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£7126 Barclaycard debt
Halp :eek: I am £7127 in barclaycard debt, I have spoken to them and asked if I was to get a loan what would my fee then be hoping that they would give me a cheaper amount but I have been told I will need to pay £7254 due to the interest rates. I am gettting to my wits end really getting annoyed about it I need to get rid…
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I just checked my bank balance!!
This may seem like a non event to most... but for someone like me with a total phobia of looking at my account (I'd rather pull my own toe nails off!!). It was fabulous as due to religiously filling in my spending diary, there were no nasty surprises! :j It was wonderful to see it in credit. I think I'll even finish this…
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Have Finally Taken The Frst Step.
Hi Folks, Have sent off my information to CCCS who estimate it will take approx 4 years to clear the debt, and as I am 79yrs it will be a race between the banks and the undertaker lol Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in…
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Default Query
I've read a few posts which state that a Default has to be issued within 6 months of the first missed payment - is this true? I started having problems making payments in August 2007 but my default wasn't issued until June 2008. Wondered if I could get them to change the date and then at least I 'only' have to wait until…
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alcoholic needs help
as my name says , am but dont want to be. just writing this before i get drunk (again ) and to all of you who think i am a waste of time , you are probably right. how do i beat this ? hidden it from my partner for too long and now risking our home and happiness for a single pint of lager i must be the biggest !!!!!! on…
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Experian £2 statutory postal credit report
Hi. I tried applying for the £2 statutory postal credit report from Experian, so......... I entered my card details, then name, address and how long I lived there then kaboom... Sorry there has been a problem Unfortunately your application for a credit report has not been accepted because there is a problem with the…
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Trying toreduce interest rate on CC
Hi My husband has an Arrangement to Pay on his Egg CC. Due to being conned out of a lot of money late 2009 by some cowboy builders (long story!!) he was struggling to make payments. Egg were very good and agreed to freeze interest on the card and accept reduced payments. He has kept to the arrangement but as we are now in…
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Need advice on how to get organised
I have a small, manageable amount of debt. My partner has a very large amount at £43,000. The majority of this (£25,000) is unsecured loans. Thankfully we are disassociated financially (I think?) as we have no joint account and we keep our own earnings/expenditures. He has never missed payments on anything, and we both…
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Debt Management Plans
If there's anybody out there thinking of taking up a DMP then my advice would be DO IT!! And now!! I got into debt (£27,000 worth) which included two loans and three credit cards. Sleepless nights, threatening calls, letters you name it, I got it, then I was advised to contact a debt management company. Somebody…
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Moral Question: If you have debts, should you spend money on luxuries?
Easy one for me at the moment - I literally don't have any money spare for them! I've read a lot of people who say that so long as you have debts, you should only spend on absolute essentials (no takeaways, new clothes, meals out, drinks, holidays etc) Just wondering what people here think? If you're considering buying…
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Do i own it? PLEASE HELP
Ok so a little off topic but hope you all can help. The situation is as follows, i own a small limited business. When we set up at the cost of 10-15k one of our staff paid for £2000 of items for the business. All invoices are in the business name but they paid. Nothing has been put in writing. Originally a repayment plan…
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Credit Reference Agency Searches
There may already be a thread on this but I couldn't seem to find one. How long exactly do searches stay on your credit file for nowadays? I have just been looking at my Experian credit report and there are searches that are well over twelve months old now. Surely they haven't upped the threshold to two years or something…
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Job offer subject to credit check?!
Afternoon all :-) Please help I'm having a right panic! I have posted this in the employment forum but cross posting here also as you lot have saved my life a couple of times! OMG Help! I've just accepted a fantastic new job with a major player in the financial market as a sales rep selling financial products ie chip and…
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Is this debt statute barred?
I wonder if anyone can give me some advice. In mid 2002 I entered a two separate non-secured credit agreements with First National Trinity Finance for some items. In late 2003 I developed serious health problems, and I had to give up work. I defaulted on a couple of monthly payments, but I wrote to them in Mar 2004 asking…
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Egg card / 0% card
I currently have an egg card which is NOT 0%. Now I know that the sensible thing to do is to apply for a 0% card and, if successful, shift the balance to that card. The thing is that my egg card is now a card where I just pay it off (it doesn't allow me to buy anything - not sure of the technical term). So, I feel afraid…
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Sell/Recycle old MP3 Player
Hi Can anyone recommend a site to use? Thanks
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Expert Advice Needed
Hi all, I hope I've posted this in the right place, sorry if not. Here's my current situation. Please advise. After being made redundant last june i have struggled to find work and therefore my loan and credit card repayments have suffered also. My loan with citi Financial has been passed to capquest who have accepted an…
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Cant shift my credit card
I took out a credit card a few years ago, and since then my job has changed, I now work part time as I am training to teach and not earing nearly as much. I have £950 left on it to clear but it just seems to be haunting me. My credit rating is not great, they say it is "fair" so I am struggling to find another card to…
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Should I keep the overdraft?
I used to have £1500 OD with Santander, this year I have managed to break it. I was doing so each month by whatever was spare and using online banking to reduce it accordingly. Thing is, you cannot reduce it online to zero, the minimum is £50. Which got me thinking, should I bin it completely (I no longer use it) or should…
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Debt Free in how long?!
I am 24, my new wife is 27 and our son is 2 and a half, and we are expecting a new arrival in July. We have several debts including a loan, credit cards and a (new) tax bill. She hasnt been earning for three years, as shes been looking after our son. Weve tried tightening the strings a bit, but theres just so much going…
