-
Co-op cashminder holders - Upgrade
Hello, I was just wondering, as I get closer to finishing my DMP, I just wondered when the Co-op would allow me to upgrade my account to a standard one. Has anyone successfully upgraded? Thank you Susanna
-
Council tax bailiff again!
We set up an agreement which we couldnt stick to as the past few months have been just awful. Yes I know Im stupid after the great advice I received about the proble! Feel such a fool. Now have had another bailiff from same company yesterday, again we didnt open the door but this time he says the debt is £504. The debt was…
-
Rock and a hard place
Hi. I wondered if anyone could help me ? I have an overdraft with Lloyds of 2750 which is close to the limit, in fact it went over and I spoke to Lloyds and they removed the charges as it was the first time. I am on a low wage and my outgoings exceed my incomings. I have read other threads about how to cut down and claim…
-
Credit Scoring...
Hi all, Not sure if this is the right forum for this Q; I used to use this forum quite a lot when I was really struggling with debt...thankfully after 5+ years of scrimping and putting my life on hold I'm FINALLY back in the black (yay!) but I'm still having problems with my credit report. I NEVER want to take out another…
-
Councils warned on the use of bailiffs and their charges
http://www.lgo.org.uk/news/2012/nov/lgo-highlights-problems-bailiff-action-behalf-councils/
-
Debt: comes and kicks you up the a***!
Hello everyone... Together both OH and myself have just about managed to live and afford a holiday every couple of years, we have secured and unsecured loans/morgage - none of which are in arrears YET. OH has been rather weird of late (thought it might be another woman), things just didn't add up with his behaviour. His…
-
Reminder to all "Sealed pot Challenge" members
Hi all, it's that time of year again!! :j Count up day begins 29th November, so it's time to count your cash!! Whether it's a little or a lot, it's money YOU SAVED that would all possibly have been spent...so be so very proud of it!!! :T Please, just as soon as you can - come to the link below and pop your Total on. See…
-
On a DMP and desperately need a car
Dear All I am currently on a DMP, which I hope will end in December 2014 (as according to Payplan). At the current time, I have a lease car with work, and the contract is due to end in February 2013. At work, I am facing the prospect of being down graded, due to public sector pay cuts. The problem I have is that I am…
-
Wednesday 28th November - 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. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
-
Federal Management & Daniels Silverman
Posted this in the bankruptcy forum but its not getting any replies. Has anyone any experienceor knowledge of either of these companies?
-
Under 18 debt with Paypal is it affecting credit?!
If you got into a debt with paypal being under 18 can a debt collecting agency chase you for it? Thanks
-
stuck
Hey everyone. got myself a bit of a problem i have a barclaycard (22 months interest free) that i used to transfer some balances. that ive now cleared. But now thats all on there is my mams balances. Shes had debt problems of her own and has now set up a DMP with 123 debt recovery. now will this process affect my credit…
-
Cab do not stop making payments to creditors
Home was being repossessed. Council referred me to CAB as part of their rehoming strategy and that's when problems satisfying my creditors started. I had made arrangements with barclaycard, barclays and hmrc, who apart from Barclays were very reasonable. B/c a small payment each month to suit my pension credit payment, and…
-
finishing line in sight
hello all, I have been lurking on the boards a while but never really posted but have picked up some great tips fom you all so want to say thankyou! I had debts worth 5500 in july this yearand have managed to get those down to 2400 now and i hope to be debt free by april next year! I was very foolish with my spending on…
-
Why Repossess when negative equity
Hi Guys First Plus are basically going to force repossession of our home, we have a 2nd mortgage with them of £112k (including interest) we are in arrears of £50k. After a long time of them not worrying about payments, well they didnt chase them, we reclaimed a ppi which was taken off the total, since then they are after…
-
Premium bonds question to pay off debt?
I know this is probably in the wrong section but I wondered if the mods could leave it here as it is relevant to this section. (I don't like posting in the non debt section as they are a bit scary out there......:p) When my nan died, she left some premium bonds so my grandad cashed them in and bought me £1,000.00 worth. He…
-
Bailiffs at the door but not for me....
I have just had a bailiff at the door he was after my partners son, partners son is complete waste of space, and has run up many debts, welcome car finance. water, council tax etc. Partners son only lived with us briefly about 2 years ago for maybe 4 months. I told bailiff i didnt know who 'partners son' is never heard of…
-
credit card debt help
Hi all, I have read up on credit cards and am really unsure what is best for me ao would love some help. I have a hsbc credit card with £4500 worth of debt from my student days, I am unemployed and can't afford the payments, what is my best option? Thanks
-
MCS Collection Services
Hi, I hope someone can help me with this. I received a letter through my door this morning from MCS Collection Services addressed to my ex and myself at my home address, asking one of us to contact them. I know my ex has debts and (background story) he stayed with me for approximately 3 weeks whilst he waited for a Council…
-
Paid off provident!
Managed to make a payment of 104 pounds this morning.Yay one down, lots more to go. Feels good to have paid it off though :)
