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Lowell Group chasing a debt that isn't mine
Hello. I am new here and I wonder if anyone can give any advice? About 2 months ago I had a text message on my house phone asking for my maiden name (which I haven't used in 6 years) and askinge to call them back. I didn't know who they were so ignored it. A few weeks later I got another message but this time called them…
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App to log spending habits
Hi all I found a new app at the weekend which I wanted to share on here as I'm using it to try and track and cut down my spending and thought others might find it useful. Just to note, I have no link to the app and am not gaining from posting this, purely wanted to point it out to people to help. It's called "Way of Life"…
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Really need help ASAP please
In June 2001 our house was repossessed with an 11k shortfall. We heard nothing until 2007 when I made token payments not realising about the Council of Mortgage Lenders six years. I moved into temp accommodation around that time and had to stop payments. I told them why and gave them an email contact for me. I heard…
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Still struggling
Hi I haven't been on here for a while.....and again I seem to be just going round in circles with my debt and not sure where to start Cc1 £6,400 Cc2 £1,700 Od £1,300 I am actually trying to find a new job at the money and currently take home £1000 a month. My wages go into the account with the OD. Not sure where to start…
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Monday 17 November - 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…
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Defaulted on Loan - come into some money
Hi, I would be very grateful for any help people may be able to provide. As a student I (stupidly) took out a bank loan for my further qualification fees and could not keep up the repayments. I sought advice from CAB and defaulted on my loan. I managed to get a good bank account prior to this and luckily arranged a…
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I'm getting there :-)
Iv just made arrangements with an old ccj and made my first payment :-) It was only £50 off a £4000 debt but I'm happy it's a start and things starting to look up! Any other time I'd say oh il pay next month but I just done it :-) Partner starts his course tomorrow for a new job which I hope will start soon then I'm upping…
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What is the best way to pay these off?
Hi all, I have the following debts and want to know which one you recommend I pay extra to. I have used whatsthecost.com and it recommends I throw any extra at CC3 but doesn't take into acct. that CC4 will be off its 0.0% in two months. CC1 - $12,700 on 0.0% until 11/15 then 18.9% CC2 - $6,400 on 0.0% until 8/15, then…
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Varooma
Evening all, Does anyone have any experience with Varooma? I very stupidly got a loan with them last year and have just missed 2 payments. Yesterday they took my car. My arrears are under 500 but they want over a thousand for me to get my car back within 14 days. I asked if u could pay a smaller amount and then get back…
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Accounts With Defaults - which one to pay first
Hi All I am currently on a DMP due to debts of £12k. I used to be with a Debt management company but in the process of trying to go it alone. I am paying £150 per month towards the debts. I do have some spare cash left on some months which I'd like to use to pay them off. As you can see below 2 of the accounts dont have…
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DMP and Barclaycard.
Hi I've just joined this forum as I need a bit of advice and a general moan :) I started a DMP with Payplan in 2007 and at that time I had two Egg credit cards. The cards were then taken over by Barclaycard but I have never dealt with them directly. Last week I was contacted by Playplan to do my Annual Review and I emailed…
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Do you count mortgages...
..and secured loans as part of your 'debt free' plan to begin with, or start with the unsecured ones? Otherwise it does seem rather an insurmountable mountain?
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Time to Start Fresh!
Right, this is it. I'm facing up to things now. It's not easy, trying to keep on top of the budget with Husband and kids to feed and entertain. Hubby is very (very!!) laid back about money, which can be difficult as he always seems to have spent it before it has arrived. I did start this year quite well, piggybanking and…
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On a debt plan with Step Change, 1 creditor giving me hassle.
All, I require some advice. I almost fell into the trap of using Baines and Ernst, but a bit of research lead me here back in August, so I approached Step Change to sort out a debt management plan. I was made redundant a week before my Wife and I got married, so I voluntarily terminated the finance and handed back the car…
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Looking for debt advice
hi everyone so i have a quick question - i have debts to a total of £4700 - all are defaulted - totally defaulted - my score is 383 on experian - now i have gotten older i want to clear these debts off and was planning to save for 5 months to do this. i want to know about orders of paying them off- and i also seen that…
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dealing with old debt
I recently returned to the UK after living overseas for 8 years following separation and family health issues. Before leaving I 'did the right thing' I contacted my 3 credit card and 1 loan company and after long fought battles and many letters and phone calls they all agreed to stop interest and charges and accept £1 per…
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Trust Deed and PPI
Hello everyone, I have just joined this board to discuss my situation. I hope you are all well. I am currently 6 months into a trust deed and have just managed to receive £5558.34 back in PPI. My total debts going into the trust deed were £5925. I did not expect this PPI at all so it is obviously a windfall. My question…
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Saturday/Sunday 15th/16th November - what small DFW things will you do this weekend?
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…
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Thought this an interesting article
Hi everyone, Just read the following article ( not sure if link will work) and I thought it was really relevant to the experiences that many of us share on here - http://www.dailymail.co.uk/money/news/article-2832866/One-five-lie-partner-debt-says-Legal-General.html I think it shows just what a taboo subject money and debt…
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Umpteenth time lucky - desperate to shed the debt
Hi all! As you've probably gathered from the title, this isn't the first time I've tried to do something about my debt. Hopefully it'll be the last, but I've had numerous false starts in the past. It all started at the beginning of University, where the easy availability of interest-free overdrafts quickly got me my first…
