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Bank of Scotland overdraft
So Bank of Scotland just informed me that they are cancelling my overdraft. It's £750, I get paid weekly and if they do that I won't be able to pay rent etc. They told me some nonsense about a money management team to call but I'm thinking they will just try and get me to have a loan. Any help would be amazing!
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Waiting on a phonecall from PayPlan - What are they like?
Waiting on a phonecall from PayPlan - payplan (dot) com Have anybody got any stories? They look quite helpful on the website? I remember reading a thread about them a while ago and i think most of the stories were positive, I was just wondering if this is still the case?
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Consolidating Debts
Hi I have approx 3400 in three bad credit credit cards and numerous catalogues (littlewoods, very, jd williams, simply be). I have dreadful credit due to a bad relationship, losing my job and struggling for a few years. I am now working full time and have an income of approximately 1600 a month including benefits. I added…
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Wow, default notice from First Direct after 6 days...
...late with payment! Is this usual? I entered the DMP, which started on 1st April. My payment was due on 1st too for the loan. Never been late with a payment previously. I hold my current account along with the loan from First Direct but have opened a Co-op Cashminder account as advised. They said they'd be closing my…
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Debt Collection? Clarity Credit Management
Hi, Apologies if this is in the wrong section, but I hope someone can offer some advice. I've had three emails from a company called ecollections@claritycreditmanagement.co.uk trying to chase a debt from BSKYB for £33.16. I did originally get a letter from Sky about a cancelled subscription, which when I phoned up about…
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Making an offer to part pay dmp??
My husband has been made redundant. He gets a settlement of approx 5k. We have 19k left outstanding on our dmp. Is it worth offering this as a final payment or do we hold onto it so we know we can pay a lump sum at the end? Feeling very confused at the minute. L2B.x
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Retired and in trouble - Help!!!
I am mid 70s years old and have recently run away from my partner (3 years older than me) after 8 years of living together because of his increasing dependence on debts and mis-management of our finances. We moved in together 8 years ago and relocated down the coast. He seemed very charming, elegant, caring and fun to be…
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TSB & Links to Halifax/LBG
I setup a TSB account approx 6 weeks ago. I have existing defaults with Halifax, but know Lloyds was splitting and being run as a separate bank - however, on the Lloyds Banking Group site, TSB are listed. Do Halifax have a right to offset? I know Lloyds can, but unsure about TSB, during this interim/pre-sale period.
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Bristow and Sutor
Good Afternoon!! I am hoping someone can point me in the right direction. I had arrears from my council tax. Had a letter from the above posted through my door. Called them up set up a payment plan. (The amount was far more then the actual council tax arrears). Split this up into three months. Paid the 2 months but forgot…
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Debt Collection, Can anybody help?
Hello Im stuck in a very stupid and complicated council tax situation. Last April i went self employed this made my council tax and housing benefit situation complicated. I was told to do a benefit review in October. But i didnt do as well as i thought so couldnt pay my council tax. In the August I got a final demand so i…
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Debt recovery for someone who doesn't live at this address
I've lived in my current house for five months and letters still occasionally come through for someone who lived here before. I return them to the sender but I've started checking the return address now to see what they might be as I'm a bit concerned. One came today with a return postcode only, when I Googled it it's some…
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Debt Free Wannabe - unsure of where to start
Hi all I've been reading the posts on here for a few weeks now and they've both inspired and encouraged me to a)post on here and b)confront my current situation. Apologies as this will probably turn out to be a long post, thank you in advance for reading! Past I started working at the age of 17 (2007) on a rather basic…
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Reducing DMP payment - successful?
Hi, I've just come across this forum and thought I would ask if anyone here has successfully reduced their monthly payment to their DMP? I managed to squirrel away some money which I was hoping to use as settlement payments but I have had to use this money for paying my DMP. Although paying, I am struggling to meet the…
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What small DFW things will you do today? Mon 7th April
DUPLICATE POST!! Ziggy & I obviously had the same idea at the same time & now I can't work out how to delete this one, so please ignore it & reply to the other one! Cheers, f x
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Monday 7th April - 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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Money seems to just dissapear
Hi guys, Right so i'm reasonably well off, in the grander sense. I work full time and get (after tax) £1130 per month I have three children and therefore get in tax credits and child benefit another £1000 or just above. In all i have over £2100 coming in every month. My bills, as far as i can work them, leave me with, and…
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Can anybody advise me...it's complicated :-(
Hi everyone, Im unsure if this is the right place to ask for help..but I'll try. I will tell you all my story - & hopefully you can pick out where I need help. I used to be a successful Office Manager back in 2002 for a large well known national firm. I then got married also in 2002 (it was an arranged marriage) to a man…
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Would you/have you taken a second job?
I have the opportunity to apply for a Sunday job doing something related to my hobby. I already work Monday-Friday full time plus a half day on a Saturday every three weeks. I'm torn between the thought of the extra income and the thought of giving up that free day. I'm not in a desperate situation but it would bring my…
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Help needed!!
I feel really stupid for getting myself into this situation but i think im in over my head. Last year I took out a payday loan with Wonga (silly i know but had no other option) to cover expenses of moving house. This escalated into £1200 which i am now repaying off monthly. I have about £700 of that left. Now to cover a…
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Interest query
Hi, Hoping you can help with my query. I have recently found out that after six years debts are removed from a credit file and you cannot be chased for them - although they still exist. What I'm trying to establish is if after that six years has passed and I then start to pay even a minimal amount to try and start reducing…
