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Iva & dmp
Hi I need urgently help please. Can anybody tell me what is the difference between IVA and DMP please. Thanks in advance.
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Advice needed for clearing debts
Hi all, New to the forums, and looking for some advice to be honest.. I was a idiot with money and had some issues a few years ago, thankfully this is all cleared up now, but the debt still lingers and is bearing down on me when im thinking of getting a mortgage and building my credit report, however I have ruined my…
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My F&F Repayment Journey
Me and my fiancee are looking to take out a mortgage soon but I need to, at least partially, stand up for my debts and repay them before we do this. I am not talking huge amounts of money here, none over the 1k mark and only one under two years old. This was for a £47.00 phone bill that I stupidly didn't pay when it was…
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Reliable collections uncooperative
Hi please can someone help. I took out a catalogue over the phone with Simply Be in 2005 / 6. I made regaular payments, yet became pregnant and my circumstances changed they were brilliant with maternity leave and agreed pymt interest frozen. This was fine until a few months ago where they tried to increase to £30. i…
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Help
I have got a few debts that I would love to pay off but am seriously struggling. I have a credit card at the max, catalogue, one store card a personalloan and council tax arrears. Wish i could sayit has been on frivolous living but it hasn't. i am now avoiding the phone and mail. Need help ow but don't know where to start??
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F & F Settlements?
Hi there. I currently have 2 debts. 1) £1100 - Metropolitan Collection Services 2) £700 - Cabot, Sold to them 5 weeks ago by Metropolitan Collection Services. I've been paying £10 a month from both debts for the past 3 years & now have an agreement with Cabot to pay £10 a month. I have just had a small winfall of £600. Do…
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advice need and any help info appreciated :) £15000 debt
i have about 15000 in debt various loans credits cards ect all my debts are atleast 5 to 7 years old but for the last 4 years i really have stuck my head in the sand moved a few times and pretty much ignored any debt letters that managed to find me and i know im not doing myself any favours, i have been adviced by my local…
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Can't afford utility bill due to moving house
Hi, would really appreciate some advice please. Our landlord unexpectedly put the house on the market and gave us notice to move. We are at the start of new dmp with CCCS so just didn't have any money yet set aside for another deposit (had expected to be able to stay here for at least another couple of years). We were…
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Unsettled loan advice please
Hello. This is my first post. I have lurked for quite a time but, until now, have never had the courage to post what I am posting now. Firstly, I am not proud of the content of this post. I know I have done wrong and have lived with that every waking hour of the last few years. Hindsight is a demon I've got to know quite…
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No Hope ! Mounting debts, no equity...;O(
I need help ! I am on maternity leave with 6 month old twins. My house is up for sale at a low asking price to clear the £1000 a month mortgage. I am in debt up to my eyeballs and have been advised to do a DMP, another friend says to file bankruptcy. Im not sure which is best or which way to go, all I know is I cannot…
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Any need to pay a defaulted account?
Hello there, Please don't shoot me down thinking I'm one of those people that got into the debt and doesn't want to take the responsibility or pay it back! I have a six defaults on my account from a previous marriage and financial problems I was defaulted in 2007 for 5 of them and 1 in 2009. I'm currently with pay plan and…
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Help with F+F please...
Hi, Been a whil since I've posted as my DMP has been moving along without any issue and it's all settled down. :) I'm here now to ask for advice on getting my creditors to accept F+F settlements as I have just had my refund cheque clear into my account from a PPI claim. My total debts are £8890 to 5 accounts, though I am…
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Reducing a Halifax Overdraft Online
Hello peeps Quick question, I am going to start reducing my overdraft as quick as humanly possible. It's at £3000 and it says in the online banking bit 'Apply for a new overdraft limit'. If I was to put £2950 (as the minimum is £50) would it work and would it cost me anything?! This seems to be the easiest way of getting…
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Equidebt letter
I have just had the same letter today in the post (10/02/12). I am a little confused / concerned as I dont have any debt and as far as I can remember never have had. Please advise
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Question about Payplan
Ok I want to really sort my debt out and I'm finding kind of confusing on where to start. I don't know whether I should go with payplan or somewhere where you need to pay, I mean is it really the same thing? will Payplan do everything for me (contact my creditors, negociate my debt with them etc...), is there any…
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Freezing interest
I have an account with Lloyds which currently has a crazy 24.9% interest on it. I don't really want to do a DMP. How easy is it to get Lloyds to freeze the interest?
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Struggling to put a loan into an excel sheet
Bit of help as my maths seems to way out at the moment! I'm trying to work out what happens if I overpay on a personal loan. I've put together a spreadsheet with all my other debts on it and all of them are working out perfectly. However I can't work out the maths on everyday loans! Here is what I can tell you so far. The…
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Can anyone advise on HSBC freezing interest?
My OH has a credit card with HSBC. It currently has a balance of around £4,100. The interest rate on this card is something like 21.9%. He pays the card off every month, more than the minimum payment, but around £100 a month is interest alone. How likely are HSBC to freeze the interest, even for just 6 months? So we can…
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Callcredit
Hi, I'm currently doing the rounds and checking my credit files and I have used experian and equifax on a monthly basis but I've never used callcredit before and I can't understand their website. I know I can get my £2 statutory report but as I've lived in 3 properties in the last 6 years its easier to amend details online…
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Shop direct-sack of default notices
Hi all, I have an old great universal account opened in the 90's that I've been paying on arrangement for the last year or so. There is no credit agreement for the account, and when I asked for one they said we don't have it but here's a current one etc, so basically, useless. Happy about this bit. Since being on an…
