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Any advice gratefully received
Not sure how long I can go on like this. Statement of Affairs and Personal Balance Sheet[/b] Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 1,000.00 Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 0.00 State Pension . . . . . . . . . .…
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DLC Collections/CCA? Advice needed...
Hi Lovely People, I will try and keep this short I have posted about it a long time ago but it does not seem to die :( 2009 post: https://forums.moneysavingexpert.com/discussion/1692261 Owed Lloyds Bank money on a very old load, paid for a while but thought I would request a CCA back in June 2009. (Still have copies and…
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Looking for some advice
one of my neighbours is a seller on ebay he has managed to run up £250 in seller fees,unfortunatly he is currently in jail and his mum is sorting out his finances. She wants to repay this on his behalf,not sure if she has the total amount to pay it in full. she has a letter from a company called iqor requesting the amount…
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How much do you save / spend a month / pay off debt?
This has been done before but it was back in 2006 so I thought with an update in today 2011's expectations. Let me start first. I save about £1000 pm
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Which is better DMP company: Eurodebt or CCCS
Hi, I have over 45,000 outstanding on 8 credit cards. I have never missed a payment till today. But due to circumstances, I am looking at going into a DMP. I wanted some reliable advice that which would be the best debt management company to deal with. I heard that Eurodebt & CCCS are the two of the biggest and reliable…
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Attempt at SOA
See previous post. Sorry not really a computer bod.
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Lowell Demanding 3 Thousand from Me, help!
Hi, I just received a letter from Lowell asking me for £3374.. I was shocked as I don't understand where it came from.. they said it was from a Lloyds TSB credit card in September 2007 (my date of birth is 17/10/1988) that they just brought. I have never had a credit card, certainly not for that sort of amount! have a…
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Can't balance the books HELP!
Can anybody direct me to any help for this problem. We have a reasonable amount of money coming in,we are not big spenders at all,thankfully we don't have huge debts but try as I might I can't get out of O/D. I feel like I need Alvin Hall or somebody to physically sit beside me and help me. This is very long standing and…
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write off
i need a little help last year my husband lost his job and was taken ill after an heart attack and we were left with a lot of debt.the citizens advice sorted all my creditors for me and i am now paying token payments to all of them except one which the cab said they were going for a write off because i did not sign an…
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NDR Money advice please
Hi all I am doing this for a friend who does not have access to the net and I have searched the forums and read most of the NDR threads, but dont see any answers to help with my query. What is the best way to deal with this company when :- They make regular payments they can afford only to be told its not enough and incur…
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Bank overdrafts...can they help
Hi I posted a few days and was very very thankful for your advice. I was wondering. I have a 3k overdraft in which im about 2.5k into it :-( but have another bank account elsewhere that is never overdrawn as nothing much goes in/out of it but it is a current account. If I transfer my wages/credits and dd outings to that…
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More than desperate
Can anyone please help me and tell me what action I should take. Earlier in the year I lost my job and could not meet my financial commitments (except my mortgage which I have always found a way to pay). My credit card provider went to court and placed a second charge on my property (£11,000) which I was informed would be…
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Help & support needed - an admission.
I'm 28 and since as long as I can remember if I had money, I spent money. Amost to a compulsive level, so much so a couple of months ago I even asked Councillors for help. But I didn't follow through with the appointment - I thought I've beaten far worse things on my own and I'm going to beat my spending habits, hopefully…
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debts
I have had debts in the past, what with divorce etc i have ignored them, last year i lost my job and was heading further down the spiral luckily i got a job abroad, and after a year have paid all my debts off but i have collected black marks against my name, what is best way to clear them from my name Thanks jim
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A bit of help guidance please!
Hi guys, I really need help but I just don't know where to start.. Basically, I have debts which are just getting ridiculous. I have about £2500 overall, about £550 on a lloyds credit card, £550 on a Vanquis card. £250 on a Capital one card. (Cougar Financial have started hounding me for that.) & on top of that, I have 5…
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debt collectors breakdown of charges
i received the breakdown of charges from marstons debt collectors following an unpaid parking fee. basically the original letter went to my old address (my parents house) and for whatever reason i never got to see them. This was followed by a visit to my parents house by marstons, my mum was in the shower so they posted a…
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Debt before savings?
Someone suggested to me the other day that the correct approach is always "debt before savings" so I've been thinking about my own approach. I currently have two forms of debt, my mortgage and a relatively small personal loan I took out to buy a car. I also have a credit card available, but currently empty. At the moment,…
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getting a default date changed?
Hi, Quick summary; I joined a dmp in Oct 2007 (previous to this I had been making my contractual minimum payments to most of my debts). Egg duly defaulted me Nov 07 Barclaycard have never defaulted me Lloyds TSB Od - defaulted me April 10 (2 1/2 years later) Lloyds TSB Loan - defaulted me April 10 (2 1/2 years later)…
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Confused by credit report
I have a very poor credit report due to 2 CCJs (one active, one satisfied) and 6 defaults from 2008-9. I am very confused by two things I just saw on my credit reports via Callcredit and Equifax and wondered if anyone could shed some light. I am now showing as having only 2 defaulted accounts, although when you scroll…
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What small DFW things will you be doing today? Wed 3rd Aug July
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…
