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DMP fee
I previously had a debt management plan with a company which charged a fee. I have now cancelled and gone with a free DMP company. Is it possible to reclaim the charges from the previous DMP? Thanks. Daniel.
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Commercial Buisness debt
Made this new account just to ask this quick question. I have a 3 year lease on a business property, i have defaulted and not paid rent for the last 12 months, ceased trading, i owe around 10k altogether for the whole term of the contract. Do to bad trading i have no assets no money no card no house ect , the landlord has…
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Tax credit overpayment debt
Hi there I have no idea where I stand on this and would really appreciate further advice. I received a letter in June last year saying that I had been overpayed tax credits in 2011 (I no longer receive TC). I have sent a written response to every letter asking for an explanation as to how this occurred and no one can give…
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Want to settle DMP early. Any advice?
Hello. I'm currently 4 years into a DMP which was originally £21000. My current estimated balance is £8450. I may now be in a position to get help from family to get rid of this DMP. I was wondering if Payplan were to negotiate settlement figures, realistically how much would I be looking at paying? Could this be less than…
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Lowell
I sent a F&F at the end of January which got declined but received a letter back stating they would accept an offer £17 higher so got the money together and phoned them this morning to only be told that it was not an offer of F&F and would be applied to my credit file as a partial seen as the difference was only £7 more to…
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Debt collection
A council tax debt of mine has been sold on to a collection agency. I wasnt aware this was going to happen. Should I have been informed by the council tax office that they were going to sell the debt on before they did so?, if so what can i do, as they didnt inform me prior to selling?
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Lowell/Lloyds help
Hi all and may I just say what a wonderful site. I'm looking forward to exploring and finding some money saving tips! I've been receiving letters in the last few months for a credit card debt with Lloyds that stands at just under £2000. Previous letters have said pay up or we may commence legal action/CCJ etc. The next one…
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Friday 14th 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…
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debt collection agency fredrickson
hi can someone please give me some advice, I have by my own fault not paid a credit card capital one, I have been passed onto these people fredrickson. What is the best advice on how to deal with this, if I ignore will they take me to court, if I contact them and offer a repayment plan, will they have to accept?? I would…
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DMP needs to be renegotiated
Annoyingly, my DMP was all but set up in the last two week. Payments had been agreed with Virgin CC, MBNA CC, both my Barclaycards and Sainsbury’s loan and I was just waiting for my Barclay’s current account (overdraft) and Credit Union to come on board. Well, the credit union flat out refused to engage with the process,…
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Thanks to you all!
I got a nasty letter today claiming I owe someone over £1000! EEK. Thanks to you guys I have then knowledge to send them a "prove it" letter... I'm waiting to see their response! I'm sure the end of the financial year has something to do with the timing of the letter, companies chucking names to unchased debts! Fingers…
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Buchanan Clark and Wells / UMS HELP :-(
Hi guys, sorry if I'm posting this in the wrong place but I really could do with some advice. Sorry in advance for the length of this. I've received several letters to my home address whilst at uni from Buchanan Clark and Wells, so I've only recently managed to open them. The final one (dated some time in January) states…
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You can write down everything you're supposed to.....
.....but in the end how do you stick to it. I am a budgeting extremist. I have SOAs coming out my ears, can tell you to the penny how much i have coming in and have gone as far as piggybanking so i have 22 bank accounts, all named with the monthly sections for everything but in the end, it never works out that way. I never…
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Debt and Adrenaline
Hi everyone, I just really wanted to introduce myself really. I'm a newcomer to this particular board (DFW), although I have been on-site for a while now. I have a massive amount of debt - I suppose massive is subjective and relative - it won't seem much to some and others would be :eek: lol. I buried my head but recently…
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Mortgage after Debt Arrangment Scheme
I am 2 months away from completing a Debt Arrangment scheme (DMP in Scotland) and wondered if anyone has any experience of getting credit after the fact? I don't mean credit in the way that got me into a mess in the first place, but credit in order to get a mortgage. I have some level of a deposit, but will anyone even…
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Do Stepchange require 'bank statements' and letters of incom
When doing a DMP with stepchange ? Do they require you to post your paper bank statements to them ? How many months back do they need ? What things do they require you to send them, in the post, outside the phonecall ? to be posted to them in the mail?
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Default on credit file, help needed
Hi to all of you,first of all can I say how good this site is,so much info and advice. Back to my problem. i have just found out that I have a default on my file, it was filed by either the Halifax BAnk or wescot DRA, the details are as follows , left my other half in 2008, was told by her that she'd closed our joint…
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Thursday 13th 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…
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overdraft to credit card?
hi not sure where to post this natwest agreed overdraft limit is £2400, and im upto £2000 charges at the moment are £30 a month plus £6 extra charge for something reading martins posts i could move the od to a 0% credit card and if not paid off in the time ive 0% i then move it again? is this how it works? i only work part…
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Discovered secret debt
Hi guys I'm not sure who else to tell so I thought I'd ask around here for some advice. Recently whilst using my mothers email for some admin I saw that she had loans with both wonga and quick quid. I was dismayed as I didn't know she was in this kind of situation due to her never mentioning anything about money troubles.…
