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Help again
The virgin card had a balance of £7637.07 February Statement which included £3450.00 Money Transfer and £138.00 money transfer fee and interest of £78.97 less minimum payment of £ 83.97 March plus interest of £ 120.24 New Balance £7673.34 March Statement Min Payment due £ 125.24 I'm a bit confused :( The APR on the card is…
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Newbie needs advice to get debt free!!!
Hi everyone I've been browsing this site for a while and have found the forums so useful - but I'm not very financially clued up and get confused very easily when it comes to anything to do with money, so I'm hoping you lovely people can help me come up with a plan to become debt free. My debts are not terribly out of…
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Debt implications?
I found out a little while ago that someone i know has taken two credit cards out in my name and they have defaulted. (roughly 500 pounds outstanding) ive aked for advice from here before but ive been told to report the person, they may have done wrong but they are a family member and i dont wish to do this. I have however…
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Well, I've finally done it! 100% Debt Free!
I've been on the DFW board since about September 2009, never really posted just looked and got inspiration from all the great advice on here. Since Sept 2009, I've managed to pay off £20,835 worth of debt and now I’m debt free at last! I used the snowball method on here, and kept at it and finally managed to do it. See my…
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Housing benefit causing problems.
Sorry guys, yet another issue I need help with. :embarasse From Sept last year untill Feb this year we were receiving far less housing benefit than we should have been. After several conversations with the benefits office they eventually said it was because we didn't tell them that my wife had stopped working. We argued…
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Arrow Global/Close Credit Management/Orange
Hi, I need some advice please .... I have recently been checking my credit file, with a view to tidying everything up. I found a default on there from Aroow global for £162 from February 2007. I wrote to Arrow Global nicely asking if for full payment they removed the Default as a good will gesture. I never received a…
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DMP - think I made a mistake
Hi all Three months ago my credit rating was excellent - 999 on experian. I owe about 60K, have about the same in equity in the house I own with my ex and earn about 80K a year net - although am self employed so its the old - I can service it when working but if not, I'm screwed. But I was sick to death of trying to pay…
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t mobile contract being chased by lowell
hi, wondering if anyone has advice about my partners debt. background.......she, rather foolishly i think, got a contract phone for her unreliable sister who suprise suprise ran up a huge bill and then stopped paying it. sister then told my missus she was paying small amount to collections dept and was working towards…
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full and final offers
hi there, newbie here! over last few weeks i have found out that my hubby has been robbing peter to pay paul for sometime (and keeping it from me as last few years i have struggled with postnatal depression and stress) and now we find ourselves with nothing left to rob from peter so the truth has come out, 45 -50k of…
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Reducing APR??
Sorry if this is the wrong place, (its my first post here!) but Im just having a look about this forum, looking for hints and tips to reduce my debt. So I saw a link about doing a SoA, and you need to know your APR rates. So I called Virgin, they told me my APR is 34.9% :eek: So I asked if he could reduce that, it was much…
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Help - quick question
Does anyone know if Halifax and HSBC are in anyway linked and can use the right to offset? Thanks
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roxburghe
hi all can anyone give me advice on this company i received a letter chasing a debt for vanquis bank for a credit card debt that i have no idea about at all. i sent them a letter asking them to prove the debt and charges etc and what information they had in regard to me they sent me a letter back saying i had to pay them…
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Time for Advice! My SOA!
Hello! So, Ive been a lurker for months and have added my two cents to others threads, but I think its about time I start asking for advice myself! Below is my SOA. Its says that I have a surplus of £334 - I have no idea where this goes, as by two weeks after payday Im on a £0 balance! Im going to start a spending diary…
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Some help with repeat post in Credit File.
I have just started to get a grip of a huge debt problem that I buried my head in the sand about a few years back. As part of this process I had signed up with Experian to get a copy of my Credit File. (found it amazing what counts and what doesnt). Anyway. I defaulted on a HBOS Preference Card Account at the start of…
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DMP Payment ratio help
Hi, i have to re-work on my payments to my creditors from my income surplus. Payplan had worked out for me but i have to re-gig one creditor, how is it worked out? Many thanks
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Link Financial, advice please!
Hi, I hope someone can help me... I have debts, some of which are defaults, which are up at the end of next year/beginning of 2013, except one, Link Financial. I got my credit report, and it states I went into default with them in 2008. All my debt problems happened late 2005, at the time I split with my partner, and was…
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Finally Debt Free
Hey everyone. A few weeks ago, I was fortunate enough to render myself Debt Free... I have one little question though. I've got a Credit Expert account, and it still hasn't been updated to reflect my current status, it's still showing my previous debt. Does anyone know when it would update? Regards
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credit cards
hi, just wondering if anyone can help, were trying to pay off loans and credit cards and are struggling but they all getting paid on time but we were wondering if managed to get the intrest frozen on the cards would it give us a bad credit rating? we dont want to go down the route of DMP or an IVA
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Unemployed and in debt!
Hi, this is my first post on here so I apologise if it's in the wrong section. Basically, I am in quite bit of debt and I am no longer working or earning money. I owe a payday loan company (minicredit.co.uk) £254.60, and they keep adding on further amounts. I am also around £220 over my bank overdraft limit, so that…
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Debt consolidation. Help please
Were having trouble keeping onto of our debt. Short story is: We have an joint income of 1,800 a month after tax from our work. We currently have 4 credit cards totalling £11,000 and a loan with £7,000 left remaining. Our monthly repayments on these cards work out at £568 a month. After paying out mortgage, council tax,…
