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Confused!
This morning, I received a letter from a DCA regarding an old Lloyds credit card debt that I thought was clear? Apparently they have contacted stepchange already but stepchange didnt say anything to me. This debt has confused me since day one, and hindsight has told me that I should have checked it out before now, but I…
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Water board bill
Hi guys wonder if you can help? I've just received a relatively large bill from the water board for my previous property. This bill was actually named on a DRO that I have been recently discharged from. They have asked me for a notice of discharge but I haven't had one and I'm under the impression that you don't get one.…
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Long time lurker
Hi All I am a long time lurker on this forum and have found all the advice invaluable I am just over £5000 in debt between loans and an overdraft:eek:. I am also a confessed spreadsheetaholic :D I have all my money worked out between now and the end of the year which shows me how much I can pay off each month and budget…
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Going alone- How difficult is it.Step Change - direct debt problems/cancelled my dpm.
Im at the point were im thinking it would be easier to go alone and arrange my own DMP. Since the start of the year Step Change has been difficult to work with. I ran through a new budget at the start of the year and added debt to the plan (I know I wasnt ment to take out more debt- but I did) Everything sorted! No Step…
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Small Claims from BW legal - help pls
Hi, I'm hoping you guys can point me in the right direction. Yesterday eve when I got home I found a lovely small claims court proceeedings document from BW legal/Lowells for debt I defaulted on after my divorce in 2010 (my own stupid fault I know). I have bought myself some time of late by sending out letters to prove if…
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Friday 21st February - what small DFW things will you do 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…
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Back with my tail between my legs :(
Hi all, We were doing great with our debts, I then had DS and he was very poorly, spent a long time in hospital and debts kind of fell by the side - it wasn't a priority. - Then Hubby had 2 nervous breakdowns in 18 months and gave up his job! since then we've been struggling. I've just gotten hold of the reins so to speak…
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Not sure what to do
Nevermind.......deleted.
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MBNA Debt
I have just defaulted on a credit card after 10 years, i will probably never get credit but at least i have a chance of paying it off. What do i do now will they still except payment? I'm worried about getting a CCJ as it will effect my job. How do i proceed, can i arrange a monthly payment?
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Which DMP do I choose??
Hello I really hope someone can help me as I am very confused! I got into a situation at the beginning of the year where payday loans and credit cards were out of control, to take control I decided to enter into a DMP with the company DFH - this is a fee taking company that takes fees off of your monthly payments to…
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CCJ threat 6 year old debt
hello I'm pretty new, hoping for help I have ignored all debts and associated correspondence etc for almost 6 years (ending June 2014), replied to nothing, today got notification of possible CCJ. Debt has been sold on several times since 2008. I'm unemployed, have no assets, no money. I've read that if a debt goes beyong 6…
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Debt Free Progress
Hi i am new to the site, I am currently in the process of getting debt free and am gonna use this as a progress thread and also see if there is any better advice i can get to help it go down We started of in April 2013 and I was just over 13.5 k in debt, I realised I needed to get rid of this, I decided to make a…
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CCJ will I get one?
Just wondering how likely is it to get a CCJ issued while in a DMP? Has anyone got 1? Also If I do and when the 6 years go past and it drops off do you have to declare it in forms etc?
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CCJ and redetermination
Hi all I really need some advice as I have checked the net and can't seem to find the answers I'm looking for. I have a CCJ ongoing for a debt from 2012 for nursery fees. I filled the forms in immediately and returned them to the claimant. Based on my income and expenditure I was only able to offer £10 per month which is…
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Settling Debts Early.
Hi. I owe 4 different creditors around £11000.00. The highest is to Natwest for a loan of £9000. I owe Barclays around £800 and the other 2 are for credit cards making up the remainder of the debt. Ive owed this money for about 6 years and I'm currently paying each one £1 a month. Ive been lucky enough to have a relative…
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DMP onto mortgage?
I want to borrow money on my mortgage to pay off all my debt, some of which is on a DMP. I have a mortgage with santander which is fixed until 02/2016 at 4.74%. Their variable rate right now is the same. My credit file is probably shocking because of the DMP, but my financial situation has improved by quite a bit since…
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trigger figures
Hi, IS anybody able to send me relatively up to date trigger figures? I have found some on here on a different thread but they are from 2008. Thanks in advance K
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Moving in with Partner whilst making token payments
Good afternoon, I am new to MSE but after being a lurker for a while I am hoping that someone may be able to offer some advice. I am currently a single parent to 2 young children. I have a lot of debt that I accrude whilst I was married to there dad. We seperated over 2 years ago and since that time I havent been able to…
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My SOA - Help!
Hi There :) I want to try and get my finances under wraps (and pay off my debts). At present, I seem to fritter away money and know that I could claw back. I've already identified some of the areas of my SOA that could be improved - e.g. no holiday, presents, clothes! My main purpose of this is to be able to pay off my…
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Debt free wannabe
Need a solution to get out of debt with credit cards
