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How do I prioritise repayments?
Hi, I have finally called all my creditors and arranged to pay them direct as the debt management company I have been with since 2007 had increased their fees to 40% of my monthly payment! What I would like to know is...I know have current figures of my outstanding debt and have worked out each of my creditors as a…
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Advice Please - DMP then Not and Now Maybe?!
Hi, I have used this forum before and found it to be really helpful and I was wondering if I could get some more help please. Last year my debts totalled £39,000. I had 12 creditors and spoke to the CCCS and was part of a debt management plan which was paying my creditors £221 a month. I hoped that would be the beginning…
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Just closed my Cap 1 a/c and it feels good
Hi! I have just paid off and now closed my accounts for: Cap 1- credit limit £3400, 34.08% Halifax - credit limit £2750, 20.95% It feels good. Got 3.5k to go and I will be so happy. They can both stuff their outrageous APRs
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Need Advice First
Hello, I need some advice on my debt. I am currently in debt to about £22000. I've come a long way - a few years ago I was at around £60k on loans and credit cards. LOTS of overtime and redundancy helped me out with a large proportion of that but some still remains, now without overtime in my current job I'm struggling.…
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Debt collection
In 2006 i had a disagreement with three mobile Refused to pay bill ect (stupid in hindsight) forgot about it upto now and have had a letter demanding £539.15p the original outstanding ballance was £159 even with inflation this is only £178 i know the debt collection agency has to make sure profit but £380 seems a tad…
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Time to pay documents
We have been issued with a Charge for Payment for monies owed. I understand we can apply to the court for a time to pay settlemend. Can someone please tell me how I would go about this and where I would find the documents etc. Thank you Shezam
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Harassed over a debt thats not mine
I rec'd a letter weeks ago from a debt collection agency for a £139 bill to British Gas. I contacted them and told them I dont have gas in my flat and they replied and said it was for a previous address. Ive NEVER had gas in any place Ive lived and told them this. They then replied and said I was to provide them with my…
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CCA (Lowell and Capital One)
I can't find exactly the information I want by searching through the forums, so apologies if I am asking questions answered elsewhere. I defaulted on a credit card with Capital One. I didn't keep up monthly payments. The debt was sold to Lowell. I asked Lowell for a copy of the CCA. They sent letter saying Capital One was…
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So annoyed with myself. Again. Need advice..
Hi, I was called up end of last week by clearview finance who said they could help me. Told me i was in financial hardship and they accepted me onto their plan for 177 a month. first two payments were going to be for 212. then the third month 177.45 until the end of the agreement - (for however long that would be for…
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Mercers nightmare advice needed please?
Hi, Im doing a DMP on my own with advice from CCCS. All my creditors have accepted £1.00 per month apart from Barclaycard who have passed the debt on to Mercers, this really suprised me as Barclaycard are the creditor I owe least to. Despite them not accepting my offer I am still paying £1.00 per month into the account…
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Equifax Credit Report Showing Reed for DMP Payments
Hi there...am new to the forum, so please forgive me if I'm repeating other people's questions! I have just signed up to Equifax to get my free credit report and was concerned to see that two of my accounts were in red, when I had expected them to be green. These are both credit cards which I included in a Debt Management…
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Equifax Credit Report Showing Reed for DMP Payments
Hi there...am new to the forum, so please forgive me if I'm repeating other people's questions! I have just signed up to Equifax to get my free credit report and was concerned to see that two of my accounts were in red, when I had expected them to be green. These are both credit cards which I included in a Debt Management…
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Mackenzie Hall - 11 Year Old debt
Hi, Im new here so please go easy on me. First off I received a letter from the above approx. 6 weeks ago (in the usual manner everyone else here seems to get) please contact us with an urgent matter etc etc. I ignored it as I had no clue of any debt with and thought you can contact with more info if you want my attention.…
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General Debt Questions, DMPs etc
I had around 40k of debt after I split from my wife just over 2 years ago, most of it marital debt but in my name so technically all mine! Initially I could manage as most of it was 0% credit cards, but combined with paying rent on a place of my own, still paying the mortgage and maintenance I began to struggle. The straw…
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Fed up of being in debt !
Hi there, I think it is the first time I have posted here but have never sat down and done an SOA so I have done it today. It looks like I have £300 surplus each month but this is NEVER the case and I think I need to write a diary of where I spend money each day. Here is my SOA : I forgot to put that I have a 2100…
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AIC now have my debt.
I have just received a message on my landline to call AIC urgently. I have never dealt with this company and know all my debts are up to date as they have been managed by Payplan for the last few years. Decided to give them a call to find out what it was all about to be told that my Natwest overdraft which I have been…
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Help please
Council tax arrears 2009/2010 My Partner & I have had about £300 oustanding in Council Tax Arrears from 2009/2010. At the time we just never paid it, and it got past on to AA Hutton. Now last year I set up a payment plan with AA Hutton for £40 per month. I paid for 3 months, then lost my job and didn't tell them. Didn't…
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settlements
Hi all, hope you can offer some advice or clarify something, 5 years ago i went into a debt management plan and started to pay off my creditors, last year in june i settled all of them in full. Now on my credit report i have two entries from nat west that were in default but as i settled them last june they say settled, i…
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Paying back Rockwell/ Tessear Loan
HI I have a loan with Rockwell that Tessera financial services receive direct debit payments from me for. Today I rang up to get a balance and was told that under my 6 month i Pay £110 per month and then in May when the agreement ends I have to pay the final balance of 3145.55, I told the lady on the phone that there is no…
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Full and final settlement acceptance
Hi Sent some letters off last week,have recieved 1 reply back so far accepting our offer. These are last 2 paragraphs of letter, do they seem fine to you and straight forward. We confirm our clients are prepared to accept partial payment of £....... in fulland final settlement of the above debt providing payment is…
