-
Debt Advice
Hi everybody I'm new posting here, although I have looked around the forums for a few weeks now. I'm looking for some advice... I currently have some debts to pay off - these include - 3 catalogues which amount to roughly £1200 for all 3 Council debt roughly £650 Monthly overdraft charges £30 plus payday loans that I can…
-
Sleepless week but taking control
Hi, I'm new but need somewhere to talk and seek advice! I don't want to go into everything in too much detail just yet but myself and my husband have been stupid with money for years and we are now feeling the strain. I've had an awful week of realisation and have felt so down it's untrue. My husband thinks I'm on the…
-
Gambling problems
Hi guys, Basically I admit I gave gambling problems, nothing too serious I think. But I like to bet on the football. I earn around £1100 a month. Outgoings come to £700 a month. I bet big, thats my problem. Like £200 a bet. I have taken a loan out from Wonga before, for £500. Mum paid it off. Took it out again. Mum paid it…
-
getting old ccj set aside , now have court date ??
Hello, Ive been lurking on the forum for a while now but i cannot find any information regarding this and would love some advice. the short version is - Earlier this year out of curiosity i wanted to see what my credit score was as i was looking at renting my first place using a letting agency . Good job i did as i…
-
DCA letter for Debt thats 6 years old
Yesterday I received a letter from Lowell DCA asking me to contact them regarding an outstanding debt of £1300 Orginal creditor Lloyds I can only assume (as I have not called them) that this is for an old joint account i held with my ex that would have been closed 2007 the latest. I know the amount was higher at one point…
-
Clearing some debts in full which ones and how?
Morning all, I have been lucky enough to recieve a sum of money which will pay off most of my debts.. I want to use the money wisely and to the best of my advantage so was hoping for some guidance please Firstly my main priority is to clear up my credit file as much as possible we would like to get a joint mortgage soon…
-
Greg Pennington
Hi there I am currently in a DMP with Greg pennington, sadly at the time I took the plan out I did not realize debt charities would do the same thing as them for free. They are putting the price of the DMP up from 1st november. I am pretty close to finishing my DMP with around 7 months left and have been given the option…
-
unknown debt from 10 years ago.. capquest
hi all.. i am a newbie at dealing with companies like this but previously had poor debt. ive now cleared all debt i know plus those listed on experian, equifax and callcredit. Capquest for the last 2 years have called me about a halifax debt from over 10 years ago (not listed on my credit files) that i know nothing of so i…
-
Daft question - how big is my overdraft?
Problem solved!
-
Make £10 a day Challenge for October 2013
[FONT="][threadbanner]box[/threadbanner] [/FONT]:hello: and welcome to all newbies and regulars. This is the 74th 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…
-
Jonathan Andrews Ltd - Debt Collectors/bailiffs
HELP NEEDED let me explain, I had run into financial difficulty and could not pay my supplier. My supplier instructed Jonathan Andrews Ltd to pursue me for £8237. I had received a few letters and phone calls from Jonathan Andrews Ltd they were asking for £10,782. They said the extra was costs nd interest. I disputed the…
-
1st Credit HELP!
Hi All, Im new to the board but have had a quick look around and this seems the best place to ask for help... I came home from work today to find a letter from a company called '1st Credit' . The letter states they are trying to contact me regarding a personal matter and asks for me to call to confirm my personal details.…
-
Reducing payment on ccj
I received a CCJ against me last year and have been paying it off monthly. There is about £900 left to pay. Due to situations beyond my control I may have to reduce the monthly payments by 60%. Does anyone know what might happen to me if I do this ? I am not trying to avoid any responsibilities just get through the next…
-
Putting a charge on someone elses property
Hi there, I am new to this forum and really hoping someone can help. I lent someone £5000 a few years ago and there was a signed agreement.I have been propmised the money for years and finally took the plunge and went through MCOL money claims online to try and get my money back. I have followed all guidelines and the…
-
Wescot and Arrow Global
I am trying to manage a Capital One CC Debt through Wescot now owned by Arrow Global Guernsey. I have made them an offer in proportion to all my other debts and I am waiting for a reply. Then I discovered that there are two company's with this name - one in Manchester which looks legitimate and then there is this article…
-
Don't know where to post.... Going from bad to worse
Hi, We've just been through our finances sorting everything out and struggling to get by. A LOT of stress for me at 35 weeks pregnant and then I get a letter through the door telling me my council tax payment (our ct benefit has stopped!) is £250 a month for the next 3!!!!! How can I afford that :( That's a 5th of our…
-
What to pay off first?
I have a question, I am working very hard to pay off my debts and have £500 a month that I would like to use to over pay my debts. I have one large loan with 3.5 years left to pay and 3 credit cards (all on over a year of 0% interest) What should I pay off first? I am thinking the loan as that is the biggest monthly…
-
Starting over
Hi, I don't know if any of you remember me, I was here last year to try to cut down on debts. Did many things to reduce costs, including sending my 2-year old to my parents for 10 months. I'm not really sure if i made any progress, i found it difficult to cut down on things. Now my daughter is back, and i've had to add…
-
Debt after death
Good morning, My father passed away recently and going through his paperwork I found the following : A loan from TSB which was defaulted and passed onto Wescot that he has been paying off. Balance £4000. A letter from TSB suggesting they had mis sold my father PPI - he was retired and on sickness benefit. A current account…
-
Sat/Sun, 28/29th September - What Small DFW Things Will You Be Doing This Week
When we start out on the Debt-Free Wannabe 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…
