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ofset credit card payment advice
hi i have for some time been on repayment schedules to try and pay off my credit cards. Since Goldfish were taken over by Barclays they have decided to cancel my repayment scheme and put me back on normal repayments.I am ok with this as it mean it can ony help my credit records and i intend to repay more than the min every…
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Statement of affairs, please look and advise
Statement of Affairs and Personal Balance Sheetremoved for personal safety
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Help!
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Newcomer anyone help??? xx
Hi Im not really sure if im posting on the right page or not, Im not too clever with computers and forums! I have a credit card with MBNA (which was a Ryan Air credit card) I was approached in an airport about 7 years ago about taking out the card, I filled in an application form and upon my return home a sparkly new…
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Aqua cancelled my pp
Hi I have been on a payment plan with aqua for about a year now. my balance was coming down nicely as there isnt any interest.charges being added. I got my statement for this month and it seems the plan has been cancelled! They now want £190odd a month and im now getting interest added! :( Iv had no letter or anything…
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Payday Loans - Cheques cant break the cycle HELP
Feel like a fool writing this but heigh ho nothing to lose :cool:. I first cashed payday cheques four years but would only borrow £200 so paid them back and basically used them as they should be (not long term). I got myself in a pickle with them 23 mths ago when I borrowed the max £600. I have been rolling them over ever…
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My step in the right direction
I have finally accepted I live outside my means and completed this planner. I work very hard in a demanding job, and feel I deserve nice things at the end of a long week, and living in London that has been my downfall. I know looking at the budget you could say stay in and don't eat out, but eating out is something…
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Taken the plunge
I have today contacted Payplan. I have £14550 worth of debt and have been paying as much as I can off when I can. The 4 credit cards are on 0% interest, I have a bank loan and an overdraft. (The loan has £3800 remaining and the overdraft is currently £2000 overdrawn). I have been paying off the cards, slightly more than…
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please help - Aktiv Kapital
I have been asked by my mother to help go through her bank statements and finances as she has a condition that affects her memory and doesn't know who or what she is paying money too and I came across a direct debit she has been paying to Aktiv Kapital. I asked her about what this was for and she said that she received a…
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Financial Disassociation
Hi Do all joint accounts, loans & mortgages have to be closed/repaid before I can get financial disassociation from me ex? We've lived separately for over a year now & I have my own income, flat & bank acount. We've been unable to sell the house so it's now being rented out so I'm still "technically" tied to him but pay no…
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Littlewoods 28 day rule
Dear All, This has probably been answered somewhere else but I get paid monthly on the 15th of every month and pay all my bills on that date. For the past two months I have become aware that Littlewoods payment dates are creeping forward a few days which is meaning they are sometimes asking for 2 payments a month. I always…
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Intrest yearly or daily?
Hi MFW, I wondered if you could help I want to start making overpayments and my mortgage with C&G intrest is paid yearly. It says on my statement that any overpayments that I would make will come straight off the mortgage balance but the intrest wont change. I presume intrest will be charged as of previous balance before…
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Few Questions Regarding Unsecured Debt.
Hello people, Hope you can help me with a few questions. I'm 26 years old, in steady employment, however I have a previously sketchy credit history due to being at university - there are many reasons for the debt. I've kept my head in the sand since 2005/2006 and i've not really done anything with any of them. Since this…
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debt management
I have been in debt management since September last year and what a big mistake that was. They where charging me £43 every month to sort out my debt, they were late paying people, never answered my emails or phone, breaking agreements that had been set, missing months out??? i was just up the wall with them well i still…
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Debt Collectors for Housing Association
Hoping that someone out there has some good advice for me! Back in 2006 I was living in a council flat on housing benefits after a nasty accident at work involving a rickety shelf and an old school CRT monitor! Ouch! After being told that I would never be able to walk properly again and would most likely be unable to work…
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Letters/forms to see if credit card debt enforceable
Hi does anyone Know where i can get templates of letters to send to credit card companies, or if ther are any books on the subject? Thanks tony
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Redundancy Vs Debt overpayments
Just a bit of advice needed. Just when I thought everything was going well! I have been making lots of overpayments and hoped to be debt free by my 30th (next May).... However, I work for a charity and it looks like cuts will need to be made. My colleague has just lost hers and I was advised that it was between me and her.…
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Re reducing credit limits
Hi all I was just wondering is it a good idea to reduce available credit limits as I repay my debts? at the moment every time I repay say £50 off something I reduce my limit by that amount in the hope then it will decrease my ability to spend, just thought id ask in case for some reason I shouldnt be doing this!! Thanks
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using rental income to pay dmp
Hi all, I have previously thought about selling up and going into renting to use equity to pay off debts. I would then need to spend x years saving up a new deposit. I now have another idea. I would still sell and go in to renting but instead of using equity to pay off debt i would use it to buy a 1 bed flat and rent it…
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Writing to Creditors
Good Afternoon Everyone! Just a quick question, I have had a quick scan on the forum but I can't seem to find the answer . Just wondering when you write to your creditors, do you write to the registered address or the address on the statement? I have been writing to both, and in some of the cases the debt collectors, and…
