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Coming out of an Arrangement to pay
Hi I have been paying my Barclaycard of as an AP, i am now in a better position so I can come out of it. Is this likley to pose a problem? Will they be happy for me to do so? Will this also enable future marks to be seen as satisfactory rather than AP? Anyone been in a similar situation? Any advice appreciated.
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Help with interest on DMP!
hi folks, I started a DMP 08/12. The total unsecured debt was £42,000 and i have been paying back £800.00 per month. It was done via payplan whom I rate as ok. Mint & Santander have frozen interest (£5.3k & £4krespectively). First Direct & Barclaycard charge 7% (£13.3 & £10k respectively) and Marbles (£9.4k) charge a…
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in need of some advice
my apologies if this is in the wrong forum. in 2008 I started seeing a guy who it later turned out had several CCJs in his name and a mortgage which later turned out to be unpaid so his house was repossessed. (not the issue) we moved into a house which was rented. I stayed for 3 months and left, I also informed the letting…
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I've been offer to have default removed
I contacted debt agency B who took over from Debt agency A over an old credit card debt. Debt agency B have agreed to remove a default off my record that agency A placed on in 2010. The email I have copied and pasted below: Further to the below email and our recent conversation, we are happy to confirm that on receipt of…
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Please respond quickly!!!!
Hi there.... Literally my first post, and it's because of what happened earlier today.... Some guy came knocking on my door, I was expecting a guest, so I just answered.... It turned out he was someone from Marstons group, and he claimed to have an arrest warrant out for my boyfriend who lives with me. Now, the first…
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New DCA chasing debt
Haven't been on here for a while, and as always I'm after advice :) I've got a debt outstanding that was with a DCA from October last year, I've been paying by standing order since then and haven't missed a payment, and I'm about halfway through the debt. Last week I had a letter about this debt from a different DCA,…
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Bank closing account & cancelling loan & C Cards
Hi, Please could you give me advice for my DH. He runs his own business (he is Joe Bloggs, trading as blah blah, if that helps) and has got himself into a right state with money. with Natwest he has: Business account Personal account Loan Credit card I don't know how many charges he has had or payments to the credit card…
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sticking to new budget
Hi everyone - I'm looking for some advice/tips that helped when you were starting out on this journey to get debt free.... I have a new shiny budget in place and planned out my repayments etc and am battling the " oh, I'll just get........" thinking I've read a lot of stories about how the spending is replaced with an…
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Debt with MKDP Llp?
Afternoon all. I am in the process of buying a house and applying for mortgages and as such thought it would be a good idea to get my credit report, which I did both through Experian and Equifax. To my surprise there appears to be a debt going back (default date) of 01/04/2008 for circa £1800. I googled MKDP Llp having not…
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~* Make £10 a day challenge June 2013 *~ everybody most welcome to join
:hello: and welcome to all newbies and regulars. This is the 70th month of this challenge, which was first started by Batgirl, in September 2007 Thanks to Batgirl for starting it, Nat21luv, Monkeynut, Sweetpeas, Purpleroses, JesaRose and MizMir for keeping the thread going. I know this first post is long, but please read…
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rebuilding credit, any advice?
Hello and happy Thursday one and all, I sometimes post on here, I read the forum. I find it a great help with the advice we all so gladly share with one another. I myself got into a money mess, and I'm climbing the ladder to get out of debt. It was £16,000, its now down to £10,000, I'm quite proud of myself for confronting…
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Distraught!!!
Hi everyone. I got some great advice on here a few months ago about shutting my creditors off my back for a few months in order to move in with my partner, and hopefully reduce costs and clear the debt. But oh-my-goodness you NEVER know what is round the corner. On Sunday evening my usually sweet, kind partner got super…
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Bit of Advice please...
Hi all I could do with a bit of advice as to how to proceed. Potted History: DCA Contacts me in April 2013 saying I owe to HSBC, (which was defaulted in 2006). I say statute barred,( FWIW: I have sent many many letters in the past asking them to prove the debt, but never received a reply). They say no, as I made a £400…
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Thursday 30th May - 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…
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Best thing to do? SOA
Okay so I'm not in huge debt by any means, but want to try and sort it so I can get out of a bad circle. I should not really be in any sort of debt due to my circumstances but things have happened recently and I now seem to be in a circle! I don't know the best way to get out of it... Owe.... Stupid Wonga... £552, Capital…
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Get appropriate compensation for poor customer service
I have been plagued by Lloyds TSB's total lack of capability to administer my accounts correctly since I entered into a debt Management plan in 2007. This week was the latest episode where, despite having cleared all my debt with Lloyds TSB by June of 2012, we received notification of a £5,000 debt which Lloyds Tsb where…
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Two years and counting....
Hi there I have started a diary before, but unfortunately didn't keep it up to date. I think it might have been because we didn't have much spare cash left over to pay off our debts :( However, we are due to come into some money in the next few weeks, so we are in a much better position now to overpay. At present we owe…
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Help needed with OD And loan repayment
Hi guys I was with natwest for 10 years but ended up in my overdraft . I got a loan off natwest to pay off the overdraft but then moved to the Halifax bank . I forgot to set up a dd to pay off the natwest Loan and I'm now in my natwest OD by £2600 . Natwest are now sending me letters . Is it a good idea to get a new loan…
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pay off OD
ok so i was on maternity leave and husband doesnt have job so endedup taking halifax od of 3000 topay rent bills etc.m back at work now and after paying off all bills and grocry travelling i am only left with 150-190 formonthlygrocery including baby pampers and milk. so now m wondering how to pay off this OD cuz i don have…
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DMP and gov 'Help To Buy' scheme...
Hi there :) I wasn't sure whether to post this in DFW or the mortgage forum? I'm just trying to find out if moving house whilst on a DMP is completely out of the question? We're outgrowing our 2 bed semi, but with 2 years still remaining on the DMP, I'm wondering if we can get a new build on a Help to Buy scheme for the…
