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Feeling down about my situation.
Sorted thanks
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Expenses during dmp?
I've been signed up with CCCS for the past year paying them £400-odd a month and still have a couple of years left. Due to combination of stress, diet and going to the gym I've lost over 6 stone and none of my clothes fit anymore. Basically, I need to buy some more clothes (the allowance for this on the guidelines for a…
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Letters from creditors continuing after PayPlan agreement.
So I've been paying PayPlan for a few months after going through an SOA with them and all my creditors agreeing to the payment amounts. I have 14 creditors and whilst some of them have stopped hassling me for money, 6 of them are continuing to send me letters on a daily basis (sometimes up to 10 letters combined per day -…
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More advice needed please
Hi I have several PDL's which i am struggling to repay so far cash genie and payday uk have accepted a repayment plan. I have opened a new bank account and spoken to the bank several times about withdrawing my consent for continuous payments from the companies they are refusing to stop authorising payments and suggested i…
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New User - Some Advice Needed Please ...
Hi, I have just registered after reading a few threads re Aktiv Kapital and would like some advice please. I received a letter yesterday from Aktiv Kapital saying they have an account for someone with my name relating to an outstanding balance with Egg Banking Plc for £1,850.00 and that they have been provided with my…
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Peugeot Just Add Fuel Package
Hi Can anybody tell me what Credit Reference Agency Peugeot search, when you apply for the "Just Add Fuel package" Thank you in advance
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Help With a Catalogue Debt
My friend had a catalogue for her mother but in her name, unfortunately her mother died about 6 months into the repayment leaving her with an £1375 outstanding balance at £80 p/m. Of this £80 only about £40 goes towards the balance, the rest is interest. I was thinking of lending her £480 (6 months worth) to pay as a lump…
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Vicious payday loan circle - please help
Hi, My OH has got himself into difficulty with a number of payday loans. We were both declared BR in 2009-2010 and thought once the year was up, everything would be okay. Sadly we got to our BR due to my mental health probs that led to me losing my job. I had hoped to return to work once i was more stable but now I have…
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Will a DMP work for me ?
Hi Guys/Gals I have debts that are getting very difficult to service.I am kiving in a rented house and employed full time and married. I have the following debts: Bank Loan...£15000 Barclaycard £10000 Natwest card £5000 MBNA ...........£6000 I am up to date with them all but struggleeach month and borrow to make payments,…
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Weekly Spend Challenge w/c 4 March 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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Pay Day Loan Ripped Me Off
Hi, I had a payday loan in 2010 with cash genie. I never repaid it and I am going to start a CVA. Last month I was struggling with money and tried for a payday loan with another company. They taken all my details and said that they would get back soon, but they never. Payday arrived and when I went to the cash machine…
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Debt, mental health and more.
I've read this website for years and years but never really found the time to post. I've certainly seen many users here being pretty fantastically nice, and I guess they're the ones I'm here to ask for advice at this time in my life. I figured finally its time to get some help, I guess I have to, since I have a 7 month old…
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Is there a limit on how much interest can accumulate?
I just wanted to make a general enquiry regarding interest and money owing. Say someone owes £10,000, is there a limit or a cap on how much interest can accumulate on this amount if it is not paid after a number of years. In other words when the interest accumulates to where the original £10,000 rises to say £50,000, does…
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help please. dont know what to do
hi i got myself into debt with 11 payday loans last may ( i was drinking alot at this time and was dating a really bad guy who used me for money, but im not blaming anyone else) i buried my head in the sand for a couple of months until luckily in august my parents came to my flat for a meal and found a letter from one…
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Thinking ahead for a future mortgage
Ok so I have a less then perfect credit file. No defaults but a ton of lates. I bank with first direct and my husband with Halifax. Our mortgage is with the Halifax. We may be fortunate to come into some money and pay off our mortgage later this year due to property being sold overseas. We've had our mortgage for over 5…
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First Steps...
The money for my consolidation loan has arrived in my account. Am just checking exact redemption figures and sorting it all - no burying my head in the sand any more. Have talked to DH about strict budget - did our weekly shop today and through buying basics, only what we really need and special offers brought the shop in…
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Does sold on debt start a new credit agreement
Hi all this is my first post on this super informative website. Back in May 2009 i had to leave the country for a funeral in Ireland. I had no intention of returning to England when i left. I had a outstading Debt with welcome finance and therefore i had defaulted on my account. I have been offered a job back in England…
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Secured consolodation loan,IVA or do nothing.
Please give me some tips , advice or ideas please. I was made redundant in 2009 and have managed to find work again...BUT I am now earning the NMW and my wife works part time. We take home approx £1500 per month plus tax credits,child benefit and a small disability benefit.Totalling £2200 approx. I have been trying very…
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Aktiv Kapital
Hi, had a letter arrive this morning from AKTIV KAPITAL saying that My wife owes £3514, and they are prepared to offer a full and final settlement of £702... My wife thinks it was an old barclay card debt going back 10 + years. I have printed the statue barred letter, do I wait for another letter or do I send it of…
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What's behind the debt?
Hi all, As a way of tackling my debt I want to look at its cause, no matter what I sacrifice and do now to pay it back, I will worry that I will do this all again one day. So what's the reason? I'm not sure why I spend, it's something to do with impulse and ignoring reality, how about you? Let's get this going as we all…
