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Simply Be APR?
Hello, Sorry if this is in the wrong place - There's a load of different forums on this site! I've got 4K of debts (credit card/store card and O/D) and am looking at digging my way out of them. I've read on here that paying off the one with the highest APR route is the best route to go down, but can't find the APR for my…
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Bank Debt 23 Years old
Hi wondered if anyone can suggest what I do? I was married and everything was in my name. Are bank account was Nat West and me and my husband split up. The overdraft was to the limit and each month I got charges. We had a lot of debts which I ignored as I was struggling with the breakup. I eventually went to the cab who…
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Hello you lovely people you!
I am a bit over-elated after embarking down the DMP/CCCS route. After literally years of waking up sweating and never having more than ten minutes thought process that didn't involve worrying about money, I have finally got my act together. I am making my first payment on 1st June after years of throwing money away on ever…
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Mackenzie hall/marshall hoares/NDR help needed please
Morning everyone, I would like your advise please :) , Now i am on my own ( out of rubbish relationship ) i have sat down and been addressing my finances/debts with help from you guys on here :T. I had a payday loan :eek: (quick quid) that after obtaining my credit report looks like i had been passed on to MACKENZIE HALL…
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Inquiries made on my credit report without my permission.
A few days ago my husband went looking at cars, we wasnt sure if he would get finance, stuck to a low value car at a price we could afford to pay weekly/monthly and thought he may aswell try. They rung him a few hours later saying he had initially been refused but they were transfering it to a company who deals with bad…
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Where to start!
Good morning! Right I have posted a couple of times before,havnt had many responses... Lol Basically I was working for an agency,that jod was due to end so I started my own business! I'v now done all that and can finally now start propery training and bringing some money in again! Although it will problalbly only cover…
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Saturday 19th & Sunday 20th May - what small dfw things will you do this weekend????
When we first 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, cancelling sky and the gym :money: But once we have done the bigger stuff, we often feel that we are not making the same amount of…
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Weekly Spend Challenge w/c 20 May 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 thousands it depends on the individual.…
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Is this a short cut to a clean slate?
Hi all, I have a very bad credit history that will take a lifetime to get better. What if i left my old self behind by moving back with my parents, go on the electoral roll and get my name added to a utility bill there. What if I opened up a brand new (unconnected) bank account and said i had been living with my parents…
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Arrow Global notice of assignment on settled debt
Hi All, Would appreciate some advice before I do or don't reply to this company. Long story short, in October 07 received supposed Notice of Assignment from Largo saying through Phoenix Recoveries they owned my HSBC debt. Even though they didn't have my CCA as requested I still paid them monthly. Eventually they said the…
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New to site-day 1 of facing up to my debt crisis!!
Hi all :) As title suggests really , went online today to find i'm £500 into my overdraft already:mad: Totalled up all the debts which comes to a staggering 20k :eek: Now i thought it was bad but not that bad!! Got 2 cards on 0% and 2 which were charging interest so opened the new 22month int free one and transferred both…
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Arrangement to Pay on credit file with defaults
Sorry for posting another thread. I have just checked my credit file, and one of the creditors I thought I had a default with is actually an Arrangement to Pay. The Defaults are nearing 6 years, what happens with the Arrangement to Pay, and what is the best way to deal with it to get a clean slate?
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On a DMP - Will I pass Fit & Proper Test
Hi First time poster. I'm on a DMP which I've been on since 2008. In 2010 I left the public sector of a job in consultancy, and have recently applied for a new job with a large consultancy firm. I've been made a job offer, and in the paper that was sent through I've been asked to complete a Fit & Proper Test, and a…
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Should I stick with Debt Managment Plan
Hello folks - advice needed please I got into a bit of a mess 7 years ago after breaking up in a relationship. I ended up living on credit and amassed a debt of £12k. 4 defaults have come from this. I ended up taking a Plan up with Debtfree Helpline which seemed liked a way to get on top of things. From what I gather they…
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6 payments late...
I took out a loan with Welcome Finance in 2009. I was a student and having money issues. No payment has been made since 2009, however they haven't registered a default...on my credit file it just says 6 payments late. Is there anything I can do about this? Thanks Edit: I don't want them to register a default. 6 payments…
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bit of quick advice from someone in the know needed
I checked my credit report on equifax a week or so ago and it said i had only been on the electoral role from 2007-2010 when i havent moved house since. I called them and said i still lived here and still voted and they said they would correct it, as it was their mistake I checked my report today and it shows as below ;…
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SOA - Debt free wannabe
Here's my SOA. What depressing reading. I'm going to start chipping away at Mount Everest but my husband is really careless with money and sometimes it feels as though he is actually working against me. He's forever getting bank charges and our credit cards have gone rotten. I'm a SAHM but I make money selling things on…
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Paydayloan nightmare!!!
Basically after 9months off on long term sick with 6months pay I've gotten myself into a very bleak paydayloan nightmare and its snowballed beyond ALL control. I am in a situation where I'm paying off the PDL to take out another in the same day and then extending the other one. It is a completely horrendous situation that…
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Help!? New poster almost debt free needing advice!?
Hi, please bear with me I am new to this. I now only have 2282 outstanding debt with HSBC ( this is currently with jbdr) it is made up of a personal loan 1173 overdraft 592 and flexi loan 517. The letter I received from jbdr states the 2282. Is it possible that jbdr will accept payment for each debt rather than the whole…
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Someone trying to sue me for extortionate amounts
Right so I was responsible for cancelling someone's holiday tickets without their consent and they took me to court and I've always favoured an out of court settlement but claimant has never approached me prior to court. The cost of the tickets would be around £800, he is claiming £4,600. Half of what he's claiming for is…
