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Money Making Ideas - PLEASE HELP!!!
Right, i'm getting myself on track! trying too! I have my debts set in my head, i know that i need to clear my credit cards asap!! So far i have: requested a refund from a pension scheme (left the job so had a refund coming to me anyway) - approx £450 Put a evening gown up on ebay - £80 (fingers crossed it sells) Sent…
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help needed possible fraud
my husband has just recieved a letter which is a first notice for a loan for £112 from quick quid. he has apparently borrowed £112 on a payday loan (he hasn't) and now has overdue payments. omg what how has this happend. its in his full name and has his date of birth and our old address. it was taken on out on the…
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High Court Enforcement Bailiff, advice pleeese
Hi all, came in from work yesterday to a hand delivered letter from HCE Group (high court enforcement) saying they have arrived with the intention of removing goods and chattels and will call again within 24hours to seize goods to pay off an outstanding debt of £1547.73. I have had no other correspondance whatsoever…
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Help
Hi everyone I could really do with some advice. I have gone through a few things and basically have run up quite a bit of debt Credit cards 2900 on one 0 per cent till jan 2012, 9200 on another 0 per cent till march 2012 and 5700 on a third 0 per cent till July 2012. I also took out a loan for 15000 for five years paying…
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Cancelling Debt Management Plan
Hi, all im a new member here so firstly wanna say hi! x Im currently with a debt management company, but I have just started a new job and have to wait a month before getting paid, I missed my payment to debt company last month and I am going to miss it this month too. I am looking into cancelling it anyway, does anyone…
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Ex Setup Online Accounts In My Name - can they be switched to her?
My ex-partner set up a lot (about 8) online shopping credit accounts in my name and I am wondering if there is anyway to get them transferred to her? It isn't the fact that they aren't being paid but I know for a fact some payments have been missed and i recently received a rejection letter form another company she must…
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OMG help!!!!
Hello, I have recently been trying to sort out a repayment plan for all of my debts. I am making very good progress and will be under a management programme soon which I feel really positive about. Yesterday I had a phonecall from one of the payday loan companies whose debt I am trying to sort out. Everyone else has asked…
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long time user but changed my name.
edit post removed
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Friday 18th November - What small DFW things will you be doing 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 and Link.
I could do with some advice please. I bought a car on finance 3 years ago. A few months later I lost my job, couldn't keep up the monthly payments and the car was taken back. I now have a £8000 debt with Link. Over the subsequent years I have been paying Link £5 every month. I have other debts and all are being paid back…
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Help!
I am really bad with money. At the end of each month I had nothing - I can't take out money from the cashpoint. This month it happened a week after I got paid. I am too scared to look at my bank account to see where I went wrong. I am seriously petrified. My SOA is below. I just don't know what to do - help! : Statement of…
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Can I pay extra into a loan that doesn't let me?!?!
We have a personal loan that we would like to pay into but it's a fixed rate one that doesn't allow extra payments..however, due to a lack of funds one month we missed the DD and were told to manually transfer the funds from our bank account. My question is this........if we could do it then and it was accepted.....do you…
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Partial Settlement... Is it classed as final payment
Hi, I have negotiated hard with one of my creditors(MBNA) DCA's (Wescott) for a Settlement figure for my account which is seriously (over 18 months) overdue... My credit file is shot to pieces with Defaults and CCJ's so Im not really bothered about how it looks on my credit file... The payment is £1234.07 for a £3085.16…
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what does this mean
on your credit report on credit expert? it's a negative factor, but just not sure what it means " The value of your highest credit limit indicates a higher risk." thanks x
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Pro rata payments
Hi all - When sending pro-rata payment set up letters to creditors do you show the other creditors who each other are or just what the full amount is of each debt and the repayments? Thanks Gert x
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Remortgage
I hope I am posting in the right area. I want to pay off my wifes and my credit cards plus one unsecured loan. The total amount is around £35,000. Our house is now paid for and worth circa £140,000. At the current rates we can only just afford to make the minimum payments for the credit cards etc each month. Its going to…
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Full & Final Offer Amounts?
Hi all! I wondered if there was anywhere that had info about the amounts that companies are likely to accept for full and final settlement offers? I know it depends on the individual circumstances, but was looking for just a rough guide at what companies accept. I wouldn't want to offer £1500 for a £2000 debt only to find…
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Its Going to take years.
Hi all you debt free wannabes. I have been in debt now for 2 years and paying it off is so slow. It all started back in 2009 when i got made redundant. I am now with payplan plus who i will say have been excellent and very supportive. If anyone needs help with debt i strongly recommend them. Just go to payplanplus.com or…
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Wescot Claim form
About two years ago i recieved a letter asking me two pay a debt of roughly £2000 for a littlewoods catologue. I rang them straight away and informed them they must have the wrong person as this was not my debt. To which they apologised and i thought that was the end of it. ( i had dealings with littlewoods some years…
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Council Tax Removal notice
I have some Council Tax which is outstanding and have received a Removal Notice. Does the bailiff come round at a specific time? It says from 7pm so does that mean around 7pm or any time in the next week?
