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Mackenzie Hall Settlement - No Response
Hi All I was made redundant a couple of years ago which left me struggling financially and debts that I was managing spiralled which meant I started to miss payments etc and went into default on the majority of my debts. However since then I have started working again and also taken on a second job to help manage my…
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Can Barclaycard do this ?
Hi all. I received a letter this morning from Barclaycard. It was notifying me that my debt (which is almost 5 years old), has been transfered to an agency and my account closed. My main question is, can barclaycard transfer my debt before the 5 yrs is up? (i have made a payment every month, via agreement). And when i get…
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help me please. dont know where to start
ok. so my husband and i have been careless , mainly my fault i guess. always wanting the children to have nice things etc etc one thing leads to another doesnt it. we have two children and live in a rented house with one car between us. we both work. we are in debt and struggling now as my husbands wages have dropped. we…
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Updated soa
I'll try this again later
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Creation finance - store card
Anyone had any problems with Creation?!? :mad: What happened:- My missus has had a card with them for 9 years or so, for the first 6 years no problems, then in 2009 they contacted us saying they hadn’t been able to take payment (£5 a mth) for a few months…..when we checked with bank, they hadn’t rejected anything and when…
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PayPlan - are they genuine and is it worth it?
Hi All, just want some advice. Are the company PayPlan any good? and do you think its worth it for me? see below summary of debt; Capital One Credit Card - £1010 Aqua Credit Card - £300 Lloyds TSB Overdraft - £3,000 is it worth me going to a debt management company? Any advice welcome thanks Emma
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What debt to pay off first
Hi, I am new to this site so hope i am doing this in the right place. I woul like some advise on what debt to pay off first. Metropolitan collections- £562.12- current Shop direct- £230.00- current barclaycard- £980- current capital one- £95- current I am going to be trying for a mortgage middle of next year but have a…
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Debt company exchange rate
I owed 522 euros and it has just been sold on to a scottish company. They have sent me a letter stating i owe £522. Can they pick an exchange rate or do they have to use a reasonable one? I'm happy to pay back what i owe now i actually have money to throw at it! But they've just added another 70 quid by using the worst…
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My new SOA now that benefits are sorted out
As some of you may know my husband got made redundant at the end of october and we have been waiting to hear what the new rate of benefit is. So here is my new SOA. We have 2 adults in the house and 2 teenagers. One is on the first year of a 2 year college course and the other is still at school. My husband is applying for…
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31K+ in debt Unemployed, no disposable income
Hi everyone I really need some help and advice, my life is in tatters and getting worse only financially but its affecting everything.
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debt free wannabe
here it is at Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 543.8 Partners monthly income after tax.......…
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What's the difference between a F&F Offer and an F&F IVA?
Hiya all:j Just a quickie really, trying to sort out an F&F with the banks at the moment (no reply as yet GRRR) I remember the CCCS saying that if it wasn't done equally then it wouldn't be seen as fair and could mess up the chances of ever needing to do an IVA? I'm a little confused as I've tried to Google and have seen a…
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Wilson Andrews (Gregory Pennington)
Good Morning, I am just about to start a Debt Arrangement Scheme with Wilson Andrews who are part of Gregory Pennington. I was about to go into a DMP but as I'm in Scotland realised that a DAS was a better option. I first contacted them on the 9/11/11 and they posted letters off to my creditors yesterday so it is early…
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Attachment of Earnings!
Hi I hope I'm posting this in the right place. Our local authorites has just placed an attachment of earnings on my partners wages for the council tax. We paid our first 2 monthly payments online with our debit card but thought it would be easier to set up a Direct Debit. They sent us the forms.. we filled in and signed…
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Tuesday 22nd November - What Small DFW Things Have/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 options
Hello there, I am now running into debt problems and I am unsure what to do. Ill detail my story and hopefully can receive some advice. For the last 3 years I have been playing poker professionally, mostly online. As it is classed as gambling I have not paid tax in this time or claimed benefits. Previous to this I worked…
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Overdraft Advice
Hi all, I currently have a planned overdraft of £1200, and have used it all. I currently get around £1150 a month from work. My monthly outgoings for bills/travel to and from work/food etc amounts to around £600 give or take a few tenners. I really want to get out of my overdraft completely. The thing is, i'm quite young…
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CapQuest Debt Recovery
Hi all, I try and make this as short as poss but after a devorse and loosing the lot plus walking away with all the debt this company has just posted this letter through my door. Its from an ols ABBEY load back in Jun09. The say goes as follow: Futher to our letter of the 22JUN 10 (didnt see one as moved address) You have…
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quick question!
evening all, can any of remember the name of that book about the lady who survived a year on not a lot of money? or one similar? cheers:o
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debt collectors for C.C. debt. Help needed
Hi this is my first post, not sure if I'm in the right place. To cut a long story short : had a credit card with Tesco Bank was paying, until I lost my job last year. Now I've got a new one but not as much money. I stopped paying, and didn't contact them at all (stupid thing to do). Kept ignoring all the letters, now it…
