-
repaying debt - A bit confused?!
I'm wondering if there's anyone that can advise me how to go about sorting my debts out? I repay every month without fail, and in no way am I experiencing difficulty meeting these repayments. I've had my fun in the past, and the money I repay (waste!) could be enhancing my boyfriend's and my step childrens lives, and it's…
-
Share your signature!
I love reading peoples signatures and that insight into df journies! I thought I'd start a simple thread! Just say hi here and we'll all get an insight into each others journeys :) Motivation here we come!!
-
Credit card liable to default not on credit report
Hi, I've got myself into trouble after my husband left me last year and I've got a Natwest credit card among others that may soon default. I want to pay it back but I can't afford it at the moment - and it's also the biggest outstanding amount. I owe some other cards which I could afford if I didn't need to pay the months…
-
O2 overcharged me and the threat from Moorcroft Debt Recovery.
I owe O2 169 pounds before and received the letter from Moorcroft Debt Recovery Limited asked me to pay 203 pounds. My situation is a bit different from other people on the forum cuz I didn't spend that much money of calling. I was overcharged. There's no way I spent 169 pounds over a few calls. I suppose there might be a…
-
Scotcall
I owe £360.00 for a gym membership. It has been passed onto scotcall and one of their agents called at my door last night. I wasn't in but he left a card with my husband. Now, I want to settle this asap but won't be able to until late next month so need to set up an arrangement untill I can settle. Am I ok to pay a small…
-
Help for young people with debt...
Hi all, I'm new here, so hello, been lurking occasionally but decided to post now! :D I've been looking around the web to find help for young people with debt, there's so little out there! Almost a year ago my brother's friend got himself in debt regarding a payment for a PC and the debt mounted with interest and he ended…
-
6 years has passed....
Checking my credit report yesterday i realise 2 companies are still there, one should of gone 12/12/2010 and one in November, both are still there and making me look bad. I called one company who want it in writing, and i am a bit nervous about calling the 2nd as they are still sending 'we will send a balliff' letter even…
-
Reducing interest on Vanquis card
Hi all, I currently have a Vanquis card with just under £3000 outstanding on it. I initially took it out as a way of repairing my credit rating, which worked pretty well until a few months ago when I got into some difficulty with it. It's not horrendous yet, but it's difficult to keep on top of, as it has a huge 38.8% APR.…
-
You've saved some money? Do you share your saving?
I've started an account with top cash back after hearing about it on this site. Last night I mentioned to my OH I've got nearly £120 in there - to which he replied am I sharing it? Cos he pays for 1/2 the pet insurance he should benefit from the cashback for this?? This is the only purchase that is something joint between…
-
Wed 16th 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…
-
I'm paying back the debt... but how do I repair the damage??
Hi everyone! I am expecting my first baby in May and would really like to think that moving into a bigger house in the the next 2 years or so is an option, although I am so scared that this wont be able to happen? So at the moment I am making all minimum payments and I am debt busting the best I can, making over payments…
-
What do you think???
We should not be in the mess we are in, but we are and we need to address it now before events overtake us. We owe £32k in credit cards, loans and overdrafts, plus a £150k repayment mortgage. Our net income is £2600 per month. We've done statement of affairs, spreadsheet analysis, but the bottom line is, major cuts are…
-
Your thoughts about full and final settlement
Evening all, We are currently in a DMP with CCCS and have seen the letter templates and details about if we came into a lump sum of money - then making a full and final settlement offer to the creditors. Has anyone done this? And if so - what were your experiences? What % did you offer / have accepted and are some…
-
A world record? - Carter Forbes collections
Hiya... any assistance would greatly be apprechated. Through my own fault, being a 20 yr old student (at the time), and plain dumb... I have ended up in a sticky situation, lots of loans and credit cards, payday loans etc etc. Totally my fault, my problem and admit I owe every penny. I have taken full responsibility for my…
-
going to miss a payment please advise???
Ok i have a loan with Halifax and and its £180 a month i have only previously missed one payment (in god knows how many years) and they were awful and rang me 4-5 times a day rang my parents rang the house and sent awful letters (was 1 month missed and then re paid so i was tech a month behind for a few months) in the end…
-
Natwest credit card help please!
Hiya I have a credit card with Natwest which I've had forever and is over the credit limit at £6200. The minimum payment every month is £145 and I cant afford to pay any more than this and the balance is going up every month! Due to "associated credit" I am unable to get a new loan / credit card to switch this too. What…
-
HELP NEEDED!!! Roxburghe and Wonga... scam?
Okay, I need urgent help. About a year ago, I stupidly used Wonga to get through Valentine's Day. Paid back on time, there was no biggie. Then I used it again in April 2010. Big mistake. Less than a week after taking out the loan, I got sacked. I was informed by my colleagues that a tax refund I was due would come through…
-
car finance
Hi Guys, I would really appreciate any good advice....my girlfriend got a car in November 2008 on a three year lease type deal. In June 2010 she began to default on the repayments and the finance company would not accept her offer to repay the outstanding amount. They said she had to clear the outstanding amount in full or…
-
Default Error?!?
I asked a question a few days ago and have only just got around to looking at my paperwork and various credit checks companies. Well when everything went wrong in 2006 I had a Notice of default sent to me from the CC issuer(which I still have) - I assumed this would be the date shown on my credit file. Well according to…
-
Please help, creditors saying they will not accept my dmp?
Okay, to cut a long stroy short my rents gone up and i cannot afford to make the min payments to my 9 creditors. The biggest one being shop direct with 6 accounts. After reading serveral posts on here i got in contact with payplan who advised me to send a letter explaining my situation, a list of my income & outgoings, a…
