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Santander - Rather Unhelpful
Hi Folks, First time post so be gentle. I have been doing a little spring cleaning of late attempting to be a debt free wannabe. The trouble that I am having is that I have an overdraft on an account that I no longer use (£1150). I called last week to explain my current situation, went from working full time to part time…
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My SOA
Household Information[/b] Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1684 Partners monthly income after tax....... 0 (my wife doesnt work as she looks afte the children)…
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Bright oak dmc
Hello all, Just wondering if anyone has had any dealings with Bright Oak DMC. I believe they're based in or around the Cardiff area. I'm not thinking of using them myself, but am concerned that my work's union has issued a general email to all it's members in my workplace basically advertising & appearing to endorse this…
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Uniform Tax Rebate
As a debt free wannabe have been looking at claiming whatever I can. I work in the NHS and have to wear a uniform. I sent a letter to HMRC just over 3 weeks ago. Today received notification that my tax code has increased to 8340 and a cheque is in the post for 190.00 for previous years....result for the cost of a stamp :j
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Aqua/Blair Oliver and Scott/Lowell portfolio
Afternoon all. I had a debt with aqua card of around £470, this got passed onto BO&S which I managed to reduce to £235.73 paid over three installments. I came into a little money and made an initial payment of £155 leaving 2 of £40 and pence. Upon paying the next £40 I asked how this affected my balance, operator told me…
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debt help please
my mother is nearly 65 and she i have just found out is quite heavily in debt, well i want to help her, is it possible for me to act in her interests and have her debt written off, i read quite a lot of these debt written off ads and wonder if they are genuine I dont want to see her struggling to pay and I want to get as…
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Struggling
Hello everyone, My first post on here and I would love to be debt free but each month I seem to be spending on credit cards just to survive. My tax credits have gone down from £100/week to £30 and everything has been going pear shaped recently (car went kaput etc) Natwest have messed up my transfers and I've had to pay…
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Wednesday 19th September - What small DFW things will you do today?
Wednesday 19th September - What small DFW things will you be doing 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. But once we have done the bigger…
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Want to be debt free in less than 2 years!
I recently obtained my credit file and the score was 626. I am not really fussed about that. I had a whopping 38 closed accounts on there!! No defaults, no CCJs. On my existing credit agreements, I pay more than the minimum payments. About 10 or so years ago, I was in about £30k worth of unsecured debt :eek::eek::eek:. I…
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any advice on an update soa
Just looking for a fresh eye over it. A few months ago would have said i didnt have a clue where the excess was going but now, im down to knowing where every penny is, Wish i had done it before or i wouldnt have used the credit cards Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income…
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F&F Settlements and credit file
Long story short. I have 14500 left in DMP and pay around 250 per month. I have a nice pay rise and could save enough in 12 month to allow me to make a decent settlement offer. I keep paying 250 and we have 11500 left this time next year. I could have 70% to offer with the condition of credit file marked as settled.…
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credit rating effected by 6 payments late - HELP
Hi Everyone, This is my first post and I hope you can help. I got into financial difficulties in 2007 and employed a debt management company to help. They were great and I continued paying off my debts at lower rate. The one that is the problem is Black Horse - I have got the debt down to £1609 from £8000 however they have…
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Paying off debt but still recieving letters from other DCAs!!!!!
So, I'm paying off my Lloyds TSB credit card account at £100 per month, the original amount due was £1,613. I've recieved a letter today from CSSCOLLECT asking for full payment or installments of £1,500, but I'm already making payments towards the account to Mackenzie Hall. I called them to confirm this and they kept me on…
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Who to talk to about Debt Agency harrassment
Not sure if this is the correct place so bear with me. I am receiving chasing calls for someone unknown to me from debt collection agencies. I always get two calls from one company, tell them they have the wrong number and the name they have is unknown to me, then about a month later I get two more calls from a different…
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Advice needed please !
Statement of Affairs and Personal Balance Sheet :eek: Household Information Number of adults in household........... 1 Number of children in household......... 2 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 983 Partners monthly income after tax....... 0…
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Old debt, credit score and debt colecting agencies
Hi all, I am not sure if this has been posted in the correct place but here goes .... I had a mobile account that defaulted dating back to 2007. It went to debt collection agency who offered a reduced settlement figure to clear the debt. I paid this and thought that was that. I am in the process of trying to mend a badly…
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help!
I wish I'd found this forum sooner! I've had debts for over 2 years and haven't had the strength to face them and deal with them, but I've hit rock bottom and really need some help. It started when i was made redundant and was out of work for 4/5 months.... I'd spent all my redundancy money on paying rent and bills and was…
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Best way to speed up car finance
Last November I bought a car through part down payment, part finance. My monthly repayments are £128 a month with approximately another 3 years remaining. The thing is I want to pay this debt off as quicker than the timescale remaining and occasionally I have more than the required £128 available a month to do so each…
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Statement of Affairs
OK, here goes Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 2779.72 Partners monthly income after…
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Car Finance Advice?
Back in 2010 I bought an 07 Corsa on finance with Santander over 60 months. I know now that such a long term was a big mistake, but I needed car that was cheap on insurance, tax, fuel etc and I was in quite a badly paid job. I didn't have any money to buy a car outright. The monthly repayments are £176.54 and I have just…
