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wife about to find out about my debt
I'm totally at my wits end over this, dont know what to do apart from run away from it all. I ran up massive debts while i was in a previous relationship, bank loans, credit cards, overdrafts. I contacted an iva company (always on the tv) they advised me to get a new bank account which i did, the IVA was agreed, but the…
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Aktiv Kapital and charge on house
Hi, i have had a torrid day with Aktiv Kapital. I have found that after my husband left a couple of years ago that i have found a debt that was relative to an old HSBC loan that was taken out, i dont remember my name being on it and to be honest i dont remember it at all. I emailed them to ask for confirmation of the debt,…
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Student in debt (non education related)
Hiya, I am in my first year at uni, before I even began uni I was in debt but now its spiralling out of control. I owe money on store cards, catalogues, and I now can't pay my phone bill. I have a bad credit history and I was wondering if there was anyone that would give me a credit card that I could transfer all my debts…
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RBS Overdraft Default - Attempted CCA & SAR
Hi there, I have been reading these forums for a while, on and off whilst trying to clear a debt I owe to RBS. A few years ago I took out a Graduate Royalties account with a year on year decreasing overdraft limit. I was a bit silly and didn't change my account address when I moved house. I had online banking and assumed I…
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help please
Heya everyone I posted off about £300 worth of postal orders to pay for my ppi fee back in october and I have just recieved a letter from them demanding payment for the fee but I sent payment in October and have lost the reciepts from my postal orders. Is there anyone know what I can do ? I cant afford to pay that again
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Mercers - Can they do this ?
I have been dealing with Mercers re my Barclaycard and have advised them on several occasions that I only wish to communicate in writing. So last month I wrote to them advising of how much I coudl afford to pay (£100pm) and have made payment. Today I recived a letter from them thanking me for my payment but advising that I…
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Just found out my debts
Hi everyone Have just signed up to credit expert to find out what debts I have after running away from them for 6 months. They aren't too excessive but still alot. I have roughly just over £2000. Best part of that to TSB. I now don't work and have 1 yr old twins. My partners wages pay the bills with nothing left over. We…
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CCA help and advice please
Hi, I have been reading loads about enforceable/ unenforceable CCA but am still not sure exactly what would happen to my debts if DCA unable to produce documents? I have been paying 3 debts on DMP via CCCS for over 5 years (small payments every month) £11,228 (personal unsecured loan) now with Aktiv Kapital £5,694 (credit…
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prepaid credit cards and credit builders
Hi Hoping someone can give me some advice on here. I have posted on the credit card page too but hope adding here too will get me some advice. I have a really bad credit rating at the moment with defaults and a ccj. I want to start making inroads to improving it so have got the cashplus card and have had it since last…
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equifax credit report can any one help!?
I have done my equifax credit report I took out two loans in 2004 Both went to debt managment companys that i pay each month and have done since 2006 Welcome Finance Loan went to HFO Inteligent Finance Loan went to CL Finance On my report both Welcome and inteligent were satisfied in 2005. HFO is on there saying loan with…
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Advice regarding phone debt
Before I start I would like to ask you not to judge me, I've seen alot of that here. Last year I had a contract with vodafone and right from the start I've had problems, first the phone they gave me was second hand! (box was open, had sim card inside already, no charger, no protective wrappers and phone was scratched) even…
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DMP advise
Recently got asked into my bank, Natwest. Very nice lady who tried to work out my finances. She could not help to refinance but did advise DMP, which surprised me. Just a couple of questions, 1, can I enter this on my own as my wife is dead against it and 2, should I get out of Natwest as I have 5k OD and 8.8k CC with…
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Need some advice on how to treat an overdraft that the bank are calling in.
Its not a huge one but more than enough to care about. Its about £500 and the bank have told me they are not renewing it. I have not paid into the account for a while and they have been adding there monthly charges and interest. In fairness I can afford to repay very little and they know this, i'd say I can afford nothing…
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Help with Bailiffs
Could someone please offer a bit of guidance with a problem with Council tax collection? I lost my job in the middle of January, i'm owed in the region of £3000 from my employer, we were expecting this 2 weeks ago but he has said that he is unable to pay it until he also receives a payment from a contract that is in…
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how long for JSA
guys i am just wondering i signed on to the JSA today and wanted to know if anyone knows how long the first payment takes? do i have to wait the full 2 weeks before i get anything? thanks
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NEARLY DEBT FREE need help to tie up loose ends please
Hi everyone After 9 years suffering in the whirlwind that is debt, i am finally near the end :j. I have managed to clear debts of £27,000 :mad: and this morning confirmed my stupid welcome finance loan is now paid .... in full £3480.33p AND they owe me money! (a rareity!):T:rotfl: I have been paying this for nearly 6 years…
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Personal loan advice
Hi guys my names Adam, im 26 and i work part time night shift standard contract earning £744 pm after tax and N.i. but most months i can get atleast 2 nights overtime which bumps my earings up to £1,000. I currently owe £6,000 on a 7 year loan, with 4 years 7 months left of £131 a month pay off. My monthly out goings are…
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Scared to send the letters...help
Hi Guys, I have the letters ready to post to my creditors, but i just cant send them :eek: I am terrified, the main reson being, previously when i have been late paying Santander, they phone me at work, and i am scared stiff they will start ringing me umpteen times, i work in a big open plan office and sit right next to my…
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RE: budget help!!!
Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 3,800.00 Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 0.00 State Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .…
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Problem with CC people
Hi, I have just come off the phone to MBNA, who have told me my reduced payment plan (£113 per mnth) is in arrears by 3 mnths, i pointed out to them that according to my bank statements for the last 2yrs, state that they are not, but i did miss Jan 11 payment, but believe that was because my DD was cancelled, not by me…
