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letter template to creditors
Hi all, Please can someone point me in the direction of a letter template for hubby to send to his creditors as he is no longer working having been diagnosed with an illness which he is receiving treatment for? we would like to request that they write the debt off. thanks,kezzygirl
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Payday loans nightmare
Hello, I am new to this forum (I didn't even know it existed!) and for a long time I thought I was one of a minority of people in debt but I know now I am not alone. Anyway, I am currently on a DMP with only 11 months left to pay it off after getting my debts down from £23000 to £1500 in 6 years. Its been a tough time but…
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Ebay debt collection agency help
I've owed ebay just over £400 now for a few months and to be honest have just been trying to forget about it. But the more I read about CCJs and maybe having to try for a mortgage in the future I'd like to get it sorted. Anyway... today I received a letter from a debt collection agency to arrange payment. I logged onto…
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is bankruptcy a good idea?
hey there, new here and wondered if any of you lovelies could advise? I have a Career Development loan of 12000 and have just completed a Masters in Psychology with it. I am now receiving benefits ie ESA but hope to work soon, hope fully using the masters but who knows!! Owe £5000 in benefit overpayments which could also…
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DMP and SELF EMPLOYED
Lordy...............I want the DMP Self Employed Fairy to visit me................... Because we are in NI, Business Debtline can't help, they direct you to other in NI, who don't advise on self employment. But they are charities and thats ok. I am not including business debt on our DMP because it is all trading debt, i.e.…
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£248 debt in March Nationwide now saying its £2315!
I had debt on my account with Nationwide, and a letter from KPR debt company stating my debt is £248, this has now been transferred to Roxburghe who claim the debt is £2315. I queried how it could have risen in such a short time as Roxburghe claim they dont apply charges, Roxburghe went back to nationwide to find out why ?…
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being bothered my mackenzie hall-but no debt?
My OH has been having letters from mackenzie hall regarding a debt from lloyds/black horse (I think its a couple hundred quid) which he has never had (never had any debt when we met, still doesn't bar a 0% card-neither do I) Its been happening on and off for a while, but they have now started calling our landline on an…
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How often should debt companies contact you to try and "renew" arrangements?
I have agreed to pay a set amount per month, and fairfax "solicitors" send out a letter after just 2 or 3 payments, and call, to try and renew the set arrangement (ie try to get me to increase my payment). I ignore most company calls to the home phone, as it constantly gets bombarded with them-and I dont know who is…
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were we missold a credit card?
before my time, my partner managed to run up some £10,000 in credit card bills from a single company (BarclayCard) whilst earning a pittance as a salon assistant. There was never any real way she would pay it back, not now and CERTAINLY not at the time. I am curious as to whether there should have been anything in place…
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Is this achievable?
Starting to think about life after debt. I am working on worst case in that neither me nor my wife will be working (comming from the forces). Neither me or her will get JSA :( her because shes only working 15hrs on min wage so doesnt pay tax/ni, and I will have my pension. I have been told I MAY get contribution based JSA…
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Recovering Bailiff charges
Hi All A while ago i signed a walking possession agreement and entered into a payment plan with a bailiff firm after having the bailiff turn up on my door. If i had known then a lot of what i have read since I would never have entered this, but never mind. I have read about charges that they can add etc but am still not…
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Friday 11 November - What small DFW things will you be doing today?!
Friday 11 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…
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Payment Arrangement, Yes or No?
Hi All Can anyone say if a payment arrangement on a credit card at 1% interest per month, is that good or bad? Should I be pushing for less interest, or is that good going? Please
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CCJ - Getting it satisfied
Evening All. My girlfriend has a CCJ that she is paying every month and her last payment is next month. Once this last payment has been made how can she get the debt marked as satisfied on her credit file. Is it just a case of getting proof from the debt company and sending this to the court. I have read other posts that…
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Step ONE
Hi, im new to the site and currently have around 18k worth of debt that up until recently has crippled me and the wife. We have managed to avoid payment plans on all but one of our debts. I recently had a promotion at work that has boosted my wage by around a big chunk a year and i also get a yearly bonus of around 2-3k…
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please delete
Please delete
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Advice for partner's CC debt!
Hi all, I myself have been a regular visitor to these boards for a few years now, and am happy to say that I am (mostly!) keeping on top of my debts. I have been badgering my partner to do the same for nearly as long, and I think the penny is finally starting to drop... However, at the same time I have also just realised…
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Council tax
Hi all, My sister has not paid her council tax for 2 months due to financial difficulty. She contacted the council who arranged a payment arrangement to clear the 2 missed payments and has this is writing and email. She has today received a court summons? Is this ok for the council to do even though they agreed an…
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1 year into IVA is this right?
Hi Everyone, Im just after a little advice on whether this is right. We have just reached our 1st year review, into our 6yr IVA. My partner gets paid on the first Friday of every month, which fluctuates his wages, below is his part of the review. Agreed Monthly per IVA Actual Difference 50% Due Sept 1,696.00 1,622.70…
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Low Credit Score
Hello everyone, I have a question about Credit scoring, hope someone can help me. I've been monitoring my credit score for about 6 months as I was refused a loan by my bank. I wanted a loan to consolidate my two credit cards, as the interest was lower but the system showed me as "Adverse Credit". I was surprised as I am…
