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Advise please
Hi After reading most of the threads on here thought you may help me. oh and myself had a joint loan with the RBS, and of course other debts but my corncern is the loan from RBS here is the story. oh took ill back in 2009 now he's got dylated cardionyopathy but still able to work. but when he was ill he didn't work and…
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pay down debt or use money to buy investment?
Just interested what the forums views are on this, say you have a 50k mortgage and used overpayments over the next 10 years to pay it off..by then surely most of the 50k mortgage would have been killed by inflation? Then wouldn't it have been better to invest that surplus money instead of killing the debt off? I am very…
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my situation
deleted thread
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A question about joint account v personal account
Hi everyone, I'd be really grateful for some advice, if anyone has any thoughts? My husband and I are trying to get a handle on our finances. He has debt that he's been struggling with privately (paying min balance on high interest c cards). I also have some debt but am managing it on 0% cards and overpaying. I have a…
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Question for you - Scottish DAS
Hi everyone Ok OH has his DAS - it's been running for nearly 4 yrs and in that time he's repaid about £25000 but still has £48000 ish to go. He's really struggling - he's checked out Scottish trust deeds and bankruptcy neither of which we think will work because he owns half of a property his elderly mother still lives in.…
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equifax alert?
hi all just a quick query if anyone can help re. my equifax credit report. I had a text this morning to say there had been new activity on one of my accounts. I logged in and it says 'There has been a change to the Caution Flag status on the following account.' and under the account flag it says 'gone away' Does anyone…
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how much cash should i keep back if any??
Hi friends and thanks for taking the time to read my thread. A simple one i hope!!! I am a 45 year old single mail who have been lucky enough to live rent free since i was 16...anyways i have saved £270,000 from my full time employment and a part time business. I now wish to buy my first property but am very unsure how…
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Proof Of Illness To Debt Collectors
Hi, Wondered if I could gleem some advice from any1 on the forum. My situation is this, I ran up a debt with a credit card, I was paying this off, however recently I had some bad news, in that I have cancer, I am currently receiving chemotherapy, and the payments lapsed for 4 months. A company called Red Castle have taken…
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Hope this is in the right place.... Arrange to pay query
Hi, I had an arrangement to pay taken out on one of my credit accounts in 2009 at the start of a potentially long term illness where my income significantly dropped but I didn't want to default so came to an arrangement to pay what was owed. I've paid every single payment on time ever since, and I am still on this AP. I…
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Best way to manage debt without going bankrupt
Hi. I am 56k in debt, live in a rented property, work full time and have around 100 disposable income per month. What is the best way to sort my debts without going bankrupt because of work
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Feeling Ripped Off - catalogue charges means DMP debt has not reduced
Hi Everyone We have been in a DMP with Payplan plan for six years, we have paid back a very large amount of debt and now although the original amounts are all paid we have a bit left - charges and interest - and will continue the plan for about another 4 months. One of the debts was for a catalogue company, the debt was…
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credit report
If you sign up to check your credit report (Noddle) do these agencies sell your details on to debt collection agencies?
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Creditor have no knowledge of Bryan Carter taking me to court for CCJ???
I am extremely confused. :(:( :( I had an overdraft with Citibank which went over its limit in 2009. It was sent almost straight away to Fredrickson International and then they subsequently sent it on to Bryan Carter Solicitors who took legal proceedings and were successful in gaining a CCJ against me. I have been paying…
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Default query
Hi, I have posted in the past for advice on behalf of my sister who is finally on the road to sorting her finances out. The situation is this, when my sister checked her credit file in Sept she realised one of the debts she has been paying had a different date of birth to hers. The debt is currently with Robinson Way and…
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deeply ashamed
i really dont know what to do... im up to my eyes in debt with virtually no income. I have my own business but work as all but dried up...to supplement the lack of income i have used cc's for basics for paying the mortage hoping that things will pick up, but they havent. im scared, i dont know who to turn to, money is fast…
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Weekly Spend Challenge w/c 26th Feb 12
Weekly Spend Challenge w/c 19th Feb 12 Hello everyone. Welcome to the Weekly Spend Challenge. This challenge is open to anybody, no matter what financial place they are in. On this thread please post an amount of money you wish to stay below within the week (Sunday to end of working day on Friday). This can be pennies or…
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Sat 25 and Sun 26 Feb - what small dfw things will you do this weekend?
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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Defaults and Credit files
Is it possible to obtain details regarding a default once it has dropped off your credit file? Or can I get a copy of my credit file from 6 or 7 years ago? Thanks in advance
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HSBC Managed loan about to default
Hello all, 12/2005 I was tricked into taking out a managed loan to pay back my overdraft/credit card and another loan because I had just lost my job at the time, and I was about to start another job but they refused to delay my repayment until my first wage and told me my only option was to take out a managed loan to…
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Debt Advice
Hi All, My figures are below, any help in working out where to go from here would be great. I am trying to reduce my spending by becoming a hermit but it's tough when each month I start on -£700 in the current account and my salary disappears in the overdraft/rent in the blink of an eye! Please help! Monthly Incomings: My…
