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Advice on cc & od repayment options
Hi all Just looking for some advice, i have been paying off my debt for a couple of years now and all i have left to pay off is £600 on my cc (vanquis card @ around 48% apr) and my £750 od with the halifax(£750 limit with £1 daily charges). I am able to pay money each week off both of these and technically should be able…
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Buchanan,Clark and Wells
Hello Just trying to put mind at rest,we started a DMP with CCCS 2 months ago,over £20,000.00 debt with 5 companies most of which have been understanding,one company in particular - Post Office(Bank of Ireland) are being what i feel very unhelpful considering we are trying to deal with our problem.Yesterday we received a…
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Credit cards vs loan
Good morning fellow DFWs, I'd be extremely grateful for any advice you can give me. As you can see from my signature, I've got just over £8k worth of debt on my 3 credit cards. Egg is 0% until December and Halifax is 0% until September which has been helping a lot. I pay more than the minimum on every card each month,…
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3 missed Credit Card Payments - Default?
I have 3 missed payments in a row on my credit card. I received a letter from the credit card company on 16th February withdrawing my credit facility, telling me to cut up my card, and informing me that continued non-payment will result in termination of the agreement and registration of a default at the credit reference…
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What do I do with Debt collection agency
Hi, I have started to recieve several letters from Lowell company with regards to several debts I got years ago. I was advised on here to send out a letter stating Statute barred I now have a reply saying they still have a legal right to recover the debt as I made a last payment on 18th May 2005. What do I do now?? I am…
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Mackenzie Hall/Aktiv Kapital
Good morning all. I have recently recived a letter from Mackenzie Hall dept recovery. The letter says that they are acting on behalf of Aktiv Kapital. They say that they have been instucted by their client to recover an overdue account on their behalf. The amount that they are looking to recover is £797. I have no idea…
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Summary Judgement - What Next???
Hi all, my OH was issued with a Summary Judgement yesterday for a personal guarantee to a bank. He has been given 28 days to repay the amount. We do not have the money as I was made BR last year due to another personal guarantee and wondered if you lovely people out there knew what is likely to happen next? Should he…
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CCCS advice please
Hi, Im due to make my first payment to cccs at the begining of April (£282) and had the money ready for this but one of my listed creditors CAPITAL FINANCE ONE took £347.50 from my account yesterday so I wont be able to make payment to CCCS. Do you think they will allow me to start my DMP in May. I will call them on Monday…
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Sat 26th/Sun 27th March - What small 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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Incorrect address on credit report?
I moved address in October 2009. I informed the tax office, my employer, all banks I use etc. But I forgot to remove myself from the electoral roll in the area I used to live in. Now my credit report (well, Experian - I've never looked at any others) shows my address as the previous address, and me being on the electoral…
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Finally got the courage.....
......to look at my credit report on Experian, thought it was about time I had to look to see how bad it had got, and now I'm a little confused. I got into rough times after the break up of my marriage,and started trying to sort my debt just over a year ago, I was unable to start an official debt management plan with CCCS…
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Electoral Roll Grey Area.
Good evening, I'm a Norwegian national, born there, hold a Norwegian passport, the full works. However, I have been resident in England since I was 3 (17 years ago), so I am pretty Anglicised. Since joining MSE recently I have noticed more and more references to the need to be a registered voter in order to obtain decent…
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Deals with the people you owe?????
I am in a considerable amount of debt! aprox 60K due to a mortgage short fall and a secured loan. These debts were joint and my ex has made her self bankrupt and that means i have 3 options:- 1) IVA pay for 5 years then debt free. as much as i can afford. 2) Bankruptcy pay for 3 years as i do have cash left over each week.…
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Santander want to default me twice for the same debt !
I really need some help. I had a current account with A&L which was defaulted 11 years ago, I had a payment plan set up with A&L which I stuck to and they were happy with, now Santander have taken over and they wont accept a plan and want full repayment, and have today sent me a Default notice !. I am panicking as I did…
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Debt Default
I have just checked my credit file and have noticed that i have a default since 2006. If a default letter was sent out i did not recieve it as i was living and working abroad from 2005 to 2010. Can i have the default removed?
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Snowball has finally started rollling...
Accomplishments today... 1) Natwest [STRIKE]£2250[/STRIKE] 0! 2) Vanquis [STRIKE]£525[/STRIKE] 0! 3) Littlewoods [STRIKE]£1800[/STRIKE] 0! and already... 4) Capital One [STRIKE]£200[/STRIKE] 0! 5) Egg Loan [STRIKE]£3171[/STRIKE] 0! 6) Egg Card [STRIKE]£1142[/STRIKE]0! Next...I'm after Dorothy Perkins Card and Littlewoods…
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Debt Free Today!
The title says it all really........ Its been a long time coming, very happy :j Jinx :D
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Advice please :(
Hi. Not really debt free related but Im a regular in this forum and has helped me through my DMP. Basically yesterday morning I went to a barclays cash machine (my bank is the cooperative bank) and checked my balance..it said £263...so I went to withdraw £250...the screen then shows a message along the lines of...we're…
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What % to offer for Full and Final payments
Hi, We are thinking of offering a full and final payment by borrowing money from a relative. We stopped paying when the debt was about 9000, not sure what it is now as it has been transferred to a DCA but we're wondering how much other people offer in order to start the ball rolling. Thanks
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help with mums debts & advice about house
My mum owes alot of money on a credit card & large overdraft , both the debts are with Lloyds , lloyds have allowed her to pay a reduced amount every month , her and dad only get a pension and are paying more than half there pension to help reduce the debt . The fact is they will never pay the amount they owe off even if…
