts - need to check I've got them all!!!
I'm in a situation having finally sold my house where I can accept the settlement figures I'm being offered by my creditors. I think I've got them all covered but am concerned that I may have missed those that were joint debts with my ex and he has the paperwork for them. I've requested my credit record from experian but…
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MSE News: Birmingham Citizens Advice Bureaux saved
This is the discussion thread for the following MSE News Story: "The quintet of drop-in hubs had been earmarked for termination due to a lack of funding from the local council ..." Read the full story: Birmingham Citizens Advice Bureaux saved
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dept of work and pensions debt demand
fairly sure I know the answer to this one but would appreciate some insight. I recently recieved a demand from the DWP for a debt outstanding which I did not understand. rightly or wrongly I phoned them to explain that to my knowledge I had no outstanding debt with them. they explained that the debt was from a social fund…
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Thursday 17th February - What small DFW things will you be doing today??
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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Good Credit vs. Full and Final Settlement
Hello all, This is my first forum post and I'm hoping that someone can advise me. I have always managed to get credit and I have always paid my bills and debtors on time, even if it means we have sturggled in other areas of our lives. I have just received an inheritance and wish to pay off most of our debts. I have a loan…
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Threatened with Court, what do i do?
I am a 20 year old student, and because of some mistakes and mainly immaturity, I have managed to rack up approx £6,500 of debt, including overdue rent and student overdrafts i have gone over the limit on. I now have 5 different letters from 5 different companies all stating they wish to take me to court to get the money.…
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Help me get to pay day without crossing the o/draft limit!
Hi all I am a relatively new DFW. This forum has been massively helpful to me. I have managed to consolidate and now have only 1 credit card o/s which is a 0%BT deal with just under £6k. I don't use my other card any more. I have a formal £1,500 overdraft limit on my current a/c. Right now I am overdrawn by £1,144. Before…
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Not massive - but what would you do?
[FONT=Arial, sans-serif]Mobile [/FONT][FONT=Arial, sans-serif]with 'TMob' (My contract for son's phone who had been laid off! - yes I know – pse don't preach at me!!)[/FONT] [FONT=Arial, sans-serif]1. Over a few months / big bills / phone cut off / big final bill incl: 18 months contract cost = £650 ish.[/FONT]…
