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littlewoods
hi wonderin if any1 could help me..... i keep gettin late payment charges of £12 a month then a extra £12 payment from littlewoods direct for sending a letter.. this is all because they are wantin a payment before i get paid. ive contact them an they said all i can do is except the late payment charge n pay it when i get…
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does cancelling your overdraft cost/do anything negative?
If I close an overdraft before its contracted date, does it mess up my credit or anything like that, or will I get charged? This is with HSBC. I'd just like to get rid of it, I am in credit by the way and I can't find out any information about it what happens if I close it early. When I click to cancel it online, they…
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Hmmmm worse than I thought!!
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... Number of cars owned.................... 0 Monthly Income Details Monthly income after tax................ 1800 Partners monthly income after tax....... 0…
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Help me please, I'm so confused and worried!
Ok currently I owe around 43,000 to loans and credit cards and overdraft. I am living with a housemate at present and can just about afford the repayments, although it's a struggle! Circumstances have changed and I am having to leave my current place and move into a new property within the next couple of months. This will…
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Old Debt
Hi, I've been contacted by a debt collection agency asking me to pay £142 for an outstanding debt to O2 going back to Aug 2006. I have contacted O2 for proof of this and all they can send is a copy of my 'last bill' showing £142 - they can't send me anything to say I have or have not paid. Should should I do? Thanks!
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Why didnt they offer an IVA
Hi all, we have been in a dmp for a year & we are still struggling on it :( we had £38k now down to 34k. the dmp has been estimated at 10 more years :( we are paying £320 a month & i just cant face this for another 10 years :( Do we not qualify for an IVA? x
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Advice needed on added inerest to old debt
Hi, In 2001 I wanted to buy a new kitchen so took out a loan to pay for it. then I sold my house and knew that rough times were ahead tried to be sensible and clear large debts. I requested a settlement figure from my loan company-they wanted it in writing so I did that but never got a response. Although I chased I never…
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piggy back system, failure
hi just after some advice please. on paper we have enough money coming in to pay all bills,food, petrol etc however we were always finding ourselves scratting around trying to make ends meet. from 1st jan we have set ourselves a budget where money is put in one account when dh gets paid weekly to cover direct debits .…
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Scrapped a Hire Purchase vehicle.
A year ago I was looking to get a car loan and came across a broker who managed to get me a high APR deal, which i took (wish I didn't now). I found a vehicle, told the broker all about it and I signed some documents before being allowed to collect the car - at the time I assumed it was a loan, I was kind of rushed though…
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Santander say they can default you twice for the same debt ??
Need a bit of help, I have a Debt with Alliance and Leicester (An old current account), which I have been repaying as agreed with them for at least 10 years (It was for quite a lot), this debt was defaulted around 1999. Now that it has been taken over by Santander they will not accept the repayments that A&L did and have…
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Paying for DMP?
My husband contacted a company on Friday and they are sending us a pack to set up a DMP and said they will charge us £35 ish a month for the privilege - is this a normal fee? The debt is £7,000 to be paid over 3.5 years. Thanks
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Advice needed badly, please help!
Hi everyone, Around five or six years ago, when I was still a teenager, I bought some items from two catalogues. The total sum was around £100 on each catalogue. I then went to Uni and forgot about the debt, as I moved address. I know it's really bad, I know I never should have ignored it, but I was short on money as a…
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Help needed with DMP and Redundancy!!!
hi all - new to this so please bear with me. have been on my dmp for 1 year - all going well. have been with same employer for 14 years and face the high possibility of redundancy by the summer. i would appreciate some help with the following: 1. when do i alert cccs to the possibility of redundancy 2. when i receive…
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Grrrrr!!!! Lowells, Red & statute barred
More help please, At the same time as sorting my own debt problems out I have been helping a friend sort theirs. Over the past few years every now and again a letter would turn up from Lowells, Red, Bucanhan Clark and others about a very old debt (pre 2000) on each occasion my friend had phoned who ever was chasing the…
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Need help, Bailiff's just come knocking.
Hi all, don't know if I am posting in the right section, so please, if I am not could one of the 'mods' move it to a more suitable place for help? My OH was in a relationship a while ago, and on break up(Aug 2007) he gave the ex the money for the council tax on their shared house as he left. Unsurprisingly she did not pay…
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Hybrid Order on N24 - Cabot - Charging Order Granted :(
Hi all, Cabot went to court to chase me for approx £2000. They got a CCJ and it was set at £5/ month. Pretty much straight away I got a letter saying they were applying for redetermination and a Charging Order. I went to court in January (they didn't turn up) and the N24 says... 1. Judgement payable forthwith. 2.…
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Interest rates confuse me!
I know this has been done a lot already, and TBH I sort of had my head around AER and EAR and APR, but now Lloyds have changed their pricing, so I still have the 12.3% EAR but I have a £5 per month OD usage fee as well, so is that worse than my 15.9% credit card? A lot worse? What about if I overpay my CC by double the…
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Help!
Hi I have recently sent offers to my five creditors including a financial review and offers of payment. This was all dealt with in conjunction with the CAB, all offers have been accepted and payments set up. Today I received a letter from an unrelated debt agency (Allied International Credit) in relation to a Joint loan…
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Mr Lender
Good Afternoon, Not really sure if this is the right place to post? Please go easy if it isn't. I took a payday loan with Mr Lender last year and continued to rollover the loan. Unfortunately, due to a new job, the January payment bounced. After some haggling, I agreed to pay £100 to clear to loan on the 31st January. I…
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Does anyone have any advice about renting with an IVA?
I entered into an IVA about 18 months ago and am now looking to rent a property with my partner who has an excellent credit rating. Does anyone have any experience or advice on this? I have read so many different things from my boyfriend registering with the lettings agency as the tenant and myself as an occupant... to…
