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Looking to sort life out
I am currently struggling with debt at the minute and need to get it sorted, so i have decided (rather belatedly) to make a start. I've looked around the site and have listened to others in the forums but i think it wil be easier to just explain my situation. I have several creditors, all are old debts which i have avoided…
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College Fees Liability
Hi Im not sure if this is the right place to post this query. Basically, I applied to return to studies in September 2009. I was offered a place at a College University after the clearing pool selection process, a week after the actual course date started. They offered me the Part Time Saturday Option 2009 - 2011. I was…
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No contact from creditors! Advice please
Hi there I have been in a DMP for 1 year now, and having become a fully fledged member of this site this week I have been reading around. Several members have said that they get statements from their creditors showing the balance outstanding. I have perhaps been a little naive and thinking because I was on a DMP it was all…
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full and final settlement
Just finished doing 3 full and final settlement letters from the national debtline. These are to RBS, Barclayvard and Egg. The NDL says I should send a table showing how I did the calculations, along with each letter. Question is: Do I list all 3 creditcard co's on the table? so the other's can see what I owe, and too…
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Late Payment in Last 12 Months
Hi, I have a loan account which has recorded 1 late payment against it 9 months ago and it is due to be settled in 4 months' time. I have recently come into a bit of extra cash and could settle it now but I am not sure if this is the best thing to do... If I let the loan run its course and I settle in 4 months' time then…
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!!!!!! advise pls
Just finished doing 3 full and final settlement letters from the national debtline. These are to RBS, Barclayvard and Egg. The NDL says I should send a table showing how I did the calculations, along with each letter. Question is: Do I list all 3 creditcard co's on the table? so the other's can see what I owe, and too…
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Anyone got a little help & support going spare.
Hi All I've been self managing my DMP since July last year - long story OH had heart attack, couldn't work for 6 months didn't get paid etc things soon got out of control, anyway OH now back at work but in Jan 2011 changed jobs and had to reduce hours for health reasons, I've now submitted a revised SOA to all creditors as…
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When can/must defaults be added?
Hi, I am in the fortunate position of having completed my IVA and the vast majority of my credit file being cleared (after the 6 year point) at the end of this month. However, there are one or two entries which show a default date long after what they should be. I know that a default date cannot be added after the…
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trying to get a mortgage/few historic credit problems.
me and my husband are looking to apply for an agreement in principle next week with abbey, we have 10% deposit for the house we are interested in. My husbands credit score on experian/credit expert is excellent(960). mine however is satisfactory (863) because 1. i have a default for £156 (satisfied) with next from August…
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trying to get a mortgage/few historic credit problems.
me and my husband are looking to apply for an agreement in principle next week with abbey, we have 10% deposit for the house we are interested in. My husbands credit score on experian/credit expert is excellent(960). mine however is satisfactory (863) because 1. i have a default for £156 (satisfied) with next from August…
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Anyone Moved From CCCS to Self Managed DMP ?
Hi all, Sorry if this is in the wrong place but I'm new to this. I'm currently under a DMP with CCCS and have been since Feb 2010. Haven't had any real problems with them except they made a late payment last month which resulted in one of my creditors reinstating interest (I managed to get this removed but was still…
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capitalone/capquest
hi everyone. i am paying capital one token payments, i keep geting letters from capquest saying that i have to pay them,they have sent me there bank details after requesting them, so am able to pay them. My question is do i have to pay capquest as they have not brought the debt or do i carry on paying capital one. (just…
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One card at a time - with thanks to you all
I have been lurking for a couple of weeks and this weekend particularly I have seen some fantastic success stories which have motivated me to sort out my own debts. For my adult life I've always been in debt, and apart from the odd sleepless night / crisis moment this has been manageable. Well by manageable I mean I have…
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Overdraft
Hi everyone - hope all is well Does anyone know what the banks charge when they freeze your overdraft, as my review by Lloyds is due mid April and I still owe £2800. I don't think they will extend it as I have moved banks to start my epic journey of getting debt free. claypath
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Advice to give my friend re: Connought Collections
Hi folks. Im wondering if someone could give me some advice I can give to my friend. Last night we got onto the topic of debts (we are TRYING to get a mortgage at the mo) and she told me she'd had trouble in the past etc. She then told me that a couple of years ago a company called Connought Collections contacted her…
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2 and a half years in and I am finally under 20k!
I just logged into my CCCS account and realised my debt has dropped below £20k! I have never looked back since joining here and the CCCS in December 2008 and I can't want for my debt free day. I live within my means and cringe every time I hear about my friends getting into the same situation. I can honestly say although…
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Settled Debt Advice
Just after some advice please if anyway can give me some, although I am sure you will as you are all amazing on here. I was in debt ever since I was 18 years old ( thanks Lloyds TSB ) at the age of 34 I had my LBM and started on a DMP with Payplan ( brilliant by the way ) January I was in a positon to do settlements with…
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Help please !!!
Newbie here, been getting newsletter for a while but new to forum, reading around everyone seems lovely and helpful so here I am looking for advice and encouragement. Becoming sick with worry over my financial situation recently. I am in full time employment but been off sick since Sept after having a breakdown as a result…
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Need help
hi need some serious help, we in serious debt cant afford to pay mortgage, car repayments, credit cards, bank loan, catalogues, we have no savings what so ever im not so bothered about the non priority debts but im now scared we will lose the house and the car company are not helpful at all they dont care, they wont help…
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RE : Advice - debt settlement
hi - I am looking for advice for my mum. She has £47k of debt which she is paying a small amount towards each month. We have the opportunity to look at settling this debt as we are in the process of selling my nans house (who passed away three years ago) and the proceeds are for my mum but held in trust between my mum,…
