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Capital one Debt help needed
Good morning all, (hope this is the right place to post) I am currently in debt with capital one i owe £930 pound they have sent me a letter with a payment plan which is what i want too do. I am claiming JSA at the current time an have a low income , so i wanna feel out this form an offer a minimum payment until i get my…
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Old Beneficial Finance loan
I took out a loan in about 2006 with "Beneficial Finance" which I believe is/was part of HSBC. I remember at the time is was all very sales-y and "the best thing for me to do etc..". The idea was for it to be a kind of consolidation - which it was at the time. As with everything else, it went very wrong and its the one…
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Tue 3rd Feb - What small DFW things will you be doing 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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Debt management company not made some payments
Hope someone here can help. October 2013 I took out a loan of 10k to consolidate my debts. Few months later a company called Restart Financial called and said they could help reduce my payments and stop my interest on the loan by putting me on a DMP. I signed up thinking great, and ever since ive had nothing but problems.…
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Newbie and a spendaholic overeating carer!
Hi everyone newbie here!!! Well I have been lurking for last couple of days and decided to take the plunge and open an account, I am highly in debt because I am a spendaholic overeating part time carer with a child and just found out another one is on their way! I basically have had enough, I waste money, we waste money as…
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Old wonga loan closed on credit file....but reappears under DCA
Hi all, newbie here so hope this is in the right place, I would like a bit of help to see if I can get this removed from my credit file, I had an old loan from wonga in 2011 which I thought had been wrote off because of the bill that came into force a couple years ago, it was closed in 2013 but in my credit report it is…
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first post hoping someone can help me
hi not sure this is in the right place but here goes i have several catalogs either empty or with a few hundred on one has a 5k limit but 600 spending on it if i close all the empty accounts will the credit go to be available elsewhere and does the same apply to if i called to ask the credit limit to be lowed would that…
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CREDIT EXPERT - Experian
Hi All, I have been looking at my credit report with Experian, I know since being on here that lenders don't generally use the information but I am curious as to what is on there. My husband and I cleared our credit cards in December, does anyone know how often this information gets updated? It is still showing that we owe…
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Mortgage nearly paid, But.
Hi any advice would be appreciated, my mortgage is going to be hopefully paid off this year, which would give me £100 per month extra. I also have other un-secured debt which 4 to be exact, which I have been making token payments with help of National Debt-line and have no ccjs and have constantly been sending payments and…
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Rossendales
Hello all, wonder if I could get some advice please, I have £220 left to pay in council tax for 2014/2015, and intend to pay it tomorrow however I received a letter from Rossendales saying I have to pay them £295, how can I be fined £75 when I am not late in paying the council tax in the first place and can they make me…
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Bryan Carter solicitors help
Hi received court claim formicon from Bryan Carter solicitors dated 20th jan 2015. Only other contact I have had off Bryan Carter solicitors is text messages which say the following I have ignored these as there was no name to it it was relating to ie me my husband etc. Text message reads Please call Bryan Carter…
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Monday 2 February - 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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CCA's and Bank O/D's
Hi All, I recently requested a CCA for an old overdraft and have been sent statements but no actual agreement that I have signed. Have the DCA given enough info or is a signed agreement required for an O/D? Also, My request was taken verbally rather than me requesting it in writing, Is this acceptable or should I have…
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Big trouble with Council Tax....
Hi, I wonder if anyone can help. I don't know where to turn or what to do, or where to post this. I am in urgent need of some help with council tax. Please don't judge me I work extremely hard and do not live frivolously. Circumstances mean that I have just received a court summons for £784.00 council tax. The date of the…
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'In writing' - email OK?
I am sending my F&F settlement to one of my creditors. I realise my offer and their reply must be in writing and it must state that it would be a final payment on the account, however does email count? Even if I were to print off the whole email (I file things relating to debts so I have a record of when I pay them off).…
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Major blip!
Hi all, I haven't posted for a while as been through a bit of a blip but I coming out the other side so thought I would share with you all. In June 2013 my mum was suddenly diagnosed with terminal cancer, it was a big shock and sadly by aug 2013 she had passed away. I never really got my head round this and to cope I…
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More going out than coming in, cut spends but still not enough to pay off debt... :(
Hi, Since I began working at age 15 I have been spending exactly what i get, leaving me with no savings and then when I earned more i got loans for things i couldn't afford yet, again assigning every single pound to spends. Because of this i have recently had a financial breakdown and seen my stupidity but don't know how…
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:(
So annoyed was unpacking my car and I knocked my laptop out and it shattered. It's an ancient model so it's not worth fixing and parts for it are impossible to get. While I have emergency money it's not really enough for a new laptop so I did some research and I'm now renting one. It's a three year contract at $20 a f/n…
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Is this illegal?
Hello Long story short: my partner has (marital) debts which haven't been paid towards for a couple of years. We have discussed with them 50% full and final settlements based on a family loan to him it now appears that he won't need the loan from a family member as his ex wife has given him a (small) lump sum ( against his…
