-
Debt and stressed
I was wondering if anyone could help or point me in the right direction. I have several credit cards which I am paying high interest on. I can't seem to shift these debts as I seem to get rejected for new balance transfer cards. I don't know what else I can do and it is really worrying me. I used to live with my mum but My…
-
Do SOA really help?
I've been lurking here for some time, not in debts, but always up for any advice on savings and therefore tend to focus my attention on SOAs threads and try to apply some of the recommendations. Over the years, I have read a number of SOAs for inspiration, but have concluded that I am not convinced they are that helpful as…
-
Power 2 contact notice - but I have no debt!
Hi all, New to the forum todayafter finding a notice from 'power 2 contact' on the doormat as I returned home from work. The notice is printed, with some of the blank spaces only partially completed. Effectively, all it says is for (my address) to contact (name) at (number) within 24 hrs to "avoid any further action being…
-
Saturday 5th & Sunday 6th September 2015 - What small debt free things will you do to
When we start our debt free journies we focus our energy on doing the big things. Cancelling the gym, sky membership, & eating out are some of the main ones. But this can be a long haul commitment for many of us. Along the way we need to realise the power of the small things. Packing our own lunch. Taking a water bottle…
-
Demand for outstanding Council Tax from 2007 out of nowhere
So today, completely out of the blue, I got a letter from Birmingham City Council saying that I owe £600 in Council Tax for a period of around 6 months in 2007 when I was a student and therefore (I assumed) not liable for Council Tax. I thought this was very strange for a couple of reasons: firstly, because as far as I was…
-
Equita Fees
If we don't pay Equita's fees resulting from council tax arrears we have now cleared what can/will happen? I think they are about £300.
-
how do i get out of debt?
million dollar question? please tell me how you would clear this and which first. house value £220,000 cars 2 of £2000 & £2500 mortgage 96,000 repay £500 p/m secure loan 10,000 repay £317 p/m 4yrs left unsecured loan £6,500 repay £160 p/m 4yrs left credit card £7,500 p/m repay £165p/m minimum credit card £1,000 repay…
-
6 years after debt
Most my debt has came of my credit file because it's been 6 years. What can they do if I don't pay it now? It's not on my cried file and they can't put it back on It's not sttared bared because I've had contact with them and paid in the past. I have a ccj that will come of my credit file this month if I pay it off will it…
-
Help with SOA - want to clear debt and start saving!
Hi Been lurking here for a very long time and have followed lots of advice that has been posted, meaning that over recent years I have become much more responsible with money. However, I have got to the point now where I want to clear my debts and start saving, with the aim of building up a deposit to buy a house (before…
-
Lowell Group taking me to court
Hello, I have been receiving calls from Lowell Group for the past 6 months chasing me for a Credit Card debt from my previous address. They have refused to tell me when I was supposed to have taken this card out, only saying that there was a default registered in 2012, when I no longer lived there. I have no record of this…
-
Is it a good idea to negate loan interest using a 0% Credit Card.
Is it a good idea to negate loan interest using a 0% Credit Card. I'm not talking about balance transfer, more the following: Get CC with 0% on purchases. Use to fund living expenses for a few months. Put all cash from living expenses towards loan overpayment (where it is permitted), saving the interest. Likely to be…
-
stuck in the land of lost
so I was diagnosed with depression since I was in my teens, I have the habit of spending makes me feel better thing going on and ended up in a lot of debt. I have a payment plan set up with stepchange, when I first moved into my house I only had a part time job and fell behind with my water so I am on a payment plan with…
-
County court summons for council tax. Oh god.
Yesterday I received a court summons for unpaid council tax. And to say I am scared is an understatement!! I have been out of work for six months and my partner has been out for two. I started working four weeks ago and am paid weekly. My partner got a job yesterday and starts on Monday. So things are looking up, this just…
-
Friday 4th September - 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…
-
Pay Off Credit Card Debt In One Lump Sum Or Over A Few Months
Hi folks, I have quite a bit of credit card debt and I'm finally in the fortunate position of being able to pay off the debt in one lump sum. Is it better for my credit score to pay it off over a couple of months or does it make no difference to my credit score? I've read it's a myth that paying it off in one lump sum is…
-
CCA clarification
Hi , Just wanted some clarification if possible on a CCA request i have gotten back from Lowell.Debt relates to HBOS who have taken about 6 weeks to produce a credit agreement. Lowell said until it was found they'd close the account.The credit agreement sent is proper and not reconstituted and i have signed it and dated…
-
certificate of satisfaction
hi all, i paid my debt in full and now i require a certificate of satisfaction as soon as possible. CCJ was from Northampton county court. is there anyway i can visit in person and collect the certificate of satisfaction. if so then what things i need to give to the court. any help and suggestions are welcome.
-
Cost of Storage means I need to sell, downsize, declutter.
Help please! I may be moving to work abroad and need to ready my house. Alternatively, I do need to redecorate at least one room and declutter. I'm almost shocked at how much I've collected in the space of 7 years. The cost of storage has meant that I'm determined to pare things down - minimalise, do the Kon thingy (sorry,…
-
Attempting to clear outstanding debt
Hi I was hoping to get a bit of advice with regards to an outstanding debt I have relating to a barclaycard I had a few years ago. My debt was passed on to a company called MKDP and was at the amount of £4,800 I have paid just over £300 off that in installments and was looking to settle the remainder at the best amount…
-
Moorcroft Debt Recovery - Full and Final Query
I have a debt for just under £2000 which I have never paid. Moorcroft recently sent me a letter to find out if the debt was mine. It is over 5 years old and I want to settle the debt and have it satisfied on my credit report. I sent a letter back to Moorcroft with an offer of £200 to settle the debt. Does this seem…
