-
Old debt advice
Hi, about a year ago I started paying my old debt off! 3 of them all defaulted in 2008 so have all come off my credit report in the last few months! They are only about £800, £700 and £400! I have a direct debit set up each month to pay them off however am struggling to pay them now with me paying other debts which are a…
-
Bamboozled by debt free dates!
Hi all, Please can you help me. I got myself into a right pickle a few years ago with my then bank. I had two loans with them, an overdraft, and a credit card and simply couldn't afford my repayments. I approached the Citizens Advice Bureau, who were amazing, and came to an arrangement with my creditors that I would pay…
-
stressed out.
Hi great forum long time lurker not much of a poster but now I need some financial help please! capital one £300 apr 14.1% mbna £300 apr 26.4% next £400 apr 25.99% nationwide £950 apr 19.99% Santander £1400 apr 19.9% total £3350 I have the option of 0% until March 2015 on my mbna card which has a balance of £300 I am…
-
Credit report time frames
Hi I get a little confused with this so hope someone can help please? I get that an account drops off your credit report 6 years from the date of default. If however, something DIDNT default but was behind on payments, was then settled....when does it drop off? or doesnt it? do they think the account is still open?…
-
Distress warrant help needed
Hi guys I need some help regarding a letter I received today from the court issuing a distress warrant. So In December I received a fine from the courts for failure to pay tram fine, I contacted them and requested a payment card and offered to pay £10 a week, the woman said on this call 'what is your income because if we…
-
Should I close my account
Well my first payday coming to terms with my debts has come round and as you will see from my signature I have just cleared off one of my credit card balances. What I really want to know is peoples views on if I should now close this? I currently have no emergency fund and therefore I am thinking of keeping the account…
-
C.A.R.S Love Film problem
UPDATE: I couldn't see a way of deleting this post, but after phoning Amazon it turns out they cancelled my account (although it still let me update the details etc last week) and so I need to post back the two discs I still have and then C.A.R.S will leave me alone! Hi, I couldn't work out where would be best to post this…
-
Help please
Hi I currently have a trust deed in place but with 3 three young kids I am really struggling - however I received a letter from sheriff officer going to arrest my wages for last year balance of council tax - I contacted then this morning and offered £10 a week to clear which was declined - I asked what the minimum they…
-
DEBT Company won't accept my offer
I have a sofa on credit with Creation Consumer Finance. The balance remaining is £590.96. I was unable to continue with the monthly payment of £42 as I was separated from my husband and struggling financially after 8 months off work with a hand injury. Depsite me writing to the company and offering a monthly payment of £5,…
-
overpayment calculator
hi all, i remember looking here a few years ago and seeing a website whereby you enter your current balance on a card for example, plus your APR and your current payment and it showed how long it would take to clear the debt, then it let you play around by adding in over payments etc and it then recalculated how long it…
-
Scotcall help please
Hi, I've just come across a letter in the drawer dated November 2013 about a debt in my husbands name for £150 and they were offering him a discount of 50% if we paid it in one go within 30 days. Just rang them now to see if the offer is still available as I'd like to pay but but obviously because of data protection they…
-
Want to be debt free- where shall I start?
Hi all, I am new so please be kind. I will shortly be receiving a lump sum of approx £10-15k from the will of a close family member. I want to use some (or all) of this to clear my debts but not sure who or what I should pay off in full or begin to clear first. Natwest CC- £2090 (pay min amount approx £50) Egg CC(now…
-
Secondary LBM?
Hi all, Firstly I cannot thank all you amazing people for your support, advice and help over the last four months. I also can't believe how much I have changed in my attitude to money. My big LBM was horrendous, it took me literally weeks to get rid of the sick feeling inside. I had another realisation a month ago (not…
-
Thursday 27th Feb - What small DFW things will you be doing today?
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…
-
PCN and newlyn bailiffs
I'm a single mum of two very young children, my ex husband put his car in my name as he had a lot of debt and didn't want his car to get seized. BIG mistake on my part for letting him because now I have bailiffs at my door demanding I pay £497 in local authority parking fines. I've lost my job and claim JSA I went through…
-
struggling
hi help and advice required please i currently have £2437 debt comprising £600 od £700 credit card 887 argos card and £250 loan from my mum towards a car problem is my only income is £228 per week min wage from which i pay £121 rent £20 petrol abt £10 work lunch £40-50/m phone £14m mobile then £514 per year tax insurance…
-
Switching from fee-paying DMP to self-managed
Hi Everyone, I've been on a DMP with Baines and Ernst for just over a year now, they charge a management fee of £41 a month. They were a real help to me last year when I was in a very bad place financially and had multiple creditors to deal with. Now, a year on, I've got a job with a decent salary (20K) and have paid off 3…
-
struggling
hi help and advice required please i currently have £2437 debt comprising £600 od £700 credit card 887 argos card and £250 loan from my mum towards a car problem is my only income is £228 per week min wage from which i pay £121 rent £20 petrol abt £10 work lunch £40-50/m phone £14m mobile then £514 per year tax insurance…
-
Combatting a DCA
Ok I received a letter from Cabot Financial late last year regarding a current account overdraft debt, which I disagreed with as I closed my account and did not have an overdraft facility to the amount they are charging me with! In any event, Cabot Financial wrote to me. I responded via e-mail to them on 31/12/2013. I…
-
Paying creditors differently - any experiences?
Hi Mentioned this on another thread, but perhaps could do with it's own post, as it's a specific question. If you have a number of different creditors (e.g. cards) how might it go if you could afford to pay some, but not all? e.g. you pay all fine, apart from one/two of the cards? Please, would be grateful for any views,…
