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looking at a debt arrangement scheme
Hi ALl new here, after years of struggling due to my own bad choices, ive realised i cant cope! Im looking at a debt arrangement scheme but it seems too good to be true so i have it in my head it will never work. Has anyone any experience? Heres a SOA, the credit is all in my name, my husband hasnt had any part in running…
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Same cycle developing again
Hello All, Although my situation is by no means as bad as some on this forum, I would value comments please. Consolidated CC last year to a larghish loan 12500.00, but have found my credit cards have started building again. They hit 4000.00 so with a nasty nagging feeling I have just cleared them once again with some…
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Defaults x 3 & a CCJ ( I think) help needed
Hi, I sold my house to pay off all my defaulted accounts last year as I couldn't handle having them hanging over me any longer although I was in payment arrangements to clear them and was doing so no problem at all. I think we also had what is classed as a CCJ as it was logged on the registry to prevent me selling the…
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Mackenzie Hall chasing debt owed by old tenant.
Hi all, I've received quite a few letters addressed to someone else at my address (which I moved into in August 2011). They were all eventually being marked as 'Urgent', so I decided that maybe I should open one. It seems that they are chasing a previous tenant for money owed, but states on the letter that if I am not…
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Really need advice :Newbie
Hello all, Have posted before,but think i was in wrong place :o !! Basically i could really do with advice,hope someone can help! I have had debt problems for quite a few years,defaults ccj's etc..... all my own fault and stupidity.Hasn't helped with only being able to get part-time work,never having enough to pay…
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Unemployed and Nationwide have requested I pay back my £2000 overdraft
Delete this thread, plz
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Help, advice needed - Stuck on mortgage
Good Afternoon, I am seeking some insolvency advice. I was advised by the bank in 2007 to be named on a mortgage with my Mother as she was having financial difficulties but could not borrow sufficient funds to cover the debt in her sole name. I was advised to go ahead on the basis that i could easily be removed down the…
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Do you have a gift / present budget?
I recently got into a spot of bother with my budget and realised that often my personal spending goes out of the window when I buy presents for people. So I worked out how many people I buy for and how much I would like to aim to spend for each one and I realised that including the event in winter beginning with C (can't…
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Really need some help please...
I posted a thread in credit cards and was pointed in this direction.. I am really struggling to pay off my CC (2.8k), can I just pay off the card in One go (£2800) from my Current Account - I am minus-350 in that at the moment and have a £1500 overdraft plan. Can I concentrate on paying back the overdraft after using it to…
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Quick help needed with F&F's please!
Hi all! I am in the midst of making F&F offers to my creditors and have just received a letter this morning to say that the bank I owe the largest amount to has accepted my offer of just over 30% :j The letter states - "Upon receipt of your cleared payment, your account will be closed and your credit file updated to show…
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Debt Management plans
I entered a Debt management plan during my divorce. I have now sorted myself out enough to be able to afford to come out of this. Does any one know if this is possible?? I would however need a loan, which I am able to afford to repay, to clear the remaining existing debt but not sure if a bank would even consider me for…
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Anyone pay monthly to check credit report?
I know you get a free trial, would look to continue it for a couple months after so 4 months, 1 free, 3xaround £6.95 = £20.85 cost and i will most likely have numerous letters to send out to get my credit report looking as clean as possible. I could be buying as soon as a year away so im trying to get it cleaned out as…
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Debt out of control , please help
Hi , im after some advice. I am constantly in overdraft and when I pay off my credit card minimum I need to spend it again. I have debts of over 17,000 and I have never missed a repayment but I notice I hardly have any disposable income left. I have 11,000 left on my loan @ 297.00 per month and I have 2,550.00 Credit card,…
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Saturday 5th & Sunday 6th 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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dmp started but all's not well
After months of trying to get by, using c/c to buy shopping we finally started a dmp 3 months ago. The problem is - SANTANDER! of all the companies we owe these are the only one to refuse the payment. I know it's a big drop, I was paying £168 per month with only one year left to pay, They were offered £28 but they wont…
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New member needing advice
Okay about 3 and a half years ago my entire life fell apart, I was cheated out of my inheritance by my so called mother, had my entire family turned against me through her lies etc and this caused me to fall into a deep depression that resulted in the loss of my job and home. My partner was heavily pregnant at the time and…
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Fight / Pay / Consolidate my debt? Help needed urgently
Hi all, fingers crossed someone may be able to advise me on the next best step considering my complicated situation. To cut a rather long story short I currently owe £2500 on a Credit Card to HSBC @ 21.9% APR, £1050 to my HSBC overdraft which accrues its own unknown interest. Add to this some smaller personal debts, a…
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Nationwide CCJ help!
Hi, not posted in a while as all has been quiet on the DMP front... until now! I've been in DMP with Payplan for 16 months and at my review I upped payments from £101 to £120. Always paid on time. I owe £2300 approx on N'wide CC. They decided last Dec they wanted more than the £10.50 sorted out on DMP and offered f and f…
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Equifax new account problem
I recently tried to create a new account for equifax who i have never registered with before. I went through quidco and it took me a few times when entering my visa electron card to finally get through, but then i got this message: We have your information and you’re nearly finished in setting up your service. All we need…
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CapQuest Statutory Demand
Back in 2006 I made a purchase via interest free credit (can not remeber who the original creditor was). A few years later the creditor changed to Barclays Partner Finance. I made a few payments are required up to about 2008, when I lost my job and was forced to take a low paid seasonal job. During this time BPF were…
