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Leaving country - can I leave my debt?
I have an opportunity to work in USA but I need to know what happens with my debt if I go there to work. I have £15,000 debt, and all is with collectors, who in turn are paid by CCCS. If I leave the country, I have no intention on paying this while I am away as I will need every penny I get abroad. Can you pleae advise…
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Rossendales & Virgin Media
I've heard alot about Rossendales on here and have to admit they are persistant. I was contacted by Rossendales afew months ago, regarding Virgin Media (I left them) I had already set up a payment plan with VM, then suddenly recieved these letters from Rossendales. I called them straight away, explained my situation and…
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Newbie
hiya guys, I love this forum/site as it really helps and has some gold advice. Heres my debt story, and please dont think im taking the pee as Im really not. Im a student with a £1400 overdraft, I have two credit cards-one student at £500 and a normal one at £250. so alot of debt! I know its not as much as some, but to me…
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Being made Rendundant and No PPI on Loan
Hi guys/girls, First post so be gentle please lol. I will be made redundant as of the 31st of this month, although I will be paid at the end of September so I think my redundancy officially starts from the 31st of September. I have a few outgoings but the largest is my loan which is £265 a month. I have no PPI on the loan…
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quick question re natwest, DDs and online bank transfer
Hi, I have a very quick question... my bank balance was £3.15 yesterday but I had £36 in another natwest account and all are accessible by online banking. I have just had a quick look today and i didn't realise that 2 DDs were due from the account with £3.15 today and if they go through it would be £26o/d, but its a step…
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Tuesday 23rd August 2011 What small DFW things will you do today????
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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Scottish Trust Deed firms?
Hi Guys, Looking at going for a Trust Deed. Just wondering if anyone one here could recommend a safe company as I'm not sure how legitimate a lot of these websites really are!! Thanks!!
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Guidance needed
Hi everybody, new to this forum and need a bit of help on what to do first. Myself and my wife have combined debts of £22215.21 These are split over the following; Loan 1 - £8117.56 Loan 2 - £5957.65 Credit Card - £2700 Store Card - £500 several overdrafts - £4940 Total monthly income is £1650.82 after tax (my wife is…
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Graduate account changing to current account but im still £2000 overdrawn - help !
I got a letter the other day saying that because it has been 3 years since i graduated, my graduate account will be changing to a 'select account' (current account) at the end of september, which only has a £100 overdraft facility. But I am still £2000 overdrawn ! I also have a tesco 15 month interest free credit card with…
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Which debt to tackle first...
I've just landed myself a fairly decent job, 3 month contract on a TV show, which is quite long for my particular job. I'm going to have a regular wage coming in! I'm about to move house, so in my SOA I've put the most I'm prepared to pay for rent and bills combined. I need a plan to pay off some of my debt in this 3…
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Were RBS in the wrong to take me to court?
Going to try and keep this short. I have a debt with RBS going back around 12 years or so. Original debt was for £12.5k but I now owe £30k because of interest and PPI. I was sent a CCJ in 2007 to order me to pay £5 a month which I have kept to. However, in 2006 when they were contacting me I wrote them a letter asking for…
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What will happen with this debt??
Thread Stats I have posted this on the ebay thread but there is more "traffic" on here so to speak. (This started last week) Just received an email from paypal (after my 2nd phone conversation with them where they told me it did appear to be a glitch and they would marl it as urgent that a manager would deal with the…
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Old Debt Help
Hi all, I'm hoping for some decent advice here. I've recently had a letter come through from HFO Services saying that I owe them about £1,300 for a Barclaycard account. I did have the Barclaycard account with a limit of £500 at university and forgot all about it. I don't dispute that I owe some money, however, I do…
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Im messed up my DMP
I was advised to go bankrupt but since i was at uni i was allowed a dmp. Ive been on it for a few yrs now and this year ive missed 3 payments but made 2 of them up. The thing is im sooooo ashamed of myself as I didnt tell the cccs that I had a very account as i thought if i had i would have no option but to go bankrupt and…
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DMP and keeping on top of things?
I'm starting to feel that my DMP has a very odd idea of what a financial emergency is! I have one remaining debt with them (£830) but my partner has several still ongoing. We have an elderly car (1996) so I'm permitted £20 a month for "emergencies" and £40 a month for car repairs, MOT, servicing, etc. Sods law seems to…
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Dro / ccj
Hello all, anyone help me with this: In the process of gaining a DRO via payplan and should be complete within another 2-3 weeks but today received a hand delivered latter from a local court advising they have important documents for me which I assume is a summons for one of my outstanding debts. - a payday loan. They say…
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Global Debt Recovery
Hi Guys, I know there's lots of stuff on here about this company because i've read most of it :) Im just hoping that someone could give me some advice about what my next step should be. I've had letters from this company the latest one states "We are instructed that the above account remains unpaid despite many reminders.…
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Help please!?
I have posted this on the ebay thread but there is more "traffic" on here so to speak. (This started last week) Just received an email from paypal (after my 2nd phone conversation with them where they told me it did appear to be a glitch and they would marl it as urgent that a manager would deal with the issue) "The…
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Bank Charges - Rebate?
Am currently in a DMP with Payplan. Whilst I realise a refund of bank charges is out of the question for most due to the High Court ruling I understand that for those in financial difficulty it's not off the cards. I'm sure I have an awful alot of charges from when I was with Santander (I now have a Coop Cashminder due to…
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I'm First-Time Tenant With a Stupid Year Behind Me...
...and it has caught up with vengeance. In the last 2 days I received a notice from the HMRC about overpaid Working Tax Credits & was shown a letter from a debt recovery agency about an overdraft I have with my long abandoned bank account (the letter was delivered to an old address). The debt put together means I owe…
