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joint dmp
Hi can anyone help? myself n hubby have seperate debt plans which charge,weve completed online plan with step change but heard nothing yet.do they just send out a pack ?
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Can StepChange change payment to creditor after they've taken my monthly payment?
Hello, I'll probably find out to the answer to this tomorrow morning when I ring StepChange, but I thought I'd post in case anyone knew the answer/has been in a similar situation. I'm on a DMP with StepChange. I've been having problems with one of my creditors due to the fact the payment SC allocate to them is so high.…
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PLEASE help, really need advice
For as long as I remember I have always struggled with money, or the lack of it. I took out loans/credit cards and finance deals which quickly spiralled out of control and ended up with my family and I entering an IVA. Currently 3yrs into the IVA a change of career, some desperate bad luck and huge house/car repair bills…
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Considering a consolidation loan
Folks The position is thus - I have three credit cards with a combined debt of £5,750 in addition to an overdraft of £1,000. It is all servicable however I am tired of living in it and it is costing me £95 per month to keep up all four forms of borrowing. Having budgeted out the next 6 months, I am confident my disposable…
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PAID debt sent to debt collectors
Hi, The company was Wage Day Advance and the loan was paid in May last year. I just got a notification through the post from them saying that it has been sold to debt collectors. Surely they aren't allowed to sell my paid debt and therefore my personal information when an account is paid in full?! Whats the best way to…
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urgent advice please
please can anyone give me some urgent advice please .natwest have just contacted me again saying they agree with the repayment plan agreed with stepchange. then they say can you send the old credit card back cut in 2 g the well when first starting the dmp with stepchange i was advised to destroy the card put through the…
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Debt Dissolver help
Hi I've had a plan with The Debt Dissolver for just over a year. Acouple of the recipients sent me mail last month saying they hadn't been paid so I forwarded these to The Debt Dissolver. Then this week, they sent me a letter saying that due to changes in legislation, they will no longer be able to manage my debts and I'll…
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Council Tax Default
Dear MSE forumites, I am looking for some advice on a council tax default from 2010. The story so far is that last may we had a visit from a court appointed bailiff from Rossendales claiming that we owed a total of £826.48 for unpaid council tax, this total included the bailiff fees. At the time of the first visit I was at…
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Defaults after 5 years?
Hi guys New here, just a very quick thread for some advice! Do defaults automatically drop off after 5 years if there's been no correspondence from the company who loaned the amount and the borrower? (Scotland) If it's almost been 5 years, is it best to just take a chance that they won't issue court proceedings and hope it…
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Outgoings
Just a quick one ... My friend is going to do an iva how does her partners income affect this as he has his own debt
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Welcome Finance - Repo & Court - HELP
Hi, I'm a newbie here, so very sorry if this is something that's been asked before. Lets start at the beginning. I purchased a 206CC from a dealer in April 2007 - only been a kid, I was naïve and it was on credit FOR £6,499. The finance was done by "WELCOME FINANCE" at 30.9% APR! I signed the agreement for 48 months and…
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CC summons for unknown aged debt
Hi all, I've simultaneously received a letter from a solicitor acting on behalf of "Arrow Global, Guernsey" advising me of a debt owed to MBNA Europe for about £650, and a county court summons from Northampton claiming the same debt. The letter gives no great detail, but does allude to a "discount" if I contact them to pay…
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urgent advice please
just had letter from natwest saying they accept payments from stepchange problem is they also asked for cards to be sent back cut in 2 but when first starting debt plan i was advised to shread the card which i did what should i do please.
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Debt free by my 40th birthday
Help, here's my story! I have gone from being a single mom with a good job a small mortgage and money in my pocket to being about £30,000 in debt and not knowing which way to turn. I won't bore you with the details but a bad relationship choice that resulted ind selling my house to buy a big one together, having to sell…
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Sat 15th Mar/Sun 16th Mar - What small DFW things will you do this wkend?
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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1 step forward, 2 steps back?
Hi guys, just feel like venting :( As some of you may know, my family have had a hell of a struggle over the past few years. It came to a head last year when we ended up selling anything that wasn't nailed down and entering a DRO. A number of weeks ago we were discharged and could finally say we were debt free.......or so…
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5 year old defaults been sold on and reregistered on my credit file as new defaults
Hi, I need some help and advice. I got myself into a financial mess several years ago. I have paid back all but 2 of my debts one lloydstsb loan and one lloydstsb credit card, they were defaulted in nov 11 and apr 11 respectively. I have tried to negotiate settlement figures and lloyds just wouldn't play ball. I have just…
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Debt advice please!!
Hi all, Well this is my situation. back in 2008 I entered into an IVA after struggling with my debts for a long time. I managed to run up debts totalling £28000 with Nat West bank. It started in 1999 when I was young and foolish and took out a small loan. When this loan was almost paid the bank offered me another to settle…
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Debts making me ill again
Was told to repost this ob this part of forum. Last year I finally started my recovery from severe depression, whilst I am not out of the woods yet I am getting there. Anyway, I started trying to get my finances back on track and clearing up my debts. I thought I was doing the correct thing and wrote to the Companies…
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Credit card person at door
I have an agreement with my credit card provider that I am only to be collected in writing, so that I have a paper record. But, today, a man came to the door shoving his mobile phone at me and telling me I have to talk to them. I refused, told him about the agreement and closed the door. He then started shouting through my…
