-
Owe my mum's catalougue can't afford to pay!!
Hi I feel in such a mess, 2 years ago I started ordering things out of my mums cat. Due to the fact that whenever i tried to get one i always got declined, at first it was managable i'd order and pay it off in 1 -2 months. Then i discovered buy now pay later and ordered a few things on there, even so i was managing and…
-
Uptodate Letter Templates
Hi, I've been looking for the standard letter templates to send to debt collectors regarding harrassment by phone and doorstep visits....however all I can find are templates that are at least 3-4 years old. Does any1 know where I can find more recent templates??? Would be so grateful Thank you in advance
-
Capital Finance One and MT Collect
Hi all, Sorry for the essay but this needs a lot of explaining: I initially took out a loan with Capital Finance One (CFO) for £250.00 on 17th August 2011. Since this date they have made the following transactions: 22/12/11 £97.50 25/11/11 £97.50 21/11/11 £25.0 15/11/11 £97.50 10/11/11 25.00 9/11/11 25.00 03/11/11 £25.00…
-
In financial trouble - any advice would be useful
I was off work last year for 7 months due to illness. After 20 days, I only received SSP. So had to use credit cards - draw out money to pay into my bank account to pay bills, including credit card bills. Stupid I know, but I had no other option. I have been off work sick again for 7 weeks. Going back next week no matter…
-
where to look for help shedding debt?
i am looking to pay back my debt as i am fed up of it and really shouldnt have it any more it totals 3.2k on card and overdraft, i earn enough to start paying back to be honest so not doing so is silly, i would like ideally to pay it back weekly as thats how i get paid and it would avoid confusion is there a way of getting…
-
need some advise please
my partner just received a phone call from a debt collector/solicitors asking her for £560 for a 02 phone bill dating back to 2007 she as no idea about and said if she dont pay they will take it to court for a ccj they state she entered into a contract with 02 for 18months but no payments were ever made so she ask could…
-
Should I contact my old debts, or are they gone?
Hi all. Apologies for my opening post being a big question and if this has been asked a million times before then please point me in the right direction. :) When I was at uni 9/10 years ago I racked up a few debts that I've never paid back. Since then I've moved around, built up a career, paid off some debts e.g. student…
-
DH received court papers
Hello I'm after a bit of advice please. DH has received court papers from a local cheque cashing/loans company. Basically they were moving out of town and told DH he would need to convert his cheques into a loan, this was in 2011. He wasn't given any facts or figures to take away to think about it. The credit agreement has…
-
F & F question
I’m going to try for a full and final settlement and I was wondering, do I send it to the creditor or to the dmc. The debt hasn’t been sold on yet, although I’ve been paying it for many years. In the standard letter, it says to put in: “This offer is made on the clear understanding that, if accepted, neither you nor any…
-
1 debt v 100 days chapter 8
Welcome in the challenge 1 debt v 100 days chapter 8 . Rule is simple: choose a debt and try to pay it off within this time. This challenge starts at 12.03.12 and finishes at 20.06.12. Please write your name here if you want to take a part. Everybody's welcome! 1. Starnac £973/937.05 Well done!!! 2. Brokeattheminute…
-
Is it possible....
.....to do a sort of 'informal iva' i.e. phone up each of your creditors and say 'look I am thinking of applying for an IVA to pay back 30%-35% of the total amount owed to all creditors. However if you could agree cutting 50% of loan now then I can pay that back over 24 months'. The incentive is that they would get back…
-
Is there anything more I can do?
Hi everyone, I've been working at my debt for a while now and although it's slowly falling, I don't seem to be learning anything financially. I'm still spending silly amounts of money on things (although I am now making regular payments on all my cards). They're not huge amounts, but it's things like lunch at work and the…
-
Default on my loan or not?
All, Got a new job working for a travel company, I'll be taking a massive pay cut (still being paid by UK company) so will keep my RBS account. However currently I have a loan for about £5800 with them, which I'm paying at £233 a month. Literally can't afford this while in my new job (intially six month contract as tourism…
-
bank raised business loan repayments from int. only to capital+ int without notice
After a meeting Nov. 30 2011 agreeing to continue interest only repayments on my business loan my bank changed it (Jan 4 2012) without verbal or written notice, thus pushing me into excess O/D. Payments went from £176 to £870 knowing full well I could not meet it. The business is a retail shop with 2 flats above,…
-
Forgotten about loan bites back, what to do?
Hi everyone, I have just received a letter from a debt collections agency (Fredrickson International) about an EGG loan I took out back in 2006 when I was a student that I had since forgotten about. I called them up and they told me I owe the guts of £1,000:eek:. They have gave me an option to pay £750 as a one off payment…
-
Consolidation: Is it ever a good idea?
As the title suggests, my partner and I are considering taking out a loan to consolidate all existing debt. Relatively speaking we only owe a small amount, around £10,000, through credit cards, overdrafts and an unsecured loan. Until recently, all monthly repayments have been manageable and in fact we had been making…
-
Onepoll?
I've seen this referenced a few times - can anyone tell me how it works? How much time do you need to spend doing surveys etc?
-
bank cancelled overdraft, unfairly i feel, what to do?
hello to everyone, i'm hoping someone might be able to advice me in this matter, i'd be very grateful. i have had an account with hsbc and an overdraft limit of 1250, which i havent gone over for years but have been at the limit. a couple of years ago i stopped using the account because i lost my card, i rang them to order…
-
Credit Checks
Hi all Apologies if this is in the wrong forum but I have a few basic questions about credit checks. I followed the advice and registered with Noddle for free. Noddle, for those unaware, give you what 'credit' you've had in the past few years (think mine shows 5 years) and who it was with. If anything its a good little…
-
Ccj - finally traced someone! How do I issue?
My ex partner did a bunk in 2006. Owing me £15k I issued a ccj but by that time he'd disappeared off to the states so I'm not sure if it could be issued. I've now found him!!! He's back in the uk and started a new business. How do I go about issuing? And can I?? I doubt I've still got the original paperwork.. ok - more…
