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Please please help!
Hi all, I expect to get a real roasting from most people on here but i need your help i have been such a fool. I have got myself into a real mess with payday loans and now im trying to get my act together. My loans are with - Tooth fairy Payday Express Payday UK Mini credit Cheque Centre The first 4 i have got onto payment…
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Skip the country...leave the debt? Change of address?
So I've looked at my alternatives. I owe £40k to the banks (Natwest & Barclays); neither of them will come to the party with F&F settlement. I am leaving the country in 3 months' time. I have not paid them since January this year (a relatively short period no doubt for them to even consider f&f...but I tried!). At present,…
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whats the best plan of action????
I have now added my Overdraft to my signature, I had left it off before as didnt see a way of paying it off, as you can see from my signature I have been making extra payments to Argos and paid off my cc with a ppi payment, I am currently paying £50 a month in fees for this overdraft which is driving me mad!! I havent got…
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June cut spending challenge
suggestions on how to cut just £3 a day from spending in june,suggest what you could do and lets see if we can help each other make a plan and stick to it potential to save £90 in just 30 days :money:
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hassled for a debt i have no knowledge off
hey last week I have received a letter from capita insurance services. with the first line in red letters' legal notification of judgement warning £133.45' I goes on to say 'despite previously writing to you on several occasion regarding you bdml insurance policy..... who?? I have no idea what this is about, I have had NO…
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Random debt letter from ccscollect.co.uk
Hi everyone, hope this is the right place to post :) I have been out of the country for five years, i have a bank account in the uk, no credit card, no loans, no overdraft or any other current debts at all, nothing. But i did have, six to ten years ago. Then today i received a letter from ccscollect.co.uk Dear Mr ******…
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cannot find any options for cheaper rent
I work in London at the moment and spend £1200 a month for a pretty small 2 bed flat. Admittedly, I'm fairly centra and I have cut costs on transport by cycling to work. However, council tax is high, bills are £90 a month, etc. I need to cut costs to pay off some personal loans from before I started work and I need to save…
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More than I thought!! SHOCK!!
Just totalled up mine & my partners debts. I posted a couple of days ago that I was considering selling our house & clearing our debts with the capital (is that the right word?) I thought we owed about £30k with my debts & our joint debts. Just tallied it up...I owe £19300 (excluding a £5k student loan which I presume…
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Extension to Full and Final.
Hi I have a debt, one of many, that has been passed to numerous DCA's. I got home today to a letter offering me to pay a final settlement of £283.25, this is exactly 50% of the debt (£566.50). They want payment by 31/05 which I simply can't do. I am wondering if there is any chance that they will extend this offer if I…
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Ruthbridge - Debt recovery
Hi there, I have received 2 letters, one 17th of May and one 24th of May asking me to contact this company regarding a "personal matter" - The most recent saying they'll phone me over the next 5 days If I don't reply, i'm unsure how they've got my phone number, but i'm not sure that's relevant Now i've looked into it and…
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Charging Order help required
Hi, I need some urgent Help / Advice! I have just returned home from an Interim Charging Order hearing where the judge has granted a Full Charging Order to the claimants. A brief background: I bought 2 investment properties in 2007. Within months of purchase the area had become a 'no-go zone'. Due to a local gang all the…
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DMP and increase in income
Hello Hopefully in October when littlest goes to school we will have enough income to meet the minimum payments owed on our debts. So - does this mean that our DMP wills top and we'll go back to paying our creditors directly, (although we can only afford min payments not the arrears), or does it mean that we will just…
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little bit of advice needed please
Hi I have a dmp and have made payments, however one of the creditors has not been paid. I have spoken to the dmp and they told me they are aware of it and it's because it's changing from one (Metropolitan) to another (I'm not sure who) and I need a new reference number. Has anyone had this before? I know that they are…
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motormile finance
Hi, After some advice please just had a doorstep agent from motormile finance caught me unawares on my doorstep never received any calls or anything prior to this, The debt is for £3431.79 and the account date was for car finance for a car that was voluntary surrendered. they say on the letter the ccj was recorded on the…
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Overdraft advice needed
Hi, I have a Natwest account which is currently overdrawn by about £900; I am slowly paying this off each month but would like to pay it off quicker, because of the changes to Natwest overdraft charges coming in on 12 July. I don't know if it's best to apply for a 0% credit card and use that to pay the account off then pay…
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Need Assistance
Hello, Been a long time coming posting on here, looking for any tips or adivce from anyone thats been in the same situations as myself. Im 29 years old, have a partner and we have 2 kids together, however I currently stay with my parents as we cannt afford to live together as the debt I have accured over the last 5-8 years…
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F&F advice please
This is my first time here and love all the advice you guys give! My issue is I have a £4075 debt with Apex Credit Management Ltd. The have been hassling me for over 3 years now as I can only afford to pay £10 per month and they want me to pay more (of course) My friend has offered to give me some money to pay F&F payment…
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Help
Hi, Im 19 and am stuck in a £900 iverdraft, Im paying £30 a month in fees.. Whats the best thing to do.
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CCJ but creditor gone bust
Just a basic question, a creditor company who took out a CCJ on a debt they bought from my bank- which I have paid regularly and continued to pay. The creditor has now gone into administration and a solicitor is dealing with the creditors debt whilst in administration- does the CCJ still stand as it was between myself and…
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Wednesday 29th May - What small DFW things will you do today?
Wednesday 29th 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…
