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Greetings....
Hello, Im new to this forum but not new to debt unfortunately. Ive been spending the last few months trying to pay off my debts but its going so slowly and I feel like Im going round in circles :( My SOA is as follows: Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after…
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May work lunches challenge
Hi all, I feel a bit of a fraud starting the thread, as these days i actually no longer need to bring my lunches in as Ive started a new job which provides them! However, the work lunches thread was such a good one it would be good to start it again. I look forward to seeing everyones lovely lunches as the month goes on -…
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Barclaycard
Hi, been 'lurking' around for some time but never posted before. I could use some advice if possible?? I am paying off a Barclaycard debt and I decided to check my credit report in the last month as we were turned down for a new current account which I thought really odd. When I looked there was a default on my report from…
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understanding defaults?
I cant understand my credit report. i have a default for a credit card from back in 2005,due to come off credit file this year. my question is,why have i not got any other defaults on there,my loan which was passed to a DCA for a much larger amount has never ended up in default!
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What was your 1st challenge?
:wave: For someone who only had their LBM last month Im finding all the threads, posts, advice and tools just brilliant and inspiring - thank you. There are so many challenges to choose from I just dont know where to start, so I was wondering which was the 1st challenge you started with OR which one do you find works best…
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Arrears Notices
Regarding the arrears notices that a creditor is supposed to send you every 6 months. What happens if those notices are inaccurate. Does the same apply to them as a default notice in that they become invalid? Thanks
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Fed up, plodding on, is this the best way?
OK, I need some advice about what people think is the best option, is it better to stay plodding on paying unsecured debts off at rates of 17.9% with just over minimum payments for years or to let it slip into a DMP and pay back with the interest frozen but with then a bad credit rating? I seem to be stuck between the…
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Moving with an IVA
I have a transferable mortgage and need to move house due to a new job. We have a secured loan on the property and are in IVA. We would like to move to a property of similar value, what are the chances of the bank agreeing?
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Please help distressed-middle-aged-lady with old (unknown) business debt….
I seem to get myself into some scrapes! I hope someone can offer some advice because I’m really stuck and struggling not to cry right now. I started a small online business with a mate 5 years ago (we were 50/50 partners) – it never took off and closed after a year or 2. It left me in a lot of debt (which I’ve nearly…
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*wave*
Hi all, I've been lurking round these forums for a bit, and taking some advice and getting all excited that I'm "sorting things" then fall off the wagon. I'm not *massively* in debt, but I'd rather not be in debt at all if you see what I mean. I have a low income, but I'm back living with parents after travelling, have no…
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Mbna -co-op query
Hi just in need of some advice please .i am in the process of setting up a dmp with cccs and im just getting all my paperwork together ,ive opened a basic account with co-op and was all ready to go ...now looking through my statements i see co-op bank is the bank on my mbna statement is mbna owed by coop ? im really…
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Halifax and Robinson Way
I'm getting haranged by Robinson Way, after I'd set up a payment plan of £1 a month with Halifax for credit card debt (they agreed that I could pay £1 until I started a job when I would be able to pay more; I've paid £10 the last two months. Robinson Way have called me pretty much every day around noontime, I've refused to…
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2 debt collection agencies chasing the same debt
I recently received a letter from Wescot in regards to an unpaid loan for Lloyds bank. I wrote back to them offering to pay monthly payments which they accepted and I have been paying for 2 months. Then I get a letter from Robinson Way Limited who are supposedly working on behalf of Lloyds bank asking for payment! The…
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1 Year Book No Spend Challenge... Any Takers?
Everyone has weaknesses, one of my biggest is books! I love the way they feel in your hand, the way they smell, the way they take you to other worlds/ to different situations. I might go so far as to say i'd choose a book over chocolate every time!!!:eek: So I'm on a mission, from the 1st of May 2011 to the 1st of May…
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What on earth is going on ... ?
I'm hoping someone can explain this to me. I have about £4000 of debt on a credit card and an overdraft. I'm working my way out of it and I have never missed a payment on the credit card or gone out of my overdraft. On 3 April I went to find out my credit score from Experian. It was in the high "good" category. One of the…
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DLA and debt recovery companies
We have been given conflicting advice DebtLine say as DLA is NOT a benefit but an award and is not means tested - we do not have to include it for calculations when being asked for your "income" on an income and expenditure form. CAB say the opposite Which is correct?
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Sat 30th April/Sun 1st May - What small DFW things will you be doing this weekend?!
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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dont know where to turn
hi all, could really do with some advice/support. ihave posted before and basically have roughly £12000 debt. im hoping to do a dro when my divorce is done but iam now very worried that because my ex is having the very small equity my dro will fail :( national debtline told me last yr that because i live on income support…
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Snowball Calculator Shock
Part of the problem with being in debt is the feeling that the road is never ending, that no matter how much you struggle to get back on top of it, there's still no silver lining. Around half an hour ago that was me!!!! I was reading through some of the threads on MSE and saw someone mention a snowball calculator.…
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What happens next
I am in the process of setting up a DMP with CCCS. If when CCCS write to my creditors with an offer of payment and if the creditors do not accept, do the creditors start hounding me again, and do they start CCJ's Thanks in advance for any replies claypath
