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DFW Debt_Denier
Okay so here goes, I put this in debt free diaries but perhaps it belongs more here. OH and I have well paid jobs. We have a reasonable sized mortgage and 2 primary school aged children. Total debt: Car loan £5267.24 paid monthly £232.53 just under 2 years to go @4.4% CC1 £705.84 balance this month cleared in full each…
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Possible DRO or DMP
hello, Ive finally come to the point where I can no longer keep up with my credit card debts, ive been looking into DMPs and DROs, at present I have had no contact with the likes of step change, I currently rent and have a car valued at approx. £600, my credit card debts are about £22000 spread over 5 creditors, now I know…
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What to do, frankly.
Thanks for your help.
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Sat/sun20 & 21 February 2016.what 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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In debt, need help and advice
Hello there. This is my 1st post on here. I am looking for help and advice for trying to extract myself and the missus from the situation we have got ourselves in in regards to debt. Here is our current exposure to:- ME HALIFAX 800 (OD) TSB 200 (OD) PAYBREAK 107 (PAID MONTHLY, 3 MONTHS LEFT) LUMA 354 (CC) AQUA 519 (CC)…
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Court Papers - and no details in my files
Hi, guys, I am wondering if you can advise me. I have recently been contacted by solicitors acting for a debt collection company linked to Capital One. I have left them umpteen messages, but they haven't as yet returned my call. Their most recent letter said that if I hadn't paid the debt by last week, they would send out…
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My <1 year debt free plan/advice
Hi all, just wanted to write a new post regarding my position. I'll start off by saying I made some stupid decisions years ago and I have never really been a responsible adult about it, more that I ran away from the problems I got into with money. I took out a 7.2k loan back in 2008 for a car. It was a loan originally from…
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lcs
Hi, I'm new to this so not sure if I've posted to the right category. I had a letter a few months ago sent to my old address from a debt collector company called LCS, informing me I owe Anglian Water over £500 and after reading about this company on other forums, it says not to contact them in any way. They make money from…
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CCA Response Received - What Next?
I have received a response to a CCA request submitted on a 1st Credit account. This makes reference to the 'true copy of your credit agreement at the time the account was opened'. IE, no document with a signature. Could someone advise how this should be interpreted, and what my next steps could be? Or if I need to accept…
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Friday 19th February - What Small DFW-Style 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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#overdraft problems
So i've recently discovered my partner has an overdraft of £2200+ that she has been in for a few years without any attempt to pay it off and the monthly fees/charges now total around £100/month. I'm trying to help her sort this out and just have a few questions. Would it be better off to get a new loan to pay this off to…
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Getting CCJ Set aside (Capquest)
This thread was created in error
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Credit Report Query
Hi I have various defaults from 2013-2014. I understand that these will drop off in 6 years however if they still have balances on them, I assume lenders can still see how much is outstanding? I ask this as once my defaults have dropped off and my debt is being managed, does a lender such as a mortgage application see how…
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Fredrickson international
Hi guys, I'm hoping someone can give me some advice regarding a letter before action issued by Fredrickson international 12 months ago & as yet they've not issued legal proceedings. As I started I received the letter before action 12 months ago,2 days later that was followed by a threatening letter from Brian Carter…
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Tax Debt Advice Please
Hello My situation is that I've spoken to HMRC this morning, and they've advised that my debt - just under £11k, was passed to a debt collection agency in December 2015 but, as of yet, I've not heard from anyone. I'm fully up-to-date with my tax returns and have paid HMRC £900 over the last two month with a view to paying…
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Thursday 18th 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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Debt - british gas now lcs
I'm a newbie and not sure if this thread is in the right place, I'm seeking some help because I just cant seem to deal with these people. Theyre a bunch of cons and wont leave us alone. We have been with british gas from 2007-2009 for electricity. 2007-2014 as gas. We run a small family business. in the middle of 2009 we…
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Paying off debt and credit file
Hi If you pay off all your debts in one go - where there are defaults registered on your credit file - does that put you back in a position where you go frombad credit to good credit worthiness? Or is there a period where the defaults stay on file and continue to affect your credit worthiness? RD
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Too good to be true?
Hiya Everybody, Too good? Have had a phone call off CRS Compass who are responsible for my debts with Lending Stream or Zebit (which ever you want to call them) and have said they will accept £170.00 to close the accounts which are actually £598.77. These will appear as accounts closed and nothing more owing? Thanks, Carol…
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Payplan's new T+C's
Hi - I'm currently in a DMP with Payplan, have about £9K left to pay which is down from £21K and has an estimated 4 years to clear. I work full time and as part of my job for the last few years I do sales and so get some commission on top of my basic salary. My payments have increased over the years from £95 a month to…
