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help with how to budget please
any suggestions welcome... We are finding it hard to stick to a budget as money is going into the account at different times, bills come out at different frequencies,and we are getting in a muddle and constantly robbing peter to pay paul! OH gets paid weekly I get paid monthly but not on a specific date ctc is four weekly…
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Information removed - Thanks for all the advice
Information removed - Many thanks for all the advice
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Debt advice needed
Hi, I owe Northeren rock £29,500, i currently have a payment plan in place for £1 a month. I have just spoken to a lady from northern rock on the phone and had a quick review, it works out that that i am -£15 at the end of the month before i pay the £1 if that makes sense, so she said if i could raise some money from a…
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Debt Relief Order or Full and Final Settlement offer?????
hi, im hoping somebody can advise me a little plz..... im currently trying to get my credit report higher due to hoping to get a mortgage asap (hoping for about 12 months or so). i have had 2 unpaid debt on my account since coming out of work a few years ago. both debt are to Metropolitan Collection Services (in house DCA…
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Christians against poverty.
Last night I completed a free 3 week CAP money course through my local Church. You don't have to be a Christian/Church-goer to attend and they are run all over the country. I really found it helpful. I have tools now to organise my finances and am very confident that I can tackle my smallish amount of debt- and prevent…
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Severe debt issues....
Hi, im posting here as advised by someone on the loan thread, I am in debt to two pay day loan companies, this was the usual story of difficult circumstances and very fast snowballing of loan amounts. I was unaware than pdl's could take money from an account even when a card is cancelled, so a sum of money was withdrawn…
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Its only 'small debt' but its starting to ruin my life...
I am sat hear now with tears filling my eyes. Another stupid tip over. Went to take back some trousers in H&M and have lost the receipt. I really wanted that £15 to be taken off my credit card :-( I owe only a small amount but on my wages it takes months, years to get back what I had. I can't help but keep going over in my…
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signifiacant defult
Hi guys I have a question about a segnificant default I have n my credit file. I got in to trouble 5 years ago in March as a result I changed my personal loan with my bank to a managed loan and as a result they defauted me. I still had great difficulty in meating thee repayment options. I fell behind and went to a debt…
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Full list of money you owe?
Hi, New to this so sorry if it's posted elsewhere. Can anyone tell me if there is a way to know if I owe money to anyone? I used to have debts a few years back but made an effort to clear them but want to make sure everything is gone. Does Experian list every debt you have?
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SOA for DMP
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really struggling with moorcroft now!
Basically, They rang me, and i said i wouldn't give my debit detailss over the phone but i'd be happy to set up a standing order - and they point blank refused give me there standing order details. I feel a normal person until they ring me and i try arrange something - then i feel the most dumbest person in the world as…
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being hounded for a limited company debt
Hi all, Hope you can help me. Yesterday I receieved a letter from Direct Collections Ltd informing me they had been instructed to collect a debt of £26k (+ an "admin fee" of £2700!!!) from me on behalf of their client. Whilst there is a debt there, the debt is via a limited company that I used to own/run. The company…
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Payment Plan
I have written to all of my creditors a week and a half ago,requesting that I make reduced payments and that they freeze the interest and charges. So far I haven't had any replies but what I want to check is,should I continue to make the requested full payments until I receive confirmation that they are in agreement with…
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payment taken
Hi, A payment was taken from my account today by a company called London treasury, but the bank doesn't know who they are. Can anyone help? :)
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Money every month
Hi can someone please tell me what bank pays you the most every month for keeping your money. Example the more money you put in the account the more money you get from the bank. P.S. Including this bank: coutts.com Thanks.
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Disassociation
Hi all, I wonder if you can help. I'll explain. My brother lives abroad, and had used my UK address for things like his bank statements, etc. He's never lived with me, and we have no financial associations. This month, I have had debt collection letters come through the post. Basically, he hasn't been paying his credit…
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Notice of correction help
Hi hope somebody can offer advice, having recently reviewed my credit file for free i noticed i had one default :eek: against me from orange mobile company in january 2009. The bill was too high to pay off in one lump sum so i had to arrange to pay over a period of 8 months which i did. I was phoning up to cancel my…
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Do debt agencies get address from Council Tax?
My partner recently moved in with me and because I like everything to be above board, I added him to my Council Tax bill, forfeiting my single person's discount. Since then, he has been receiving letters from companies chasing pretty old debts. I can only think these companies located him through the Council. Is this…
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I can't get noooo satisfaction!
Hi you helpful bunch. Wondering if you could work your magic and help me figure out what I'm doing with a CCJ I need satisfying. I had a CCJ from Feb 09 which I paid in full in April 09. I have a letter of satisfaction from the lender and the court reference number but I don't know where to send this letter to or who to…
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Creditors Not Willing To Help
Hi Ive received a letter this morning from Very and Isme saying the are not able to acept my offer of payment, I phone them to see why and they say the offer is to low & they want £47 a month on each account or I can take a loan with them for £120! She said there is nothing they can do to help me and they are going to keep…
