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Settlement letter for HBOS
I am currently penning a letter to HBOS and was looking for some feedback from those here.....the account has been defualted and the balance is at £4137. I'm on a DMP and their monthly payment is £38.31. Heres the letter........Advice always welcome :) Dear Sir/Madam Without Prejudice Account No: xxxxxxxxxxxxxxxxx I write…
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Should I consider a loan to cut interest costs
Hi, I've been considering a loan to pay off my debts. I had a low credit score so applied for both a vanquis card and a capital one card. The idea was to use them to get shopping weekly, and pay it off monthly. But as with all things, that didn't work out to plan. The plan is to borrow £15000 over 3 years. on the loan…
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Help!
[FONT="]I am in desperate need of advice.[/FONT] [FONT="]When I was made redundant I had, amongst many other debts, a loan with Lloyds. I could no longer afford to make the full payments on this so we came to an arrangement where I was paying a small amount per month via Apex DCA.[/FONT] [FONT="]Recently Lloyds…
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Provident debt....please help??
Hi everyone, Hope everyone is debt-busting happy this fine, rainy morning. Here's my problem. I took out a loan with provident last year (I know, I know, I'm a true idiot) and everything was actually fine until I had a miscarriage in November and was off work for 8 weeks. I fell behind with payments and I'm still in…
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Looking for any advice at all
Hello MSE members, I don't usually post of forums but I felt the time was right. My name is Hollie. I am trying to get out of debt, but I'm finding it very difficult. I live in my overdraft, which has a limit of £850, and haven't been in the black since February 2013. I received incapacity benefit due to having a form of…
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Dmp & yorkshire bank
Has anyone been in a dmp before and added their personal loan in from yorkshire bank??? What problems did it cause if any or is yb ok with this ?
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CCJ reapeared
Hi I was given a loan by lloyds which I could clearly not afford, I had mortgage defaults I had maxed out on overdraft and had other loan defaults, in 2001 I was invited into lloyds to as they said help my situation, they consolidated all my loans and overdrafts into one loan which ended up being £10,500 approx, I was…
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Saturday/Sunday 2nd/4rd May - 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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is there a right of appeal to a CCJ
hopefully i have put this on right forum,and am being a bit lazy by asking question as oppsed to trawling through internet,so any help appreciated > I intend to default on a debt to test the 'strength ' of the agreement. it will go to small claims. i am prepared and expect to lose ,but its only way i can test this out-and…
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Lloyds Default DMP Removal Help
Ok a little long winded sorry but here goes.... I joined Step Change September 2014, stuck all my creditors in there and away I went paying them off, got to February this year and I started to receive default letters from Capital One and Lloyds bank. I have since had a change in circumstances towards my income and with…
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default removal
Hi Just a quick question I paid off 5 debts 2 of which had a default date of 2013 for motormile finance. Last month this 2 defaults was standing proud at the top of my credit record, but now have been removed the day after I cleared both balances. Not that I am complaining, but do companies often do this after the account…
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Anyone heard of Dopplr? possible HMRC scammer
Had the following email from a Luigi Hanson, etta.76a @ pack740 . dom - Not heard of Dopplr, and there's a document supposedly attached which I am not going to open! Just checking, before I spam blast it! "Dopplr has issued the claim against you and passed for consideration to HM Courts Ref:[KRxxxxxxx].The claim was read,…
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Cabot letter re. Debt not on my credit report
I've received a letter from Cabot Financial regarding a Barclaycard debt of just over £1030.00. I did have a Barclaycard many years ago and I did have debt on that card but it hasn't been on my credit report for years. Do I contact them to negotiate repayment (this would have to be minimal as I am on an almost non-existent…
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Taking control of the bank accounts
Well we've finally, after much discussion made the decision that I will take control of all of the finances. I am much more organised and have been trying to pay extra each month to reduce our debt but my hubby is spending money like it's going out of fashion. He's agreed now to let me deal with everything. What a relief!!…
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No more credit card bills or loan repayments!
Well, its been a long (long, long!!) time coming but after reading this site, chatting with people and getting hints and tips, as well as having my family close to me I have finally paid off my loan and will be paying the last £6.53 to clear the credit card today. That has saved us a good chunk of money a month and finally…
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Friday 1st May - 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…
