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10k Debt to lloyds tsb
Hello I'm after some advice. A friend of mine (its really a friend its not me ) currently owes around 10grand to Lloyds tsb in the following form Overdraft £900 Loan £1600 Credit card £7400 she is struggling to pay them monthly payments and is considering a debt management company There are so many does any one recommend…
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Just can't cope any more
Hi All, I don't want flaming and I know I only have myself to blame but I've just had my light bulb moment, I'm in debt and I'm not able to cope any longer, I'm living in my overdraft every month and thats just so I can make monthly payments. There are other things going on in my live as well my mother does not work as she…
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(Newbie) Consolidation - good idea?
Hi everyone (First, sorry for the epic post!) I've lurked around and read some really interesting and good advice from these forums. I'm recently feeling more and more overwhelmed with the pressures of debt and wanted to see if any of you have advice for me? I'm now 29, and got into debt when I bought a car in 2001 -…
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debt and more debt
I am in debt to about 35000 estimated however that does not include to HMRC i have 3 years where i have not filled out a self assesment form and i also do not have all my receipts which i know is entirely my fault,however i know i will need an accountant to go through all the paperwork but how do i afford an accountant…
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Satisfied default???
This is a first time post and I'm sorry if this seems a very silly question but here goes...I have a satisfied default showing on my credit file, does 'satisfied' mean that I don't owe any more money on it? Thanks in advance for any help.
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Pay Debt v Savings or both???
Hi all, Pleased to report that now the wedding and honeymoon are over i've already managed to reduce my debts by £2k, so 'just' another approx £11k to go but i'm hoping to have all paid off in a year with working 2 jobs :) . i'm currently paying approx £800-£1000/month off my credit card debt (total £9k), however a friend…
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Making £500
I have a friend im trying to help get out of £500 debt. Can anyone please help suggest any ways i can help her? I was thinking completing questionaires online? (she isnt able to work extra or save so im going down the online route) Please help! Much appreciated
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important things that some folk cant afford
due to been in debt i suffered from depression, i still do. i went to my doctor who prescribed me anti depressants. i work and at that time i didnt qualify for a tax exemption card so had to pay for my medication.after a time on the sick i couldnt afford my tablets, i told my doctor this but got no advice of what to do or…
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Credit Card company are putting their interest rates up...already skint!!!
So came home to a letter from Santander yesterday, they're putting the interest up on my Asda credit card. :mad: from 17.8% to 22.7%!! I already owe over 3k on this card and have been concentrating on paying it off and haven't spent on it in over a year....I know people mention you can refuse the increase. (Which they…
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Wed 2nd 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…
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Please Advice and help needed
hi Im a noobie in this website , gone through some of the post very helpful, so i thought i can get some help in sorting my situation im also trying to start a small ebay biz , hope it also works out my situation is like this Loans :- 33,000 Cards :- 4500,4500,2000,1600,350 mortgage :- 1100 bills :- 300 childcare :600 (out…
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CCA request 12+2 been and gone... what next?
Hi All, I sent a CCA request letter to my creditors 14 working days ago. Some have replied saying that they are still looking for the CCA's. I know I need to send another letter but reading all of the posts on here saying that the law's changed has totally confused me and I don't know what I should be sending them next?…
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welcome finace - Lewis group
hiya, so here goes, had a car with welcome finance on HP, lost my job and ended up in £600 areeras, spoke to welcome finance and they said that i could hand the car and have nothing else to pay as id paid more then half off, (unfortunatley i did not get this in writing) heres the problem, they keep asking for £4000 off me…
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Debt Management Plan Dissapointment
Hi guys-my first time on here. Last October my partner and I entered into a DMP I nievely assumed all my problems would dissapear.Despite me being happy with the company im working with I had no idea what my creditors would be like. I have recently received a letter from a solicitor indicating they are going to get a…
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How do I get an item removed from credit report
Hi Everybody, advice needed My partner has a "poor" credit report Basically, following a breakdown of her marriage over 7 yrs ago, she got lumbered with a debt (now at 54k) by her ex, who promptly declared bankrupt and got away scott free! We have been advised that under the statute of limitations they can no longer chase…
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What to do now help please ????
Ok I will try to make this short, I had a query with my debts and wanted some statements so CCA'd all my creditors. All complied except CCS who sent me a scrappy piece of paper saying they didnt have it, and didnt have facility to get it. I put the account in dispute until i had the relevent paperwork. They asked me to CCA…
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Are Experto Credite watching me?
time..............
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Help- Old Marston Debt
Hi all, after a few years- my dfd is in sight- definitely within 2011= fantastic. However- I have one loose end that I can't seem to clear up.I had an old payday loan in 2009 which was passed to Marstons when I defaulted. I made two payments and then stopped(combination of reasons really- forgot/no money/couldn't pay via…
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Bailiffs and Self-managed DMPs
Hi all, I hope you can help. I've had some issues with a DMP provider not paying my creditors. I had no idea this was happening till I received a letter dated 14th Feb from my creditor telling me contact them in 10 days or a "collection agent" would be round. I moved house and the letter was re-directed from my old…
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The Credit Card Company???
Hi Just a quickie Had 3 missed calls today from this company. when I tried to call them after work they were closed so will try tomorrow. Do any of you know if they are they affilliated to anyone? I have cards with Halifax, RBS, M&S, and Barclays and have an arrangement to pay a very reduced amount to each of them. I am…
