-
Santander default - no response to letters
Hi people, i have written to Santander few times and have had no response whatsoever to my letter asking them to provide evidence of default by supplying original paperwork or removing it. This was default on current account. I'm annoyed now as i want to apply for a mortgage but they dont seem to be helpful. Any ideas on…
-
next directory lower payments=sign credit agreement
Hi all, I was wondering if you could give me some advice. I recently contacted Next to inform them that i was struggling to make Min payments at the moment and could they be reduced month or so. They were fantastic and took £35 off my monthly payments and also took all intrest and service charges off for 6 months. I…
-
help? sky in my name,i owe money but my ex should pay
got sky with an ex... he put it in my name for some reason...and all money came from his account..... we split, i moved out.. never even crossed my mind a bout sky since it never affected my bank account.... got letter today from a debt collector sayin i owe sky 40quid.... its in my name so i owe it... even though its my…
-
SOA, have i done this correctly?
Heres my SOA. Firstly i'd like opinions and questions as i have a good spreadsheet i track my finances on but ive had to put stuff like 'takeaways and meals out' into the entertainment section of the SOA. Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number…
-
Overdraft
Hi, I have had a huge overdraft (£1200) for a few years. I am finally getting myself sorted out and went into my bank (santander) yesterday and asked if i could cut my overdraft in half and reduce by £100 for next 6 months till its cleared. However, they wont let me reduce it. They say it has to be paid off in full. I know…
-
Help required on a default please! :)
Hi all, I have a question regarding a default that was placed on my credit history whilst at university. Basically, I defaulted on a credit card (£297) whilst at university in 2006 and after recently checking my experian credit report I am confused about the actual date of the default. On experian it says that the "default…
-
Newbie finally in a position to get debt-free...
I'm finally joining this section of the forum, because my partner has finally got a job! He has had several issues with unemployment since we've been together and has now not worked since November, but luckily he was just offered a part time job and starts on Monday. And it's the kind of fairly simple job that I'm pretty…
-
Petition for bankruptcy *UPDATE*
https://forums.moneysavingexpert.com/discussion/3916767 I posted the above thread regarding Final Demand Ltd, and the issues I was having coming to an arrangement for repayment. Fast forward a couple of weeks and I finally have success! As per the above post we were "awaiting a court date". They have then sent a letter to…
-
6 year debt rule - does it apply?
I have a retail business and lease a shop. My landlords recently told me that they have been incorrectly invoicing me for rent for over 6 years. I therefore have quite a large back rent bill to pay. Would i be correct to say that they are only entitled to recoup from me underpayment from the last 6 years?
-
BPO collections - Unknown debt?
Hi there This morning, I received a letter from BPO Collections, stating that I owe money to Glasgow City Council to the tune of £338.72 I haven't lived in Glasgow for almost 10 years, so it came as somewhat of a surprise to me. The letter reads as follows - Dear Sir/Madam. FORMAL NOTICE - PLEASE READ CAREFULLY BPO…
-
paying off debts..... can I save money ?
Hey there guys, due to sillyness Nearly 10 years ago now I'm still paying off my debts, I'm getting closer to finish them off. Due to moving house twice and needing to furnish plus 2k of vet bills we have payments coming mulator here and there, I'm saIe weekly and her monthly so things arm here and there. Now my question…
-
Trying to find the finance to buy a van for work
I feel like I'm banging my head against the wall, recently my vans gearbox went and I decided it was worth more than the van to get it fixed so I sold it at the auction, I was fairly busy and had to get a van very quickly so hired one from europcar for a month, I now have a period where work has slowed down and need to…
-
Where do I go from here? Advice please
A long story, try to make it as short as possible. Debt with Simply Be £1084.67, started DMP with Harrington Brookes back in 2005, paid religiously until Dec last year when I looked deeper into account (which I know I should have kept on top of, but I didnt:cool:) Simply Be had not frozen any charges so debt (after 6 years…
-
I hope someone can help me....
Hi, I am a married 31 year old with 2 cracking kids, a boy and a girl (3 and 6). I have a good job with good wages, nice 3 bedroom house and a decent car. We've been to florida 3 times, got a nice big 3d telly, nice climbing frame for the kids, yadda yadda yadda. But I'm miserable. All of the above is a mirage because of…
-
Friday 18th May 2012 What small DFW things will you do 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. :money: But once we have done the bigger stuff, we often feel that we are not making the same amount of…
-
Where to start....
Hi everyone, Im new so please be kind! I havent paid my credit cards, loans and other debts for at least 3 years. I was struggling with depression and in a bad relationship so I kind of got myself in a mess and buried my head in the sand. I bought my flat 3yrs ago. Its only shared ownership but I got on the ladder and at…
-
Is my limited company responsible for my personal debt?
Hi, I am currently in a debt management, trying to pay off about £20k in debt. I am also the director of my own company (I incorporated after I started my debt management program) of which I am primary shareholder. Could anyone advise as to whether my company profits can be held against my personal debt? Irene
-
struggling to know whats best to do
I'd really appreciate some advice on my current situation. My husband and I own a very small house which we live in with our 2 young children. Owing to asrtronmical debts we took out a second mortgage 5 years a go and are now in negative equity to the tune of approx £25k. We also have debts and credit cards of about £30k…
-
Do Experian reports mark your credit file?
I was about to request a free experian report before applying for a barclaycard and thought... Will this mark my file at all - making it less (or more?) likely I would be accepted? Banks love to know every seemingly pointless bit of information they can get their hands on and as a software developer myself I would log…
-
Wonga took 2 payments-refund help!
Hi this is my first ever post but hoping you can help me, i took out a wonga loan a few months ago, i later arranged a payment plan with them as my circumsances had changed. my repayment plan was for £200 in the first month and £19 every month after. iv just discovered today that when they took the £200 they took it out…
