-
Just received court claim?
Hi, Just received a court claim for my Mint credit card. I've been doing token payments since last summer. Is that a CCJ or only a CCJ once they have passed sentence? What are my options? Can I still make a payment plan with Mint and avoid court? Thanks for your help.
-
Credit Rating been butchered?
Hi all. Im after some advice as to how to stop dodgy loan companies (Fresh Start Finance/Super Financial Solutions etc etc) from calling me and emailing me every few days. Have of course added the phone numbers and email addresses to reject/junk lists but is there any way to get them to officially remove you from any…
-
Admin fee from catalogue?
I have a catalogue from JD Williams, while I know most things can be a rip of they do have some fairly decent half price offers occasionally which I buy and pay of on credit however while I never miss a payment I notice every month £12 admin fee, I phoned up to enquire and was told that was the price of credit:mad: Can…
-
DMP or DIY?
Hi all, Im currently with Chiltern Debt Management, been with them for 3 months now, Was with Baines and Ernst for 2 years but far far from happy with their services, big bullies rather than helping folk plus my debt didnt really seem to go down in that 2 years! Chiltern seem ok but thats what I thought of Baines and Ernst…
-
support?
hi a while back you guys on here were very supportive to me. i was just wondering if you would mind being again. im paying as many of my creditors who have accepted token payments and im hoping if i ever get my name off the property deeds of flat, i shared with ex husband doing a dro. its been a struggle the last few…
-
Equity Release.
An acquaintance is struggling with debt. He is past retirement age but still working when he can find any. He owns his own house and is married. People, probably well-meaning, are pushing him in the direction of Equity Release, whatever that might be! What are forum members views on this?
-
Bank switch dilemma.
Hi all, I am currently with Lloyds TSB and have an overdraft of 1k (which I almost always get up to), a credit card, and a loan with. I've also totalled up the number of charges I've had in the past 6 years - it works out to be £1830, and although I am struggling financially, I don't think I have a strong enough case for…
-
Will recent spending on the cards go against me?
O.K... so I've known for a while that I cant go on with my credit card payments...they cost me over £400 a month as it is...so knowing that I cant really continue paying I've done a bit of spending on the cards recently...I've filled up the freezer, put a few bits away for Christmas etc... Now I'm wondering if this will go…
-
Starting again, again! Need a little bit of help though..
Hi everyone! Have been around the boards for a few months now. Had my lightbulb moment a couple of months back and contacted the CCCS. They helped me with my budgeting etc and I started of sending my letters to my creditors, unfortunately NONE of them accepted my offers of repayment and I continued to pay what I thought…
-
the money shop
Hi, After a bit of advice really - a friend is considering a payday loan from the money shop. The stuff I've seen on line is a bit of a mixed bag. Any views? Thanks Mm
-
reclaim car insurance payments
Hi folks, This is my very first post so i hope i make it clear and concise. 2006, i wrote of my mothers car in an accident. I was a driver with no licence, no insurance and did not have permission to drive the car. I was prosecuted for Dangerous Driving, driving otherwise in accordance and no insurance. I was not…
-
CCJ Problems - What are my options.
Hi, I've managed to get myself in a big mess and now have a CCJ for my troubles. It started when i moved into property "A". I payed all my utility bills as they came through the door, but South West Water (SWW) never contacted or welcomed me, as a customer. I lived there for approx 8 months and then moved to property "B"…
-
In a pickle.. what should i do next (urgent)
Hi, Thanks in advance for anyone who takes the time to read this. I have been on a debt management plan with CCCS and my now ex-wife for the past 6 years and since the split we have carried on making 1 joint payment from her account and all has been smooth, however the problem now arises... I want to split everything so…
-
Can't make ends meet and debt will only grow
Hi all, Am new to posting but have dipped in and out reading for some time. Currently my debt stands at £4359.71. Ashamed to say £660 I owe to my kids' bank accounts. I gave up my job last September as my boss was making life totally intolerable. Since then I haven't been able to find work. Approximately 1/3 of my…
-
Triton - help needed from those that have arrangements with them
Hi, due to a daft mistake, my overdraft and loan debt with RBS is being defaulted and passed to Triton. The loan is currently up to date and the overdraft is over it's limit The total debt is around £17k Could anyone that currently/or has previous has an arrangement with Triton let me know what sort of figures you are…
-
Letter to creditors/Head in the sand syndrome.
Hi all, I found this site a few weeks back and found some letters which were suitable to send to creditors who are chasing me and my partner. I am unable to find these letters again, but I know I saw them on here. I was convinced that I had saved the templates to my hard-drive......clearly I didn't. Could somebody possibly…
-
Cougar Financial and Capital One - DEBT PASSED TO a dca urgent help please
have am a regular on the dmp thread which is useful to anybody however i am really worried as my capitalone debt has been passed to cougar solutions, they have rang me ten times today i have returned the call tried to explain i was on a self managed dmp and they were very aggressive and told me topay the whole balance now…
-
help-what to pay off first? overpayments!!
Hi This is probably a really silly question but i'm gonna ask anyway. Is it best to overpay off your debts (loans and credit cards) first or your overpay on your mortgage? We have a few loans and credit cards which have a higher rate of interest on them than our mortgage so do we overpay them or do we overpay on the…
-
Worried!
Hello, i'm new to the forum. :) Just after a bit of advice and guidance. My wife has been studying to be a nurse and qualified in November of last year and now has a job. However, during the last 3 years of her studying we've had to live on Credit Cards (to live and feed our 3 kids etc) and coupled with some stupid…
-
Mackenzie Hall help please
I have just received a second text message from an 0844 number asking me to call Andrew at Mackenzie Hall urgently, with a reference number. I did used to have bad debts and defaults, but I paid the last one off about 2 years ago. I recently noticed on my credit file that one of them was not marked as paid although after…
