-
Iva full and final offer
Not sure if this is in the right place, sorry if not! Currently in an iva and ive made a full and final payment offer of around 70% of the remaining. But my iva holders are refusing to arrange the meeting until they get payslips, which ordinarily I wouldn't mind but as a, I've just changed jobs to a lesser paid job and as…
-
Debt collection (marston)
Hi all Im currently trying to dig myself out of one particular debt for £715 . I emailed the company ( in a panic i must admit) and offered to pay £75 pw untill the debt is paid off. However last week due to problems but have however paid £150 yesterday to make up for it. Now they are threatening bailliff visits to seize…
-
In debt and need help
Hi everyone. I'm new to this site and have only just registered. I am really struggling with debt at the moment and really need some help / advice. I was recently made redundant which has had a massive impact. I am now back in work but have taken a £8000 pay cut. My debts are as follows: loan - £236 monthly payment loan -…
-
Debt with shop direct help please
Not sure if this the right place so please accept my apologies if not and please move to appropriate thread if possible thank you. I have an outstanding debt from very of £2419.24. I was paying very back however they were throwing chunks of interest on top resulting in my debt increasing and getting no were in clearing the…
-
Over pay credit card or loan?
Hello, I have recently cleared my lowest balance highest rate credit card. Yippee. I still have £2800 on a 0% credit card until Nov 2016 and a loan for a kitchen is 97.36 a month for another 18 months. This has an interest rate of about 5%. I can't over pay the kitchen but can request a settlement figure. Would you put…
-
Hi guys, any advice on threads to read?
I am having trouble finding any to answer two specific questions... My brother is owing about eighteen grand on four cards/loans/etc. He has been making small payments totalling £100 a month for three years. The debt is hardly disappearing at all. Half the debts are with debt collection companies. So... 1) What are the…
-
Should we open a joint current account?
Morning all! My wife and I are finally working together on our finances. We've always had our heads stuck firmly in the sand, and if I'm being honest I was never as forthcoming about the financial situation as I should have been. I told myself that it was because my wife stressed about the debt and that I was trying to…
-
Thursday 23 October - What small DFW things will you do today?
When we start out on the DFW 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 progress, when…
-
wonga
Has anyone had an email from wonga yet saying they are going to wipe off your debt and remove everything from your credit file? I had mine at 22.05 tonight is it good timing to get it just before stepchange make the payment :cool:
-
This really needs sorting
Hiya everyone, I posted a few years ago about needing to sort my debt out. But did not get to far. I now it needs sorting and the time has come to get it gone. I want to be debt free, I want to buy a home for me and my lb, I want to not have the worry hanging over me. I am currently a student and so I don't have a lot to…
-
CCA Request
I have requested a cca from a company how long do i have to wait for them to produce a copy. If they do not respond within the timeframe is there any follow up i need to take or do i just ignore them from now on.
-
Wescot collection letters
Hi All, Last week we visited my Father in Laws and he gave some letters address to my wife's name but it was posted my Father in laws address. upon open there were couple of letters all from Wescot. 1. Address verification 2. Instructed by British GAS to collect outstanding amount to collect in a previous address in We…
-
Debt letter from CCSCollect
Hi everyone, hope this is the right place to post :) I recieved the following letter from CCSCollect today: Dear Mr ****** Our client reference: **** Ccs reference:**** We are attempting to contact the above named person regarding a personal matter. Following investigation we have been provided with the address above as…
-
Latest SOA
Posted latest soa some figures incorrect will edit and repost
-
Losing weight x
I am cutting back and getting my money organised, and as part of this think that paying slimming clubs money can be one of the things to go. Is this a waste of money?! £20 to go on the scale. Is there a way to lose weight by yourself, after all it is you doing IT each week? Any tips or advice from anyone?
-
Bedroom tax
could someone please help? My council gave me a 2 bedroom property even though I only needed a 1 bedroom, I moved into the 2 bed and then 4 weeks later they sent me letters demanding that I pay bedroom tax. I then asked them to move me to a 1 bedroom property as I couldn't afford the extra money and they said they would…
-
Old debt resurfaced
My partner received a county court judgement against him regarding a solicitors bill for his divorce 7 years ago. He had never received the paperwork as the solicitors were using an old address. He has moved 3times in last 7 years but had always kept same contact phone number. First thing he knew about ccj was when he had…
-
Dispute with 1st Credit over everydayloans account
Hi all, I had a loan with everydayloans that fell into arrears in 2009. A few months ago I started being hassled by 1st Credit. I did a "prove it" and they sent some documents, however I think the address on them has been changed and they just don't quite look right even though they have my signature on. Also their sums…
-
Wednesday 22nd October - What small DFW things will you do today?
When we start out on the DFW 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 progress, when…
-
tv licence fine and bailiffs
long story but basically I had a letter hand delivered from a bailiff saying I had to pay £703 or they would come back to seize goods etc. I phoned the bailiff and he agreed to not visit until 31st so long as I paid in full on that day (payday!). I spoke to the court to see if I could pay them directly (hoping to avoid…
