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Full and final settlement through Payplan
I am currently in a DMP with Payplan and owe approximately £28444. This is due to be re-paid in 2025! A relative has offered some money to help clear my debts and this will be up to £12000. I'd love to try and clear my debts completely with this money. Does anyone have any experience of Payplans success at securing full…
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Help and advice need
hi.I really need some help and some advices. I'm on a DMP (Debt Management Plan) and ever since I have bin on the DMP I've had a problem with one creditor call 'simple be'' the have bin sending me letter after letter and also has got the DMP'S name wrong I have told so many times about this that I have lost count on how…
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DMP and renting a property
I am in the process of splitting with my partner and I need to move out of the family home. I have children and am looking to rent a property. The referencing form says do you have any adverse credit - I am now stressing as I've been on a DMP since November and have 3 defaults :( I am having to have a guarantor as I don't…
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how long to wait for a CCA repsonse from a DCA
I had a loan with sainsburys that moorcroft took on...I sent them a CCA request which they recieved on the 6th May... How long given its a 3rd party is fair to wait before sending a follow up letter...?
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Credit Agreement
Hi all, I am looking for some advice. It is nearly the six year aniverssary of several defaults on my credit file. I am not able to find all the relevent credit agreements, especially those transferred or bought by debt recovery agents. Is it correct to think that if the companies must supply the information and signed…
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Thursday 28 May 2015, what small dfw stuff 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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Feeling very stressed!
So to cut a long story short after a few bad decisions (credit cards, catalogues etc) and my father passing away I've ended up in a bit of a downward spiral debt wise. I've finally decided to try and pick myself up and contacted Stepchange, they've recommended a DMP which I know a lot of people here have used. Really not…
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Debt advisor Scotland
Basically i am wondering if anybody knows of anywhere i could get help via the way of a financial advisor in Scotland. To cut a long story short i went down the CAB route for debt and they told me i need to get myself a financial advisor to sort out my mortgage and debt into a more workable solution...because i haven't…
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Seeking debt advice!!
Hi everyone thank you for taking the time to read this. I am lost at the moment with what to do about some debt I have, feel like im not going anywhere with it. To explain the situation I currently have a loan I am repaying which currently sits at £2400, repayments on this comes to £110 a month ( £50/60 of which only goes…
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Council Tax Inept Direct Debit
Hi, I'm not sure if this is the right area but I'm having major problems with my council tax. The direct debit seems to keep bouncing (even though I've sent them screen shots showing there is more than enough money in there). They aren't listening and just keep implying that I'm lying about not paying my council tax. I…
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jdwilliams costs more than payday loans?
For every £100 I pay on my catalogue each month I get a £61 credit charge on my jdwilliams catalogue. When I get a £100 payday loan I pay back £125. How come everyone is complaining about payday loan APR's when catalogues charges are way higher than theirs?
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£23500 in debt - feels like Im never going to clear it!
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Wednesday 27th May - What small DFW things will you do today?
Good Morning All On a mobile so sorry for not posting the full thread intro, but to any newbies, the idea of this thread is to provide daily support & cheerleading to those who need it to kick this demon debt once and for all! So what small things will you do today to make a difference? Examples may be line drying your…
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Debt and Bank Accounts
Not sure if this is the right place to post this but I thought I would start here as the problem's basis is to do with debt. My daughter-in-law has got herself into a mess with debt and a while ago set up an account with Gregory Pennington to manage it. Apparently they recommended Think Bank to help her control her money…
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Feel like on I'm a roller coaster and I'm terrified
As the title says - I'm on a bit of an emotional roller coaster at the moment. For years I've been in a cycle of debt but me and DH have always just about managed. It's all our own fault (mostly mine) and I'm so ashamed. Stupid stupid living beyond our means. Circumstances haven't always helped - going back to uni, having…
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letter to atend court for questioning
Hi all had a letter hand delivered just now to atend court for questioning. Letter says A judgement or order was given on the 20th February 2012 by the county court business centre my name to pay the judgment creditor of £2.690.97 You must atend court or be sent to prison for contempt of court . I will be honest I've never…
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Housing association
Hi I am on a dmp with 10.5k left to pay off. I'm selling up and expect to get 117k so will pay off dmp. Got my eye on a 2 bed housing association place. Could buy 50% and pay off dmp. The rest is a subsidised rent. Do I need to have good credit for this? I have bipolar and my credit is poor but no ccj or bankruptcy. Help!
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Loan paid off!!!!!
2 and a half years early. Been eating soup and cereal for about 18 months. Only (HAHAHAH! Only...) got about £3.5k on interest free credit cards to go. So £425 split two ways is an extra £212.50 a month to put against each card. Debt free by November, I reckon Keep up the good work everyone, it can be done! Lost count of…
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Tuesday 26th 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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Debt and depression
So I have now been off Prozac since early Feb having been on it for the best part of 10 years before that. I am certain that debt and depression have been closely linked in my case as I know must be true for many others. DH and I are just over half way through our DMP and have paid off a lot of debt. I have to say that I…
