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Fraud - How do I tell them they have the wrong person?
Hi, It seems that someone has opened at least 2 mobile phone accounts with 3 Mobile using my name; I have just received a letter from a debt collector asking me to pay up. I have checked my status with CreditExpert and there is no mention of debt or credit check for these mobile phone accounts. Can someone please advise me…
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PAYPLAN or DIY
What is best to do - i've read lots and lots and lots of threads on here tonight, just trying to gather help from other peoples posts, seems lots of people use Payplan, not so many do it themselves, it is easier/better to let Payplan do the work or is it better to go it alone ? - i've registered with Payplan and awaiting…
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advice pleeeese
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... 1 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1000 Partners monthly income after tax....... 0…
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My bad history, help please
Ok this is my history turned 18 in early 2004 and thats when it all started wasnt on a hi wage so to keep up with all my friends i used to use credit cards flexi loans overdrafts etc.....i think you get the picture by september 2006 my debt was that bad (25k) i took out an iva i continued to pay my iva for around 3 and a…
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NOt been this low before
so today, after a good few months after I got a default from Orange my dad accidentally opened one of my letters from a DCA because our initials are very simular but looked the same to him because of his eyesight. I don't know what to say, he sent me a text telling me exactly that. I just don't feel comfortable anymore,…
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Statement of Affairs
Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 2,102.67 Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 280.00 State Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .…
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deano's spending
Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 320.00 Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 0.00 State Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .…
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Cccs to self admin advice please
Hi I've been on a dmp with cccs for over a year now and dispite a few hiccups with things not being sent out it's been going ok, but I feel I would like to take more control as I think this would help us with our finances in the future as we have always just ignored things and hoped they would go away and by getting cccs…
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DEBT MANAGEMENT - FEE or FREE
Both are both a load of rubbish! You can do both yourself! The company's that charge a fee DO work on your behalf and DO take the stress away...but they are only doing something YOU can do. So called 'free' companies work alongside the very people you owe to! Yes they dont charge you but they do get money from the Interest…
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IVA Failure HELP
Hi, My IVA has failed because I now have to pay mintenance to my estranged (soon ex) wife.:( DFD have told me to stop paying contributions as it is no longer viable. They also asked me to make a cash offer (borrowed from family member) that they could take to creditors for a possible settlement (also because I have had no…
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Sample Letter to Ask Creditor to Accept Monthly Payment
Previous posted and had some great replies, I want to write to each of my creditors and ask them to accept a monthly payment I can afford, is there a standard letter that I should use, i'll send them a schedule of income/outgoings with it (is there a standard one of these too) ? thanks. I feel so much stronger about my…
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Not sure if this is right..
Hi, this is my second post, my first was on the thread for the Mental Health and Debt booklet. Long story but in a nutshell have been suffering with severe agitated depression for the past couple of years, been having counselling and medication for the past 12 months, got myself into a lot of credit card debt over the past…
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Thought I had a plan...
Im getting made redundant this year so reviewed my finances :- Overdraft £2500 £31/month CC 1 £4000 £100/month CC 2 £3500 100/month Cutting back everywhere, reduced Virgin package, better deal on gas etc & thought I would blitz the cc's. Paid a bit extra this month as no council tax, but problem is my overdraft is being…
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Help!....I am about to be found out
Hi guys, I am new to this forum but hope some new ideas will help me out. I am totally devastated. I have accumulated debt after debt for the last 5 years. Initially everything went well. I invested a part of it in financial speculation markets (spread betting) and every single market moved against me. I was so possessed…
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Pushed just too hard
I got home tonight to find a letter from my Virgin CC, its owned by MBNA and they are changing the way that they charge the minimum payment. The minimum will increase by £70 a month from April 1st (and no its not an April fool!). I have over £40k of debt that by careful planning is slowly coming down, but this will push it…
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Is there a time limit for debt?
I have had large credit card debts with several banks for about 5 years. I managed to negotiate a payment plan with some of them which I am still paying. Some of them never agreed to the plan ( had no income and could only offer £1 per month) but I have continued to pay the sum. I no longer receive letters from them after…
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Pay more on overpayments through spending overdraft?
Hello there, Am hoping for a bit of advice. My other half and I have incurred a housing benefit overpayment from when I was a student. Long story to do with grants, student loans and OH being self employed with unpredictable income. Anyway long story short we owe 1200 in housing benefit and 300 on council tax. Have sorted…
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SCM Solicitors... Lloyds TSB
Hi all! Hubby has an O/D with Lloyds TSB on an account he no longer uses, he pays £35 a month off this and has done for some months now! Today I listened to our voicemails and we had a message from yesterday evening from SCM Solicitors regarding a buisness matter and requesting my hubby contact them asap. I have googled…
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blackhorse unhelpful
please help! we took out finance on a caravan in 2005 with black horse- we was ok paying the monthly fee until I suffered a breakdown the following year and stopped work.To start with we sold the caravan and cleared some debts to give us a breather. After a while we couldn't afford to keep up repayments so we contacted…
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Self administered DMP help!!
Hi everyone! I am a relative newbie on this site but I have been lurking around the DFW boards for quite some time now! I love reading everybodies journies on their diaries and the advice given on here has been invaluable to me. I'll give you some quick info about me, if you are interested at all! I have recently started…
