-
Not spending money is boring!
I'm seriously skint so for the last couple of months have been avoiding all non-essential spending, and the sense of... not righteousness, but like I'm doing something good, has carried me through it. But I'm just getting bored of that feeling now! I used to spend a lot of money online shopping, on high street sites and on…
-
Capquest Tmobile debt
Hi all My boyfriend just got a letter from above debt collector fora mobile hedidnt take out. He called them and they told him when it was and the nmber. It was his ex. it was taken out april 2009 and the debt is nearly £600. Now what should he do? Obviouslywe cant pay it, but how do we tell them and prove that itwasnt…
-
Christmas.... just thinking...
How many people do you have to buy for? And how much do you spend per person?
-
Bank Account Charges for Account Never Used!
Hi, I applied for Princes Trust business funding a few years ago and as part of the application process I had to set up a Business Account, we were recomended the free Barclays Business Account - I now find out that the small print was that it was free for the first year (I know, I know, I was a moron). Without knowing it,…
-
Advice please
Hi all. I am in debt to about £6500 on 2 credit cards. Total monthly repayments is approx £200 and not really making any head way. The car is up for sale to help cover a little of it. My credit score is poor as I missed a few mobile phone bills, not because I dont have the cash but problems with direct debit (This is now…
-
Philips Bailiffs - Fine for no TV License - Fake Visit? - Advice Needed
Hiya, my partner has had a magistrate's court fine for not having a TV License, which is now being dealt with by Philips Bailiffs. We recently noticed that the balance showing online when we went to pay had suddenly risen. We had entered into a fortnightly payment plan as soon as the letter arrived from Philips but paid a…
-
Yet Another Fredickson Internation Limited Post
Hi all I'm new to the forum and have seen other posts about Fredrickson International but am getting mixed solutions and do not know what to do, i'm desperate for some help. Thanks in advance. The letter says We have made enquries for confirmation of your current place of residence. Information has been recieved confirming…
-
Breaking DH's financial links with ex GF
Hi everyone, Not sure if this is the right place to post this (Mods please feel free to move to a more appropriate home if required!) and couldn't find much under a search, perhaps my search words weren't the right ones. My DH had a joint account with his (ex) GF before I met him, I am concerned that her financial history…
-
Signatures on threads
Hi Just a quick question - how do you add your debt info to the bottom of your posts? I want to start keeping track and seeing the figures go down but not too sure how do do it? :huh: thanks!!
-
Letter from NatWest
Just received a letter from NatWest saying they want to discuss my overdraft in terms of reducing it. Sounds fair enough to me, would like to do so but by doing this could they possibly make things too impossible for me? Falling into their trap for example.
-
Paperless office for a debt recovery agency
I'm being pursued for debt by a recovery agency who claims they have a paperless office. This means that I can't send them letters so I can't send them a CASHFLOW statement as it's a PDF file. The only way I can send them information is via a website contact form which gives me no record of what I have sent them. I can't…
-
DCA sent me a direct debit form!
Hi, I'm starting a payment plan with my 2 creditors, both with 2 different DCAs. I sent identical letters to both of them with my SoA, offering token payments. DCA 1 has 'replied' sending me a direct debit form instead of a standing order form. I want standing order, as I read they can take any amount using direct debit. I…
-
Started a DMP with CCCS....not sure if its the right thing??
Hi, I have set up a DMP with CCCS... its still in the process at the minute- I have been advised to set up a new bank account- I have tried HSBC, CO-OP and in the process of trying Yorkshire- the problem is the 1st 2 banks have declined me!!- I cannot set up the DMP until I get a new one!! I have sent letters to all of my…
-
NRAM wont split mortgage & loan!
Hi, We are in a bit of a pickle financially and are considering bankruptcy as a last resort. But in the meantime CCCS have suggested we write to our creditors offering them a token £1 a month payment. But our NRAM mortgage also is made up of an unsecured loan. The 2 are shown as seperate elements on our statement but all…
-
lowells/hampton/red ccj bailiffs
my daughter has had letters from red telling her she has a £356.78 debt with orange. orange say they cant give us the details once the debt has been passed to someone else. Now she has a letter from hamptons/lowells saying unless payment is made in 10 days/direct debit or full payment they will take her to court etc ccjs,…
-
Newman & Company debt collectors Ebay
Hi everyone, I owed Ebay £51 in sellers fees for which they had emailed me many times asking for. Unfortunately, this was to an email address I did not have access to and so I didn't realise I owed this money until I received a letter in the post from the Newman & Company debt collectors. In light of this, I signed onto my…
-
im here again :-(
So i had finally sorted myself out and was living within my means, then me and oh moved in together and had a baby then he got laid off from work so i applied for overdraft with my bank (Halifax) and they gave me £1800!!! :( and within months it was upto its limit and ever since iv been upto the limit! anyway i hate the…
-
Advice needed please on mortgages
Hi All, just a quick question (not sure if theres a quick answer) but me and my partner are looking to get our 1st mortgage. I'm just wondering if you have an overdraft does that give you a bad credit rating? Any advice appreciated, thanks Emma
-
What's the next step?
Hi folks, I've recently completed a protected trust deed and have now started the long road to recovery. * I'm currently cleaning up my credit files (2 out of 6 creditors isn't too bad.) * I've got a CashPlus pre-paid card with credit builder on it. * I have a mobile contract with 02. * I have also just been accepted for a…
-
Council Tax Court Summons
Hi Lovelies One of my dear friends has separated from her husband, due to mental domestic violence. he had taken control of her bank account and paying of the bills but it has come to the front that instead of paying the bills the money has 'disappeared' and the bills have been unpaid and hidden away (some of them haven't…
