-
Marstons. HELP!!!!!!!
Today my hubby received a letter from marstons saying as there's been no payment arrangement been made that they are going to report it to the local authorities recommending that they make an application to the magistrates court for a hearing to consider committal to prison and that we have 7 days from the date of the…
-
End of my tether
Hi all, I am reaching near the end of my tether, every single month i'm chasing my backside, paying roughly £100 charges every month to the bank for going overdrawn, (on top of overdraft interest) I recently had the bank ringing me up threatening to end my overdraft if I didn't "get my act together" , I've got a £500…
-
Debt consolidation
Hi, First post! I've been up and down with payday loans (I know, I know...) and currently very, very down. It's not a massive debt but its very cyclical and i'm fed up of giving these sharks my hard earned money sinking further into what I call "soft debt" (pays off every month, but need to take more out to service the…
-
Reston solictors - Court Claim
Hi Everyone, Hope this is the right place to post, just after some advise if someone would be so kind. I received a debt letter from Marlin Debt collectors about 8 months ago, informing me that I owed them just of £5,000 orginally owed to NRAM in 2006. I do not recall this debt and contacted the company for further…
-
Slightly Terrified Newbie
Hi all, I'm Jen. This post is my tentative first step in to finally conquering my 'money phobia'. This year I'm coming up to my 33rd birthday, and my 15th Anniversary of being with my husband, but it recently hit me that I'm still acting like a teenager when it comes to my money. It's not that I'm in danger of going under,…
-
Mortgage Debt Problems Please Help!!
Hi! I'm new here (please be nice) and seeking some advice for my mum. This is a bit of a long story so please bare with me. My mum is really struggling at the moment to pay her mortgage. She is joint owner with my dad (but they are separated) he no longer pays his share of the mortgage and has now left the country. The…
-
Adding Interest to an already defaulted debt
Hi there. First time posting so please be gentle! I have an outstanding default with a well known debt collector for £1150 which I regrettably ignored for too long. 3 months ago, a pack arrives from Northampton County Court advising me that a solicitors firm working on behalf of said debt agency is seeking a CCJ for nearly…
-
NRAM Help
Our house is going to be repossessed by NRAM, it up for sale but has not had any offers, its valued at £110,000. We have a together mortgage £112,000 secures and £11,000 unsecured.......fingers crossed it sells! Once it has been repossessed, I assume NRAM will sell ASAP, then contact us to negotiate a repayment schedule.…
-
Consolidated my debts
Long time lurker of these forums I've not posted for years, thought I'd come on and share some thoughts.... I'll start by saying I'm 28 and have lived either at home or for a nominal rent forever, but have always ran unsecured credit to a high level since I was 19...stupid I know. I've just consolidated a loan (which…
-
Online Banking Systems
I have always had bank accounts with Natwest as that's the bank that was in the village I grew up in. I also have a Nationwide savings account that my parents set up for me for them to pay into when i was a child. Natwest online banking is fine, and nationwide is a bit of a pain, but mainly because i can never remember my…
-
Tuesday 18th March - 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…
-
Partners Debts
Hi all.. New to the forums and have a question to ask. In short ive found out my partner is receiving letters from debt companies for money she owes. I knew there was an outstanding debt that was being paid off about 2yrs ago for about £300...but the most recent letter i stumbled across is stating nearly £2000. I know…
-
The big debt debate
Just watching the debate on channel 5 and they carried out a survey on unsecured debt. Apparently 50% of people owe less than £1000!!! wow. I owed over 30K at my worst Is my highest level of debt really so unusual?
-
Oops I did it again...
I am on a DMP. There's not much money left over for extras. So I was silly and got a payday loan out. There's no option to get a credit card, because I have such a bad credit rating. Then I had a huge phone bill £92, and a huge mobile bill for £70 odd pound because I was being charged for delivery reports (!) and (for some…
-
paying off credit card
evening all Just a quick question i have 4K saved way in a save to buy account with the nationwide. i also have £1700 credit card i need to pay off. would i be better paying it off now giving i still have about 12 months left 0% or stick with it get it as low as i can and then pay it off using the money in the save to buy…
-
A DIY DMP after problem with StepChange
I was on a DMP with StepChange, but after talking to them today I've got no choice other than to go it alone. The amount they've been allocating to a CC creditor is so high that they're now adding interest plus a fee for not making the minimum payment, and the balance is just going to keep going up not down. The creditor…
-
Ikano?
I wonder if anyone can help please. We received a letter recently, addressed my step-daughter, in her name, but our address, from a company called Ikano. The letter basically said she was due £197 on a storecard and the debt had been passed to a company called Lowell. To cut a long story short, my S-D has an abysmal credit…
-
A Quick Question...
Hi all, Only looking for a quick bit of advice. Back in 2007 I took a Welcome Finance loan (stupid, I know) and was made redundant not long after, so was unable to pay them. Surprisingly I have not heard anything from them although it was obviously recorded on my credit profile. I have learned much since then and my credit…
-
NRAM full and final
Hi All Has anyone had any success of full and final offers with NRAM? It says on my credit file settled so I presume the debt has been sold. I defaulted in 2009 when my house was repossessed. It was the together mortgage. Both debts on credit file say settled. The mortgage shortfall was £110,000 and the unsecured loan was…
-
Help Needed - any advice appreciated
Hi there, This is my very first post and I would be most grateful of any contructive feedback. Myself and my husband are in our early twenties and have recently moved back home so that we can sort out our financial situation. We pay only £80 a month between us in rent as we are living with family. I have completed our SOA:…
