-
had some bad luck, cant pay bills
hi guys, not sure if in right place but basically here is the gen. just found out late last night that my OH and his company have been taken for alot of money.....3 companies have gone bust owing him alot of money. I work alongside him too, so basically we've got very little money due this month. Mortgage and secured loan…
-
Companies after a DMP
I have a CC and a catalogue that will be going onto my DMP, will these get automatically closed down or do I have to do it myself?
-
Debt Arrangement Scheme Scotland - Share experiences?
Hi I am hoping to be approved on a joint DAS with my husband. We have decent incomes but around £59k unsecured debts. We have an appointment with an advisor (free) next week Can anyone who is on one of these share their experiences? Would be good to know what it's like in reality and that we are not alone! Thanks
-
Unsettled Default - Confused, can anyone advise?
I have currently signed up to Credit Expert have a new credit score and report... Before I signed up to Credit Expert, experian sent me a £2 credit report about 6 months ago. My confusion is that this record did not appear on it and now it is on my credit expert. I am upset as I spent years paying back hundreds of pounds…
-
N61 to be served
Quick question: I to have received a letter in the post forwarded from my old address today that a County court Bailiff is to call and serve a N61. Now what is a N61 that I am going to be served? The debt they are chasing for is probably credit card debt or my car finance debt. I was divorced and I have lost everything ,…
-
Should I pay off overdraft of credit card first?
Hi guys, I may have a couple of thousand coming my way next month and I am going to pay it towards paying off my debts. I have a credit card and an overdraft (both around 16% interest each month) and I dont know which one to pay it towards and any advice would be appreciated. I have tried to transfer my credit card to a 0%…
-
Gesture payments to creditors while on DMP
Hello I have just started my DMP with CCCS first payment goes on 1st September. I sent the standard letter out saying that I am entering the DMP and that they can communicate with CCCS. However, now I have read on here that lots of people sent token gesture payments with these letters. I did no because I have no money. I…
-
Trying to get her Debt Free - Advice needed
Hi Guys, Long time browser on this site, but after lots of thinking, I have decided to join up and ask for advice. Basically my girlfriend has built up a massive debt over different credit cards, and store cards, and now seems to have got her self in a difficult hole to get out of. She has 2 credit cards Nationwide £5539…
-
Do letters for final payment from people who don't live with u effect ur credit?
Over the last 7 years I've had about 1 letter a month or so sent to my address to people who have never ever lived there. (I know this as the previous resident lived in my address for 30 years) Most of them are financial based, all from different places, and are often demanding final payment of debts or notification of…
-
Getting intouch with Creditors...
I sent them all an email yesterday, I sent it to both them and myself at the same time. Noone has gotten in contact with me, should I send one again. It was an offer for a token payment and requesting their bank/payment details. I just don't really know what to write a second time around though, I'm rather useless at…
-
Good Old PDL Companies
Morning All, Bit of advice needed please. I'm in a mess with payday loans and have been following the great advice from this site trying to sort this out. I managed to get a new bank account set up and my wages paid into this account so all of my loans have now gone into default. The calls and emails have now started…
-
Advice pls re F&F settlements
Hi all, I hope someone can help with this please. I am finally in a position to offer F&F settlements to all my creditors (not for the full amount, but around 70-80% of my debt), due to my recent house sale. I have spoken to them all and agreed good settlements with most. I'm not too interested in driving the settlement…
-
Does this sound dodgy?
Hi guys, I really need a 2nd opinion please ....:o I've an add on Gumtree - the asking price is £100 (so a fairly substantial item) and would really help with the finances at the minute! I had a reply from a guy saying he'd take it and I asked him to phone to arrange collection etc. In response, I got this .... "Thanks for…
-
HELP PLEASE - How to stop interest with Sygma/ Creation Finance
Hiya I have been on a DMP with CCCS since September 2009. (Total debts still £15000) however I am only just getting my head out from been buried under the sand if you know what I mean! My interest with HFC and Natwest has stopped been charged but Sygma/Creation are a nightmare. i was late doing my annual review and have…
-
Sat 6th & SUN 7th Aug 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. :money: But once we have done the bigger stuff, we often feel that we are not making the same amount of…
-
Do your credit histories get transfered abroad?
I will eventually... in the next few years be getting married to my fiance and moving to Florida to live with him. I'm hoping by this time to be basically debt free but I will still have a bad history. Will that affect my rating in Ameirca or do I just start a fresh.. I know it will still be here in the UK but if I ever…
-
mobile phone app for tracking spend
I have found this site http://www.spendometer.co.uk/ which has an app which you can use if you have a wap phone. I'm just waiting to download it. Use to track spending on your phone. Sounds a good idea. also this site seems good. www.creditaction.org.uk
-
Good news on my DMP
Hi Just wanted to provide an update on my DMP. Its been going for 4 months now and all creditors have accepted the reduced payments...even Barclaycard. Everything has gone so smoothly I;m amazed. I kept all creditors in the loop from the outset and didn't have one nasty phone call from any of them. Payplan have been…
-
My life is a total mess
This is probably going to be quite long so I am sorry about that but it is the only way I will be able to fully explain my situation. Here goes: Back in 2002 my husbands ex wife was found guilty of severe neglect of my husbands son (who was 1 year old), it had been a long and stressful process involving the courts and…
-
feeling sorry for myself.
hello all guess i'm just having a down day, but i need cheering up! I just feel like i am making no headway at all with debts. I am in a DMP with payplan, but seem to be getting in a bigger mess all the time with bank charges etc. I have now made sure all my bills can be paid online or by paypoint so i dont have to watch…
