-
Help with Capital One/Fredricksons
Hi first post so please be gentle.. I;m still finding my way around. Husband and I separated summer last year and kids and I ended up leaving the marital home and going into housing association house due to domestic violence. I only work part time term time only (in a school) and have a small income of £502 a month which…
-
Advice on what to pay off first please
Hi i have been debt ridden for atleast 5 years but im finally seeing some light, and i need to know which is best debt to clear first, and which to keep im getting £3500 in the next 3 days, and the debt that i have is: Barclayloan £800 remaining (£80 per month repayment) at 9% apr Vanquis Card £620 remaining at 54% apr,…
-
BT - Talktalk and CSL Debt Collectors = Daylight robbery
A brief summary of my situation... Last year I was a customer of talktalk, and was in a contract, then I started getting phonecalls from BT offering me a better package, cheaper etc (so i thought)... Eventually I relented and agreed to sign up with BT, I explained I was already in a contract with talktalk, they asked how…
-
light at the end of the tunnel
I have been a lurker for over a year now and after reading all your helpful advice I have pulled my head out of the sand and today I have set up a new bank account and have started proceedings to start a debt management plan with cccs. I feel there is a light at the end of the tunnel.:)
-
I'm at the end of my tether
This week I have been phoning HSBC as I wanted to go to an interest only mortgage for 6 months as I am out of work. (Day job) My husband works fulltime and I am self employed via Ebay but only on a small scale. I need a day job too and have applied for so many I've lost count. All we wanted was one of the mortgages which I…
-
Lost Welcome Finance Account
I've been slowly getting my act in gear about my debts and very bravely rang WF yesterday. I did have a loan with them I'm sure but I dont know where the paperwork is or any details. So they basically - cant find me...gave them my address, age, d.o.b., surname - nothing.... Could they have really lost the account??? The…
-
advice on secured loan
Hi there I had a secured loan of £55k with picture which has now transferred to webb resolutions , the thing is I am paying £489 per month & the balance is not going down , I think the term is 18 yrs & Ive had it for 6. I cant see any way out of this so any help would be much appreciated , I can just about afford the…
-
Whats the best way to advance with debt??
Hello everyone I'm looking for some advice on the best way forward on my partners debt. she had a ruff time and done some silly things in the past but the past 3 years she has not defaulted on a single payment on anything new she has taken out so I'm going to help her become debt free. she has a few out standing debts from…
-
mackenzie Hall / JBDR (?)
Hi, I've recently been contacted by a company who have told me Mackenzie Hall passed on my details, I was dealing with MH last year (2010) about a debt with quickquid, I sent MH a cca request, and asked for proof of the debt, MH sent me an email saying I owed £462, Nothing from quickquid, I then asked for original…
-
Equifax & Experian are confusing me...
I really hope that someone can shed some light on this for me. I recently viewed my credit report from both Experian and Equifax. I had 3 defaults in 2005 and have since been paying them off every month at a lower cost. Since 2005 my credit record is improving and I have no missed payments at all. Being that the accounts…
-
Debt passed to fredrickson international
Hi. I posted a while ago about a debt I have with simply be. I had been disputing it with them due to the obscene amount of charges applied to my account, I asked several times for a copy of my credit agreement where these charges had been agreed to by myself.... they cannot provide me with a copy of this. I never disputed…
-
DMP up & running - what now? I feel I should be doing/worrying about something!
Well our 1st DMP payment came out on the 1st March, I've sent all kinds of letters to our creditors, the post situation seems to have calmed down, my stress levels are slowly returning to normal - what now? I seem to have run on adrenalin recently and have kept going purely through feeling I was "doing" something to help…
-
Not debt free but the best board to answer Q
A couple of weeks ago I applied for a product with brighthouse in my own name. I checked my husbands emails a few days later to find an alert email off equifax to say he'd been credit checked by brighthouse which I thought was wrong. I rang my account store to query and they said they'd get back to me. The answer I got was…
-
OFT launches consultation on revised debt collection guidance
Link: http://www.oft.gov.uk/news-and-updates/press/2011/32-11 OFT launches consultation on revised debt collection guidance
-
Struggling to be debt free - few issues.....
Hi, I'm new here and this may be a long thread, but I'm desperately looking for advice and support in clearing my debts. My credit file is pants, due to going wayward when I was younger - they throw credit at you and it's WRONG in my opinion, but I was too inexperienced to know any better. Anyway, I'm now 30 and have…
-
Thursday 10th March - What small DFW 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…
-
catalog debt from 2007
Hiya all, thats just say i havent been well with money in the past.. In 2006 i got a littlewoods cat, i moved houses in 2007 and i just forgot about the littlewoods account! i no silly me.. Well my mam got a phone call from SRJ the other day for me. (i have never lived at my mams address alow i do have my car insurance…
-
Help To Find My Debts
Hi all i need to sort out my SOA but i'm learning new debts everyday. How would i get hold of a document that would tell me everything i owe???. I have little paperwork cause of divorce and burring my head up my **** or in the sand. Right now it is important i get ahold of all my affairs and confront cccs whom ive had huge…
-
Moving Abroad
I am going travelling soon and won't be returning to the UK for a few years. I have a UK bank account with an overdraft and a credit card. I should be able to access statements/make payments etc for these online. I live in a rented flat and don't want any mail coming here after I leave. I don't have anyone whose address I…
-
Getting rid of the overdraft
Hi there, I'm totally new to this, so sorry if I shouldn't have started a new thread or if this information has already available elsewhere. I have been out of Uni for 2 years now, and have started being charged for my overdraft. I have two accounts, one with £200 overdraft, and one with £300. Every month, my wage comes…
