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Arrangement to pay - advice needed!
Hi all, I'm a new member to MSE so I'll apologise now if I cover any old topics :) My first post has to do with an arrangement to pay I have with MBNA. The account will be paid off this year and I have been paying an amount which exceeds the contractual figure for some time. I called MBNA last year as I wanted to come off…
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17k paid, advice with remaining debt?
Hi, I just wondered if someone could give me some pointers on my remaining debt? I started a repayment plan with Payplan in May 2003 paying £232 per month. Most of the accounts, loans etc began from 2000-2002. When I began, there was roughly £25k worth of debt which is now down to £7.5k. I’ve now managed to save a bit by…
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BT help please
I originally posted this on the home phones forum, but was advised to move it here, so here I am:) This is a bit of a long story, but I will try to cut it as short as possible. In June 2007, I split up from my partner, and moved out with the kids. During the next few weeks, I sorted everything out, getting my name taken…
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Wed 22nd February - 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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Credit report - linked financial associates
Hi everyone, I checked my credit reports yesteray with all 3 agencies and noticed on Experian that my husband and I were linked (probably due to joint insurance policies). Does this mean we now share each others credit history/score? I've always said no to getting a joint bank a/c etc as I didnt want to bring his credit…
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Credit card debt advice
Hi ya just wondering if anyone can give me bit f advice. I have £8000 credit card debt, £6k on one card £2k on other on which am just about making minimm repayments -not missed payments but money tight. Bit worried as only paying minimum and don't like having debt hanging over me. I have had a hard lookd at my budget and…
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Shed the last few pounds
hi all, pretty new to the forum and just wanted some advice or just a litle encouragement. I have recently paid off just over 3.5ks worth of debt that was residing on my credit card by selling an old laptop, few other electrical items and bits on ebay, however now i have bled my valued items dry and have nothing more to…
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At the end of the line :(
Hi, I have posted on here before, but never had the guts to really look at our finances. Well I have now and it is not good at all. We have been surviving due to my ohs overtime, which now looks like it is going to end, which means losing nearly a £100 per week. This means we would be lucky to make our basic outgoings, let…
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should i pay the bailiff??
Hi I managed to default on my water bill and have been paying the debt collectors monthly for this. i missed the christmas payment for obvious reasons and they didn't make their usual call to me asking for payment!! i've had a postcard from a missed visit from a bailiff telling me he's coming back for the monies on a…
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first steps needed
I'm looking for help with a debt problem that began several years ago. I've had a long-running anxiety/depression disorder which led to difficulties getting work. I could no longer pay instalments on an HSBC graduate loan, so my current account was cancelled, and I began receiving bailiff letters. I spoke with the…
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Capquest keep calling
I have had a number of missed calls from Capquest in the last 2 weeks. I have 6 debts all of which are being paid £1 a month and through debt collection agencies who wrote to me prior to any phone calls as would be expected and all agencies have written recently asking for an update on circs and then wrote to confirm that…
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Help Needed Please
Hello all, I have posted before and all seemed to go well, but alas. We (my hubby and I) use to live in Wales and were doing fine, until his company went into administration. We'd spent all our savings on a holiday and a week later, found out that he had lost his job. His salary was the larger one, mine being only £900 a…
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Any F&F experience with these companies
Hi I am in the process of saving for full and finals on the following accounts.....anyone had any success with these companies and if so what % did they settle at? mint1985.18aqua1492.00capital one802.20cabot350.86
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New Start...Where to Start?!!
Hi Guys, I am new to this but have been reading through posts for aggggges and thought i would give it a go myself!! I really want a new start but have no idea where to start. I got myself into some debt when i was young and naive and i have been trying to pay it off for what seems like forever and not making a dent in it…
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HFO & Roxburghe ltd - PLEASE HELP
Thank you..
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Court Fine
A lapse of a tv licence resulted in a £450-00 Magistrates fine it was being paid directly from my JSA @ £5-00 P/W my benefit changed so they stopped paying I didn't notice (should have done) anyway letter from Bailiff company you owe £275-00 emailed them...no answer...phoned court you must speak to them out of our hands so…
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Charges from DCA over an incorrect debt
Hi, I'm posting to help out a friend so might not have all the details but basically, My friend moved into a flat with her flatmate last year and registered with Edinburgh City Council as students so they should be exempt from the council tax charges. Something along the line went wrong and the council billed them without…
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full final settlement wording
on the template on website for nat debt but struggling with wording, any ideas? thanks
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Scared to death - laid myself bare Please Help
I am totally disgusted with myself and although I have been well aware of this problem for so long now, I have placed it to the back of my mind. To say I've had the LBM is an understatement. Please do not judge me for what you will see below, this is an accumulation of years of debt with little management, change of…
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Debt Help Please! :(
So I have a loan, credit card, overdraft and Littlewoods account. The loan is fine, with HSBC and I am having to pay £160 a month on that which I don't have an issue with but after splitting from my husband last year I haven't been able to pay my Lloyds credit card and Littlewoods account. The loan I took out for £7000…
