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I will get there - No matter what!!
Hi, I have been lurking around the forum for a couple of weeks now and have found the advice and tips given to others so helpful and interesting. So I have decided to post my story. Please indulge me as this 1st one is a tad long. So last year, after being with my XH since I was 14 (22 years in total) and being married for…
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Temporary Payment Arrangement
Hi All, Can someone help me with this I contacted CCCS regarding my debt problem and their answer was to do a temporary payment arrangment with my creditors. The reason for this I think is because I have job interviews next week and could get offered a position and then be able to meet my commitments after time. For my…
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Oh Yes Oh Yes Oh Yes!!!
Some good news for a Monday, finally paid off the outstanding amount owed on my loan. ITS FINALLY GONE! Re-paying it early has saved me over £1500 in interest with no early repayment penalties. Been a long old slog getting rid of other loans, credit cards, overdrafts but I now only owe my student loans then that's it. Debt…
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1st Locate UK Ltd
HI All I have today done an Equifax report to go with my Experian one that I am paying monthly for, basically to see if all is OK. Nothing I wasnt expecting on there although more detail in my opinion. Anyway in the linked address section on Equifax there is an entry for 17th January 2011 on a property I sold in October…
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urgent help needed
i have a ccj with tower capital, i arranged to pay £25 a month with them, i missed jan but they have now taken £170 from my bank leaving me with nothing for the month, I am unable to even get to work. Do I have any rights? I am pregnant and could lose my job if i cant get to work. Plus i now have no money for hospital…
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Advice please
Hello I need to pay the minium repayments on my loan and credit card for a few months. Can you please tell me the best way to do this without incuring high charges. I have done this in the past with them - due to ill health - but they are not always easy to communicate with Regards P.S - sorry if this thread is in the…
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Monday 7th 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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Equita bailiffs coming back today!! Can anyone help!!
Please can someone HELP!! I apologise in advance for rambling on but I think it’s better to start at the beginning to help you understand my situation fully! I am in need of some advice as I have equita bailiffs on my case threatening to remove my goods from my home because of an unpaid PCN. The contravention as they call…
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Letters of Debt Agencies....
Hi Everyone, A little help please. I have been receiving letters over debts i have and basically ignored them due to low income and these type of companies not wanting to reason with you (moorcrofts, fredrick dickinson, etc) I am now in a better position were i am going to call them and offer a payment to them. My question…
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DMP Alone - Some Advice Please
Hi I'm wondering if some of you lovely people could advise me on the best way forward. Basically I have about £25K of debt. This is spread across the following. These figures are approximate. Cahoot £9500 (dealt with by Apex) Barclays £3100 Egg £5000 Halifax Visa £5500 (with Fredrickson) GE Capital £500 (Lewis Group) GE…
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Default questions - partial settlements
Hi, a few questions regarding defaults and payments if anyone out there can help? (sorry for the long post and varied range of questions, any help / guidance very greatly appreciated) 1. A default was registered and the creditor accepted a partial payment as full and final settlement for the account and the default was…
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How do you help someone who's head is buried in the sand?
I know that someone close to me is savagely in debt, and is continuing to live beyond their means by a fair margin. However they seem to be completely oblivious to the severity of the situation. How do you tastefully bring the subject to the fore and get them to get help without alienating them?
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Quick advice needed
If a compnay have issued a final responce to a complaint and after that has been issued new evidence comes to light are they obligied to reinvestigate?
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Provident theft
Hi guys, Looking for advice on where to go with these loan sharks, not sure if i posted in correct forum but hope admin will move my thread if not correct forum. Right in jan 2010 me and my partner became Customers of these sharks, we got rather friendly with the agent (big mistake) In march 2010 we were issued a further…
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Any advice on fraudulent loans
Hi, Just wondered if anyone has got any advice on a situation I have. In Feb 2004 my then wife took out a loan for £25000 with HFC bank in my name. I was totally unaware of this at the time as my wife signed all the documents in my name. Money was paid into our joint account but again I was unaware of this as my then wife…
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Help understanding a credit report
I got the £2 job from Experian. I'm guessing that if something is showing as "settled" then its not active and in effect its closed and I could apply to them again - i.e. for example a credit card.
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Personal Cheque Cashing??
Please can someone explain how personal cheque cashing works with pawn brokers? I feel stupid asking the question but cant seem to find an answer anywhere.
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Paying off creditors - getting the best deal
Hi All, I was hoping someone would point me in the direction of some information I can't seem to find using the search function. I'm sure it must be here somewhere but I don't know what terms I should be searching for. Long story short..... I had £12k debit - mainly to high street bank loans, overdrafts that went toxic and…
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I will post my SOA but...
...I just wanted to say hi and dip my toe in the water before I do, as I'm scared of knowing the ugly truth, because then I'll have to tell my husband & I feel sick. I need a good hour uninterrupted to go through it all, which may take a couple if days but I HAVE to face up to this now. It's not so bad that we can't make…
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My SOA
Anyone got any ideas? I know my soa is incomplete but will fill in missing details later. I rent the House I live in but have 5 buy to let flats which are all in negative equity, although only just and the the rents cover the mortgage payments. I have not missed any payments yet but will have to soon as i have no savings…
