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Defaulting on Credit Cards
Hi I need some advice about defaulting on credit cards, last year defaulted on my Barlcay card as the interest was so high i was paying over £100 a month off 60% interest! They basically halted all interest, well minimal amount applied plus reduced payments, i managed to clear £3,000 worth of debt in a short space of time…
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Debt Collection Agency and Orange
My OH has received a letter today from a debt collection agency; all of his loans were paid off 3 years ago (on my demand) so we were stumped as to what it was for, he called them and the lady said Orange. We confirmed to her that the balance was paid over 3 years ago to which she went away to speak to her manager, came…
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id be very grateful for any advice on what to do
Hi Im not sure where to turn, im worried about doing the wrong thing. Should we keep trying to pay our debts off or consider an IVA. Its got to the point where I cant concentrate on anything but money and bills. We have a fair income but our outgoings are mounting. We have had our house valued as we considered going into…
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Default Removal Can it be done???
Hi all, Just needing some advice on what to do regarding the following.... A few years back i had a hfc loan which was in dispute due to charges and mis-sold ppi. They defaulted me and sent me to a dca, i told them the debt was in dispute and they just kept passing me on to dca after dca. Eventually i thought i had came to…
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Default removal
I am trying to sort out my credit file. Never to needed to apply for credit for last 4 years and recently checked credit file to see a default notice for a catalogue that i had at my old address. I am disputing this as the default occurred after i had left the property. If i pay the default in full can i get this removed…
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Experience of immediate financial?
Does anyone have experience with dmps or full and final settlement plans with these people? Thoughts and experiences?
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Urgent Help required please - Received Claim Form from Court
Hi there I am hoping that someone reallt kind out there will help me out by giving me some advice. To briefly sum it up:- Debt was with Citicard (approx £14,000) I stopped paying them about 2 years ago and tried to negotiate a smaller repayment, when they were difficult I did a CCA request and heard nothing for ages, the…
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Thinking of bankruptcy
Thinking of bankruptcy – is it all that bad Hi, recently I have been thinking of filing for bankruptcy. I have been struggling with debt since 2005 and now I can no longer keep up with the bills. I was unemployed since 2005 but decided to come off JSA and become self-employed in 2007, things were going good until last yr.…
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aol and debt collectors
Hope somebody can advise me on my next action I had an account with aol. When my 24 month contract was up I rang them to change to a basic account which would be 10.00 per month instad of 22.00. They said that was ok and everythig was set up. Go t m bank stateent 2 month later which showed they had still been taking out…
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SOA - Please help
We have both sat down and worked out that we cant afford to carry on as we are. I own the property, but most of the debts are owed to me for paying off my partners previous debts. The situation will not be getting any worse, as he is now in a position to start paying off balances. However, as you can see, its not looking…
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CCJ - Am I doing this the right way?
Hi, I Have my very first court claim from Mint, 7600 debt. I have 6 other creditors that I am making reduced payments to but no court action from them. I am currently selling my house and should be exchanging this week or next. I intend to make full and finals to all creditors EXCEPT Mint - as they have gone to court…
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How Long To Clear Student Loan?
Hi, I finish University this year and I'm in a fair bit of debt. I'm a little bit worried that I will forever live in the debt of being a student. I'll get around 22k a year once I find a job, so I'm wondering roughly how long am I looking at to be debt free? I know nobody can give definitive answers, but just some guess…
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sorry dont know where to post this but how to say no to people
I have a big problem saying no to people when it comes to money. If I am going on holiday people ask me to get them things that ends up costing me or to order for them online. I feel so awkward asking for the money or if they offer I say its ok. Recently I went on holidaypeople asked me to get them things like perfume etc…
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3 months to DFD - is this the hardest part?
Hi all Haven't posted here since early February - had managed 6 NSDs for February and was going along happily until I suddenly became a little bit poorly :eek:. However, I'm back fighting fit and after the end of this month, I have only 3 months to go until I'm debt free :j. My question is, is the last few months the…
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Help - Unsecured debt
At the moment I'm in a right mess and would appreciate any help that I can get :( I currenty have £27,500 unsecured debt. I havent really defaulted on my payments just the odd couple and can just about afford the minimum payments but the trouble is i'm just not clearing the debt. for example my hsbc card has 8,600 owing on…
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Red/Lowell - help please
Hi, I've had a couple of letters from Red out of the blue the last couple of weeks for an Abbey National (old current account) debt of £300. They are addressed to my maiden name. From memory, I had a CCJ for this debt around 9 years ago. The CCJ is not showing on my credit record anymore, I have not made a payment or…
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Outstanding balance paid already!
I have just checked my credit report (score 830) and there is an old account, which I got into trouble with but paid off in around 2006 which still says has a balance of £1200. It is with Lloyds TSB... What is the quickest way to get this rectified? Write to their collections centre? Call them? I paid it through a debt…
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Advice Requested: Letter from Albion
Hi, am wondering if anyone can help with some simple advice. I have written to my creditors offering token payments as I am currently unemployed. One of them, Halifax has been refusing to stop interest and charges. Their debt collector, Albion, now want me to call them to discuss this letter I sent. I am not at all keen to…
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liabilities if I die
Hi, Does anyone know if I die with all my debts (unsercured currently around 49K all on payment plans) will be children be liable for them, either before or after they are 18 ? Obviously the house would be sold to cover the mortgage but what about the other unsercured liabilities ? I am trying to find the money to take out…
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God it feels good!
I posted a while ago that we were hoping other halves bonus would be big enough to cover our council tax and rent arrears! Well thanks to starting the DMP too, (first payment made today) THAT YES YES YES! we are now clear of those horrid balances! they are now fully paid up for the end of the tax year. Will make Aprils…