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Hello - new to DFW and desperate to cut debts!
Hello. I was wondering if I could seek your advice - I know there is a font of knowledge on this forum and I'm not sure where to begin. I'll tell you a bit about me. I work permenantly FT as a registered nurse and my OH is currently 3 weeks into an 8 week temporary contract. My debt is £3000 from my student overdraft…
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Buchanan clark & wells Letter
Hi,im hoping someone can help. I recieved a letter from BC&W asking for £400. It states that if I pay Immediately I will only be required to pay £200. I know dont have a debt in that amount, and it doesnt state who the Debt belongs too. What should I do? I will not be calling them, but I am wondering if I should write to…
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So sick of Cabot ....Any advice gratefully
I am so sick of this company. Had an incorrect default from them when the debt had been settled by Capital One and was incorrectly sold on. After a lot of dealings with various managers at Cabot, emails back and forth, it was removed from my credit file and they apologised with email confirmation on the 21/10/11 I now got…
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Help please with best way forward
First time posting in here, though have lurked for a while and am a poster/lurker on the Old Style board.... we've had our 'lightbulb moment!' basically we're in debt due to not managing things very well and 3 lots of maternity leave in 4 years. We cut back as much as we can, swap providers, look for deals, don't have…
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Advice/thoughts needed please, DMP or IVA
Sorry for the "straight in to it post" but I need some advice and this seems the place to get it. We (hubby and me) are in debt crisis. We have our LBM and know we need to do this, the problem is we are getting conflicting advise. We owe £47000 on unsecured debt; three loans and three credit cards as well as an overdraft.…
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natwest collections
was overdrawn by £700 in my business bank account with natwest. I am now in a position to repay. natwest have passed this on to a debt recovery agency, but I can't find out who they are. anybody know?
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Advice regarding DCA
Back in March took a massive hit in my take home pay. With the help of CCCS managed to come to arrangements with my credit cards (4 of them). Basically paying them the nominal fee of £1 each month while I either get a better paying job or save up for bankruptcy. So far so good. All the cards agreed. One of them, Opus, have…
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Unauthorised purchase on my card over 12months ago
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Stymied
For the first time I have insufficient funds in my bank. I have money going in at the end of the week but otherwise ... Basically, I helped my daughter out a few months ago when her relationship broke down. This is ongoing. She's in a similar situation as me atm. Also, I have family staying until they get their house done…
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ok 31 £145k in debt and overweight need to change
Ok so been avoiding dealing with issues as I hope other people can relate to. I have £3,012.80 overdraft spread over 3 accounts £7,007.04 loan until May 2013 - £389.28/month £327.82 on cahoot credit card £180.97 on capital one credit card and £135k mortgage interest only at 5.84% till dec 2013. (£661.92) incoming at the…
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NAT WEST and CCCS
Hello, Ive been with cccs for over 6 months and they suggested token payments to my debts at the moment.. so i have been sending a Pound each month via standing order. I recieved a letter from natwest asking for an account review. I wrote back writing i was still in the same financial difficulty but would let them know…
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New House, new SAO to sort out!
Hi all, I'm moving house this week (very excited but a little stressed!) and I need to do a new SOA for you to pull apart if you would. However, I will have gas for the first time, and I don't really know what to estimate. I currently pay £67 a month for electricty by Direct Debit on Economy 7. The new house has gas…
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Biting the bullet - GULP
Morning..... :hello: OK so after a few sleepless nights (more sleepless than normal) :cry: and 2 days off work because I was feeling so down I couldn't be bothered to do anything - I spoke to a mutual family friend last night, told him the basics - being in debt, not being able to tell DH etc etc - he has offered to help…
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Being traced by an overseas bank
Hi, can anybody help me with info about credit searches please. Basically, we had a £10K loan with a Spanish bank when we lived overseas. When our UK company went bust last year we ended up owing this bank about £400 (we had already paid off £9600). We have always kept in touch with the bank and offered a monthly token…
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HSBC Overdraft Charges - HELP PLEASE
My 'darling' daughter has gone overdrawn, unauthorised, on numerous occasions during the September/October statement period and not been charged anything for the privilege. At the end of the period she was still overdrawn. On her October/November statement period she continued overdrawing on the basis that she wasn't being…
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Csl4
Hi,I was wondering if anyone knows how I can stop automated calls from CSL4,I googled them and I think they are a debt company.many thanks.
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Second Charge on the House
We are just entering into a DMP, but have a loan with Natwest currently standing at £33,000 ish. CCCS have advised that Natwest may go for a second charge on the house. From what I gather they cant force us to sell , but were we to ,we would have to pay them back with any proceeds we make from the sale ( thats fine as…
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help needed
i need some help if anyone can help i have been chased for a very large debt on and off for may years and havent really done much about it due to despression etc anyway i finally got the get and go to sort this out and do some research and found some very dubious information about the company i have been paying this debt…
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Wednesday 23rd November 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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Debt advice with SOA Info
Hi, I've managed to get myself a bit of debt (approx £10K). To be honest it isn't unmanageable, and I am making the payments each month (even if some of them are the minimums). I'm planning on increasing my income but at present I want to seek advice from people on here on how to progress my debt or find the best way of…
