-
desperate to get out of debt - what are my options?
ok, I'm new here so hi everyone!! right, i have been in debt for several years due to unfortunate events and over spending combined. I currently owe, £500 on one credit card (27% interest) £2000 on another (29% interest) and a loan of £7500 (16%). i have a couple of other miner ones as well such as 2 x £400 vet bills but i…
-
Right then!
Oh my. I can't believe I am finally making this post. I'm sure later on I will feel better for it .... sorry, I might ramble a bit as this is the first post of this kind. I'm a long, long time lurker and think I have finally had my Light Bulb Moment. I thought I'd had it a few times before but then something stopped me…
-
Hoseasons taking me to court please help
I have worked really hard to get on top of mine and my partners debts and our credit files have improved so much. Still not good but getting there. Anyway last year when I was working I decided to book me and my partner a weekend break for this year to Hen wrych hall tower in Wales so I googled the tower and up it comes on…
-
Would I be better off ending my DMP??
Hi, My partner and I have been on a DMP with CCCS since June 2009 and currently paid off about £46,000 from a £90,000 debt (I know scarey isn't it) We currently pay £1612 per month from a joint income of approx £3,400. According to the CCCS we will be debt free in Dec 2014 which is a really long way away.....its been very…
-
Direct debit unpaid even though money was in account?????
OMG I have just got off the phone to my bank (co-op) and I am furious and extremely confused. I received a call from my insurance company saying that my March premium of £11.99 has not been paid as it was refused by my bank. When I checked my online banking on the Direct Debits list it said it was paid on the 1st March but…
-
'Quick Sale' property investors, advice please
Anybody out there used a 'Quick' sale property investor? Are they any good? Recomendations anyone. Regards mercbends:(
-
Trying to improve a credit score
Hi, Having read a recent article on Martins website about ways to improve your credit score and taken and tried this advice I'm gutted... Gutted because his advice was to try and re establish some working credit by applying for a credit card to use and pay off on time thus pushing up my score over a period of time... I…
-
Advice needed please
I will try to cut to the chase. My husband and I are self employed up to last month servicing cc's, mortgage, loans and living costs. Due to late payments from our clients.. dd's werent paid including cc's and mortgage. I know the mortgage takes priority so I am trying to get back on track with that, I keep hoping that…
-
Question about DD's and change of bank account
Hello everyone. I am in the long process of changing my dd's to my new bank account (so many automated voices I have a headache!). No trouble at the moment changing, but do I need to cancel the old dd with the old bank?
-
Has anyone used Churchwood Finance recently?
There seems to be a lot of old stuff dating back to 2008-10 thats pretty horrific, but nothing since then? Have they sorted themselves out? **** Note, I dont need debt advice ****
-
Dodgy looking debt collection agency contacting me.
Hello all, I hope this is in the right place as I don't usually post on this part of the forum. About 3 months ago I was contacted by a company called (and I can't remember the exact name) something like total debt solutions. After googling the name, a lot of results, including some from MSE came up saying that they…
-
Final Payment.
Fingers crossed i've got my final payment with payplanplus :-) I've paid back just over £30000, it's been 7yrs and hard work. I just wanted to give people hope and say, up until today. Payplanplus (payplan) have been very helpful and apart from certain companies ringing me for the 1st few years. I have had no problems and…
-
Lloyds tsb/Halifax panicking :(
Hi everyone. I am at the start of setting up a DMP with CCCS. Have opened a new account (Basic) and starting to sort out dd's. I was feeling quite optimistic about taking steps to sort out our debts. Then I have been reading about all the problems people have with lloyds/halifax refusing to freeze interest and now I am…
-
Statute Barred .... or not ?
Hi I have used one of the letter templates from this site as I have recently been advised that I have a debt hanging over me, and I had reason to believe this was not correct. A bit of background to it ..... I purchased some TV equipment back in June 2002, using the stores credit terms, and quite happily paid my monthly…
-
Thursday 8th March - 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…
-
Discrepancy on my credit report
I was wondering if someone with knowledge on the thread title could read this request for an amendment on my credit file I recently sent to Experian, whether there's a chance of a succesful response and if low, what possibly could be my next course of action. The request is genuine, but of course I would imagine Experian…
-
My SOA... advice please :)
I have posted on here for quite a while, but the last time I did an SOA my debts were nowhere near as bad :( I had my TRUE LBM two months ago and have cut back as much as I can so far. Just wondering if anybody else has any other ideas? Just a few notes first - 1) Partner actually works FT and earns approx £1000 per month,…
-
cca, default and wrong dates on credit files!
Hi, In 2008 I went through the CCA and SAR process in relation to Halifax and Capital One credit cards. To cut a long story short, Capital One relented, wrote off the debt in full and there is no record of it on my credit files. Halifax were a little tougher, they stopped adding interest etc but argued quite a bit and…
-
Confused with CCS & bank charges!!!
Hi, I am new to the site and to the bank charge reclaim world. I have started the process as recommended on this site to reclaim charges from Nationwide. I had a cheque for £14 bounce and have ended up with £515 being added on to this amount as a charge. As a result, this has ended up at CCS and i have had to set up an…
-
Council tax debt - full & final?
Hi all I have had this debt since about 2004. It was originally about £2,500. I paid off £1,500 as a lump sum. Since then I have paid regularly every month and now owe about £500. Does anyone know if councils offer full and final payments? I'm keen to get this out the way and done with. Thanks Jo
