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DMP to IVA? Is this possible?
Hi, I am in a significant amount of debt and after taking advice from a number of parties (CCCS, National Debtline, CAB and an IP), I am still finding if difficult to make a decision as to what option I should choose... I have the option of DMP, IVA or Bankruptcy but I still need help to make my final decision. Can I ask -…
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Deduction of earnings
Is there an upper limit of how much a council can take from a persons monthly pay? For instance if a person has already a £25 pcm attachment of earnings for a loan can the council take a further £120 pcm for unpaid CT? The person concerned earns £1087.55 before tax and NI deductions.
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A new bank account?
My bf currently banks with Halifax and always has done. When I met him he paid for his account and got monthly statements, Green Flag car cover etc and things he wasn't using. He changed to a basic account but now gets statements every 3 months, he is unable to access his online account because they keep telling him he…
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What Are My Rights
Hey, About 4 months ago I stepped into a Nationwide to change my cash card (Purple) because it didn't have 3 digits on the back which I needed for some online transactions. The lady was new, very kind in her approach and offered me a new Debit card (Blue) which I refused and she offered me an overdraft which I immediately…
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t-mobile advice
hi hoping for some wisdom..... i have 2 t mobile lines, and a very close family member was using one of the lines and giving me the money. very suddenly and tragically, this family member has just died. have spoken to t mobile and they have said there's nothing they can do. is there any way round this at all x
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Return of Goods Hearing
I am shortly to attend a return of goods hearing for an HP Agreement for the second time. Attached to the claimants POC was a notice of hearing. Firstly how is it that no allocation procedure as been followed upon receipt of my defence? Also the court informed me the hearing was allowed to take place before the time i had…
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Car Finance Payment - (Help greatly appreciated)! :(
Hi all, First off sorry if this is posted in the wrong forum. I am after advice & suggestions on settling my car loan payment as soon as possible. Took a loan for a car payment a few years ago. I called Bank of Scotland for a settlement figure last week and the remaining balance is £5165.00. I re-pay £333.78 per month so…
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new person trying to sort money out.
Hello, I am new to this forum but have read some of the articles on here before and it has been useful. I am looking to sort my money out so that I don't owe on my credit card and can get out of my overdraft. I only earn £300 a month so it is pretty hard to make ends meet and racked up my overdraft since finishing uni.…
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A slightly silly question
I have 30p and we get paid on Monday. We have enough food etc in. So the question is - do I 1) Save it towards the debt or 2) Buy something with it and if so, what? I know it's silly but I'm asking anyway :)
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Ive got a duplicate default, the same debt but from 2 companies, what can i do??
I have just printed off my credit report and i have 6 defaults. 2 of the defaults are from the same debt. The first was issued by Lloyds TSB on 21/4/08 for £1692 with a start date of 01/05/07. I then had another default for the same amount issued by Cabot Financial on 23/03/09 with a start date of 08/09/06. I dont…
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american express, CCJ's, cautions, help!
Guys, any advice would very much be appreciated, I am going crazy here. A quick explanation of the background: My mother and father married in 1973. They bought a house together in 1975. My father went into business, had some troubles, and this liquidated in the 80's. He also appeared to have gathered some personal debt…
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Defrauded £420 need 192.com to nail him
Hi Everyone, I am looking for some help. My wife has just been scammed for £420 (paid by CHAPS unfortunately) trying to buy Festival tickets for my teenage son and his friends. I have been able to track down the guy who has done this, to his home town and I even have the first part of his post code however 192.com want…
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T-Mobile Debt / Want to pay bill / No phone!
Hi, Hope you're all having a good weekend. I'm about to call T-Mobile, and hopefully try and come to an arrangement. Long story short; I stupidly sold my iPhone a month ago, which was / is under contract with T-Mobile. While the thought of this makes me feel a bit ill, I am where I am, and I'm going to try and sort this…
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Need someone to scream at me!!!
Can someone please scream at me??? tell me how im wasting my life on this stupid cycle of bad money management and make me realise it wont just go away on its own!!!!! I start with all the best intentions but then before i know it ive ruined it and not by expensive clothes shopping or going out - its all on pure…
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Sorting ourselves out - finally!
We're (wife and I) are getting ourselves organised to go onto a DMP - we're not in a bad place, but we need the space that a DMP will provide to get rid of the debt once and for all. I think it works out that we can cover around 65% of the normal payments, so that part is fine. To make our problem more complex, we have…
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Advice on my GF
Hi All, I am looking for some advise on my GF's situation. In the past she has taken out debts etc and not paid anything back so her credit rating is shot. I have lent her some money in the region of £600 and one of my family members has lent her over £1000 and am not seeing any of it being repaid. She has been out of work…
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dmp -at what point do you give up?
Hi, There are about 6 creditors who won't accept my DMP. I have written back with offer 2-3 times but get same standard reply. My questions is how long is it before you give up, and just keep on paying the offer amount.
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Should I get a loan?
I have recently signed up for a Experian free credit report as my aim is to get the best possible credit rating by means of a loan which my partner is happy to do with her squeaky clean credit rating. My credit report: score 562 CCJ - This rolls off this year with aprox £500 left to pay Car finance - £6300 left with 6 late…
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Default issued ! year after starting a DMP
Hi all, I haven't posted in a long time but I feel like I need to now. I started my DMP with CCCS this time last year and everything has been going pretty ok. Santander have been a nightmare to deal with and although I've asked them and CCCS have asked them to consider freezing interest on my debt they didn't acknowledge…
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CCJ - Am i untouchable?
Hi Guys, Still trying to obtain a loan in order to consolidate my debts (no ridiculous extra amounts required for things i don't need to do this time) I didn't realise the massive adverse affect having a CCJ can do to your credit report/ rating. A few years ago i was at university doing a 4 year course, the 3rd year of…
