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Orange // Moorcroft // Fredrickson International?
Just wondering if someone can offer some advice really! Yesterday I paid off a debt on full for an orange contract I took out in 2009. Paid it off in full yesterday online was only about £175 ish. I paid this directly to Fredrickson International who have been chasing me for this debt. I then get home from work, and…
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Ignore Letter?
Hey all, basically when i was 18 or 19 i had credit cards (didnt we all) and i ended up maximg them out, i also took out a a bank loan and didnt pay that off either. Now, i had multple letters to my moms house (where i used to live 4-5 years ago) but ignored the letters. I since moved in with my partner and had no contact…
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Soa
Hi everyone, I am new to the site and am amazed by all the helpful people on here, I have £13 K debt and have read about a tool on here called an SOA? I wonder if this may help me but dont seem to be able to find it? can anyone help? Thank you:)
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where is my money going!!!
hiya all, ive just finished working, and i will get income support from next week. I have just finished getting my 4 week run on from working tax creds. I sat down last night and worked out when i would get money and how much i will be getting monthy. Then i went on my internet banking and looked at all my direct debits…
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Officially Debt Free
Morning! I have made my full and final payments this morning! :D I am officially debt free! Feels like a ton weight has been lifted. Paid off £18k in 2.5 years. Woohoo!! Have a fab Friday everyone!! :beer:
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What will the judge say in court, if I have clearly try to negotiate the debt
Hi, Just want some advice from someone who has been summoned to court over debt. Now, I hate to admit it, but I am on JSA. No I am not a scumbag I hold an honours degree in engineering and had a well paid job for many years. Basically after rent, essential bills such as telefone, heating and electricity, I am left with £40…
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Debt Collection Help
Hi Guys, you are always the ones to talk to for help, so here I am again :beer: I have a few questions, 1st one. I had aquired car insurance on the 13th of November, I then bought a new car on the 24th November. At which point i called my current insurance about changing my insurance from the first car to the new one. The…
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Please help, I don't know what to do..
Hey guys, First post for me. My name's Sue amd I'm 25. I've cornered myself through no fault of my own and I'm absolutely stuck. A few months ago I was in a relatively well paid job and was paying all of my monthly payments comfortably. These included: rent, hire purchase car & insurance, career development loan…
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Court claim - help?!
Hello everyone, I am new here. Am dealing with my debts myself but am worried what I have done! I had a court form from Northampton - the amount claimed was wrong so I admitted part of the claim. I sent back N9A but not N9B. Now out of time. What can I do? Am worried as re read the claim pack and if part admit the clam…
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Friday 25th Feb - what small DFW things will you do 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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your lowest ebb
as there's not really a general subsection, i thought i'd post it here, just wondering what people lowest ebb in their financial life was, this came about after a discussion at work, your lowest and how you overcome it to where you are now, maybe it'll give hope to others in the same position......mine's as follows...…
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missing parcel, post office
recently i posted a parcel , which cost me £5.50 to mail, through post office, unfortunatelly the recipient did not get the parcel, and has claimed £220 back through paypal which now im in debt with paypal, i have been in touch with the post office and tried to claim it back but they insist on original proof of…
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Co Op Cashminder
If I just apply for a co-op cashminder, will it affect my credit score? I phoned up & they are sending me the forms to fill in, so I haven't got as far as applying in writing. I'm assuming it won't show up anywhere on my credit file till I do that (?) They did ask me over the phone for one of my other bank accounts (to…
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Sainsburys loan in default-advice needed please
Help!!! I could really scream.....am totally peed off and stressed... I have gone into default on my sainsburys loan (1 of 5 creditors) The debt was handed over to debt collectors months ago and I'm about to start on a DMP through the CCCS. Today i received a statement from sainsburys which shows that they are still…
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I Made Some Mistakes And Want To Move On
I have been reading through alot of these threads and have finally plucked up some (if only a little) courage to ask for some advice. Some years ago when I was 18 (am now 34) I ran up both a overdraft and credit card with Natwest, I many a time exceeded my overdraft but then brought it down to the limit of £200 credit card…
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Pay Day Loan question RE: sneaky dd's
I have just signed up to a DMP with Pay plan and am about to hit the first month end where my creditors don't get their regular payments ... four pay day loans!! I have cancelled all the direct debits and cancelled my debit card so that they cannot take monies but am obviously concerned they will still try. Wage day…
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Not enough money to go round
Hi all, I'm not sure if this is the right forum to post on, or where to start! I have a large amount of debt, mostly with Lloyds TSB, but also with littlewoods catalogue. My Lloyds debt is being paid off via Abacus but I haven't received a statement in a long time (I am going to write a letter requesting an up to date…
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Advice about debts turning up addressed to someone who passed away years ago
Hi apologies if this is in the wrong place I wasnt really sure where to put this. I need some advice, I recieved a letter about a week ago that was addressed to my nan, the problem that I had was that she passed away 6 years ago and i live in Southampton - she lived in London all her life in the same road since about the…
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Advice needed what to pay off
Hi, I have been struggling with my debt for a few years now and I have managed to get it down £10k from £30k to £20k via loan payments really. But i have recieved a good bonus from work. I would like to treat myself for my good work and my wife for her support but what should I pay off Credit card 1 £3200 18.9% Credit card…
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Clarity full and final
Hope someone can put me in the right direction. Had a full and final offer accepted on a debt with Clarity originally with Abbey bank (santander). £86.69 accepted on £185 debt. We decided to phone Abbey to ascertain what charges and where the debt has come from - they said account was closed and was nil. Is this because…
