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Debt management plan
I have decided its time to get my debts in order, I have 9k debt and am currently not working due to illness, I don't really know where to start. My question is, can anybody recommend a decent DMP company? There is so many of them I just don't know who to choose. Thanks
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Jacobs Bailiffs - need help urgently!
Hello i really need some advice about jacobs bailiffs. Me and mypartner fell in areas with our council tax over couple years. We always paid iton time but since my partner lost his job we started to struggle a lot. thedebt was passes to jacobs bailiffs. wereceived letter from them saying that they would set up a monthly…
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Desperate to clear Santander debt
Hi everyone! Any advice would be gratefully appreciated - i am just in the process of applying for a mortgage and have run into difficulties as i have an outstanding CCJ from a couple of years ago which i got into through difficulties with Topshop/Santander cards. Anyway, have been told that i need to pay this off ASAP…
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Pension v Debt payment
Hi I just wondered what people's opinion was with my pension contributions. Basically if I opt out of my pension I can put this to my dmp and be out of debt by sept 2013. Would this be a good idea or would the lack of contribution for 16 months cause issues when I retire. (if ever!!) I'm 32 atm. Thanks for any advice.
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Can you get more than one DRO?
I was granted a DRO in 2009 after giving up work to care for my Mother. It would appear I forgot to include one of my debts in this DRO and they are now pursuing me for payment. I did write to the previous company (Mercantile Data Bureau Ltd), in 2011, explaining my DRO and the fact that I now live on Carers Allowance. I…
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Paying off Payplan debt - Advice needed
Hello everyone We have £33000 left to pay Payplan on DMP with 9 years to go. We have been on it just over 6 years now and not missed any payments. We have been given £20000 to put towards this debt and wonder if any of you can tell me if any of you have had success in paying off DMP's with a reduced payment. This is after…
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Advice on debts to pay
Hi, I am new to MSE and am looking to pay off remaining debt and also keeps costs to a minimum. I attach my SOA, the internet, tv and phone is all put in the TV section. We only have one car (company car) between us and no children. We are both 30 and would likes kids in the next couple of years and want to be debt free…
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Lloyds tsb
i have a bank account with lloyds tsb since 2009 but i got 3k overdraft last year 0ct and i got a letter that my account will be closed within 60days,which means i must repay d overdraft. i used my account very well because after my wages and direct debit,i got money from my parent from nigeria every month in which i put…
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Debt from 9 or 10 years ago, is this valid?
Recently recieved a letter from a company by the name of Buchanan Clark & Wells acting for a company called Aktiv Kapital UK Limited. They claim I owe GE Capital Bank Ltd - DIXONS BUDGET the sum of £1,421.00p. It's true that around 10 or 12 years ago I bought a fax machine from Dixons in Southampton, the cost of the fax…
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Getting my debt sorted!
Hello everyone, ive been visiting this site for years and have now decided to properly get my debt sorted and cleared! Recently been promoted meaning more spare money every month and the past few months have enabled me to put decent amounts of money towards my debts. I am soo determined to get rid of the below debt and…
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What happens when you're a stay at home mum and can't pay debts?
I'm a SAHM, other half works and earns around £2200 a month, more when he gets overtime. OH gives me £1000 to pay mortgage and some of the bills. However about £500 is paid towards my credit card bills each month, mostly interest, and with everything going up and more to pay I don't think I can manage this any more. I do…
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Default Dates
Hi all, A quick background: I entered a DMP plan back in 2007. I had 3 accounts with Lloyds. Two of these accounts they defaulted in 2010 (3 years later) and one in 2011 (4 years later). I felt this was unfair and wrote to them saying this and quoting the information commissions report that somebody who has attempted to…
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HELP : Gas and electric bill demands
Hi, I am struggling to pay my bills including Gas and Electricity. What they are asking as a repayment per month I just do not have. Where can I go from here as I am knocking my head against a brick wall and I am tired of the door collections appearing at my door every other month or so. Thanks in advanceLooking forward to…
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Mackenzie spawl and cabot
A nice couple of conversations with Mackenziehall. seems 6 years it is! Dear Stefan, Thank you for the lack clarity in regards thresholds. Ilook forward to a healthy email exchange on my return to China. I havepreviously informed you of my contact details. Kind regards ME I have noted your comments on your account, but as…
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If all cc are in default can I still request cca?
Hello all, I lost my job in 2010, signed on for JSA that did not pay interest on the mortgage, had to fight to get council tax relief wich was only for six months. Came off and tooka part time job and started a part time teaching course as I could not get the finance for FT. As funds is a current ghost I have been unable…
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Rainy Day funds vs paying off debts
Hi I just posted on another thread about our debts - we currently have about £38000 debts reduced from £65000. I have a rainy day fund of around £5000. Everything I have read on here points to using this to pay towards debts, but because our credit cards have been closed etc and we couldn't get any other credit, is this…
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Reducing debt slowly - any tips to speed it up?
Hi This is my first post here although have spent lots of time reading and lurking. Basically, my husband and I got ourselves into a lot of debt about 6-7 years ago when he lost his job. Before then, our debt had been managable but after that point we ended up doing the worst possibly thing and using credit to pay debts…
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Weight off my back, but still not feeling 100% ...
Finally went through my expenditure forms with CCCS yesterday, Will be paying back £809 a month on my £54,800 worth of debts. It's a great feeling to know that as of 1st July it's all in order and the ball will be rolling. Yet I still can't relax, it's affecting everything! I can't sleep, eat properly, or even think! I…
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In need of inspiration and motivation
After months of plodding on, finally added up our debts. I have done a snowball, and the repayments are realistic, and so long as we don't slip into old ways, should be debt free in 34 months. Well that's what it says on the screen, in reality I'm not so sure. We've tried to set ourselves a realistic monthly budget, and…
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Which is best, Quidco or Top Cash Back
Hello :wave: I've joined up to both Quidco and Top Cash Back and have made my first purchase through Quidco but have just realised that Quidco take the first £5 of the cash back you make, however Top Cash Back don't appear to have high percentages of cash back on the items I want. Which one is the best to use? Thanks Money…
