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Newbie. Problems with Next plc
Hi there. Please bare with me as I have never done this before but thought it may be a good place to get some much needed advice. I opened an account with Next around July 2007. The amount owed now stands at approx £3,300. :( I have struggled but have tried my best to keep up, however my minimum payment is now £172 and I…
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Apex CCA Request Advice
Hi All, Brief intro - My OH made some silly mistakes financially when she was at university some 10 years ago and still has a number of outstanding debts. I've managed to help her prioritise these debts and shes now paid off an outstanding credit card still with the original creditor which was particularly high interest,…
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Payplan review
Hi Am after some advice, I am due my Payplan review and this year they are asking for copies of payslips and bank statements, this is something they have never asked for before. At the moment I pay off a fair amount each month but have some surplus left at the end of the month and am saving this with the intention of being…
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Wednesday 25th 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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Need some guidance on setting aside a CCJ
Hi, I was hoping someone would be happy to share the process of getting Bryan Carter Solicitors LLP to consent to my CCJ being set aside The court date of the CCJ was 06/08/2014 for £546. I have been living abroad outside of the uk since January 2014. I only found out that I had this CCJ when I decided to check my credit…
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Bank wanting to set up their own DMP for me?
We are just about managing, everything is paid on time, usually minimum payments but nonetheless, we are ok. Suddenly Smile bank want to withdraw our reducing overdraft - we have been paying it off £60 a month and currently owe £1,400. We both work, pay about £4k a month into the account. I got a message saying get in…
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Mortgage after dmp and settled accounts
I didn't think I'd be saying this after posting the other day but I am just waiting for one more creditor to get back to me then that's it I'm debt free after 20 k of debt,all defaults are off apart from one which is a settled account but has a history of ap markers my question is has anybody managed to get a mortgage on a…
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Overdraft Limit
Hello all! I've spent the last 12 months trying to get out of debt and I now have a positive figure on my bank account and I couldn't be happier! Therefore, my last step is to reduce my overdraft limit. My question is - what is a suitable level to reduce it to that will benefit my credit rating? I have been told that it's…
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Confused about Barclays overdraft fees.
I have had an agreed overdraft on my Barclays First Additions current account (soon to be changed to a different name) of £300 for around 8 years now. I didn't use it for a long time, but recently had to use it. Now I'd always thought that I wouldn't be changed on this. I pay a monthly fee for this account (this was…
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5 yr old CCJ - any solution/compromise with debt company?
5 yr old ccj prevents me getting credit. I cannot afford to pay the full amount - £1000 The company who have the ccj once offered me a reduced amount payment in agreement not to use the ccj against me. how can I get them to do this again without contacting them and agreeing I owe them debt? I can afford 50- 100 pound…
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Time to face reality
Hi, I'll try and put in much detail as I can here. Starts off I went to uni in 2005 and started off good (no debt other than my student loan, no overdraft, no nothing). During my 3rd and 4th year at uni, things took a turn, I ran up a fair bit of debt inc student over draft, student credit card, a loan, store cards etc. I…
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Tuesday 24th Nov - What small 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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Do debt collection agencies have to reply to letters?
I have an old debt with British Gas and LCS have ignored my letters (recorded mail) with offer of settlement. They continue to hound me daily on the phone around the time I get in from work; this completely angers me as just want to wind down. I have contacted British Gas and they won't deal with me directly and that LCS…
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Always thought "I'll pay my debts off eventually" and now I really have to.
Hi moneysavingexpert, A couple of years ago I came to London for work after graduating, with a £2000 student overdraft and a debt of a month's rent + deposit to my parents (around £1200). I started on £23000 (which I thought was a decent amount until I started to know London better!). Anyway, I got a credit card to be able…
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We are so ready!
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trustdeedscotland
Hi i am indecisive as there are two companies with same name and services, trustdeeds scotland and trustdeed. i am in heavy debts and want to hire someone who can help me out. can anyone tell which one is real? any experince anyone has? i contacted turstdeedscotland but they were more focusing on their fee than addressing…
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CCS Collect
I received a letter from these people today in relation to a social fund debt which I am almost sure was all paid off last year. Does anyone have any information on them? They said if it isn't paid that it can go on my credit file as a default but I was under the impression social fund debt cannot be registered on a credit…
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Council Tax Debt
Hi there, I've been poor with money for many years and being self-employed and partly on benefits too, it hasn't always been easy keeping an even keel. I manager much better these days but one thing I've slipped badly on is council tax arrears. Currently, I owe about £1,758 on two liability orders. It's £802 on last years…
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Help Please - Can't find Template!
Hi Please could you point me in the direction of the template to stop phone calls from DCA, I can't seem to locate it. Thanks
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Walsall CAB faces closure
I stumbled across this. One of many I fear facing closure due to cuts in council funding. There's a petition on this one https://www.change.org/p/save-walsall-citizens-advice-bureau?recruiter=419420886&utm_source=share_petition&utm_medium=copylink
