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Newbies SoA - Any Advice?
Hello! First day as a MSE Forum member! I always come here if I'm looking for advice and read your posts and I have now decided to get serious about becoming debt free and join myself. It's kinda scary so thank you all for taking the time to consider my position and offer any advice. My husband and I are both 28 and have…
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Default removal strategy
Hi, i have a default logged in my name by t-mobile. t-mobile have now sold on the default to capquest who is now shown on my credit report to have logged the default ( i still have only 1 default but the name of the company has changed from t-mobile to capquest ) I wanted to write a letter to remove the default( long shot…
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Need help and reassurance debt mgt
Hello again. Thanks for all of you who replied to my previous thread. (this is thread no.2,) I have a worrying issue with the mess I made, changing bank accounts. In a nutshell: Payplan told me to cancel all direct debits with Barclays. (they have all my debit details etc) I joined nationwide as there is no link to the…
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Nationwide court action
am currently on a debt management program with payplan, I have nine accounts All of which have accepted payplans offers, four of the accounts are with nationwide, they have accepted the offers on three of the accounts but have rejected the offer on my wife’s credit card, the account was opened in 2003, after reading these…
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A few questions after obtaining my credit report
I want to apply for a mortgage so I have obtained my credit report and have a few questions that I hope people might be able to help me with. I got into financial difficulty back in 2005/06 with a loan and several credit cards. After much to-ing and fro-ing, I managed to restructure the payments on these accounts, although…
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MSE News: Rules to protect the vulnerable from bailiffs proposed
This is the discussion thread for the following MSE News Story: "Vulnerable people could get better protection from bailiffs as the way they are regulated is set to be overhauled ..." Read the full story: Rules to protect the vulnerable from bailiffs proposed
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Help with after being up to eyes with debt...
Hi everyone, Just wondered if someone could advise me. I was severley in debt about 7 years ago. Terrible. Had to sell the house that I bought at 18 to clear some and slog for years to clear the rest..... :eek: But.....things are a lot different now.....I am in credit..! I have some small lines of credit. Very- £500 credit…
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Bank smart
Has anyone ever had any dealings with a claims management firm called Bank Smart?? I asked them to look at my Halifax credit card taken out in 2006 to see if it is unenforceable as I have noticed a lot of errors in my credit agreement but needed professional advise of course. They have had my claim since November, and seem…
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need help
hi all this is my first post and was wondering where i can go to get help sorting out my finances, at present i am in that vicious circle of robbing peter to pay paul so i am alwaays playing catch up every month. i made the mistake of getting into payday loans thinking that would help but of course it only became worse. i…
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Moorcroft: blind or stupid or both?
I had a small debt with NPower from when I left them for BG. The amount was £79 originally and I offered them £5 a month. Before they could accept their collections dept passed it to Moorcroft. having previous experience with these morons I asked NPower to take the debt back but they said they couldn't so I was left…
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Default Debt
Some years ago when I was a student I got into debt with my student account and I defaulted. The debt collectors started chasing me and I agreed to pay X amount every month (which I did and reduced the debt a lot). I then couldnt afford this monthly payment anymore and missed a few, got a couple of letters from the debt…
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Advice please
Hi,now take it easy because i am new to all this,i have only small debts.....cc£600 and overdraft£700,i have savings of £800,would i be best paying some of my debts off or just continue to save....any advice would be great
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Trust deed
I've already posted on the IVA forum but thought I'd post here too. My partner has a trust deed in his name and payments are due to end next year. We live together but the mortgage is only in his name. We have no joint accounts etc. We want to save to get married in 2-3 years and save for a deposit on a bigger house. I'm…
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I've got debt that's not even mine!
Hi, i'm sorry if this post is in the wrong place so feel free to move it. It's a long story but i'll try to keep it as short as possible. Last year we checked my wife's credit report and there was a three mobile account that had defaulted on it for approx £40. Called three up to find out what it was and it was her step…
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Snowball Calculator
Hi, I've had a search and had a look and can't find the Snowball Calculator. I used one previously but want to re-do it now. Can anyone help? :)
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Can cccs take over payment of fines?
Hi there this question is for my son, he has an amount of fines to pay back to the court however he lost his fines payment card and subsequently missed a couple of payments, the courts have now started to take payment directly from his jobseekers allowance at £10 per fortnight. He is also having crisis loan repayments…
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Minimum payment
I apologise if this is in the wrong place, please feel free to move. I have debt with a catalogue that i am struggling to pay but they wont accept the payment that i'm offering, they know that i am in difficulties financially. I've offered £20 per month which isnt alot but i've got more going out than coming in at the…
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Friday 17th 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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Debt Payoff Path
Hi all! I have lived with repaying loans and lived in overdrafts and just generally outwith my means but not excessively for the past 4/5 years, now I want to clear my feet and change my ways... Currently my outstanding debts are - Nationwide Loan - £9000 - Started October 2010 £12k over 44mths @ £342/mth RBS Loan - £3800…
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Reducing payments to creditors
Due to a change in my financial circumstances I am going to have to reduce my payments to one of my creditors (JPB solicitors). I am off work sick at the moment and living off of SSP and then due to apply for ESA when my contract at work ends. Needless to say I know I wont be able to make the payments im paying now. I just…
