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HELP! Need support but no one will help!
This is a complicated one! Ok so up till recently I was 3.5k in arrears with my rent due on health issues and housing benefit not being processed but mainly due to the councils discrimination. Basically leeds city council has imposed rules over all independent disabled people that they cannot contact the council and any…
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Student finance threatening me with a penalty, need help.
Feeling quite anxious about this although I feel I’ve done nothing wrong. I was badly injured after university and spent awhile on ESA while undergoing several surgical procedures. I cancelled my ESA when a gift from my parents to help me pay for private surgery brought me over the savings threshold. I was then contacted…
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Help, advice on serious debt problem wanted
I'm 22 and have been living on my own for several years and as such my outgoings were always higher than my income as I couldn't really afford to live on my own hence a trail of bad credit and debt. I now earn £30,000 per year and had started to correct my credit profile a little and things were looking up. I then took a…
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Lowells Mobile Phone Stat Barred
Hi Everyone, I have Lowells putting default payments on my credit file, I've been searching the net for a few hours and have not found the info I need. Some peoples accounts that I have read are just updated from, 3 mobile for example when they buy the debt. My account has not Lowlife have made it themselves and added…
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Urgent advice needed - Natwest loan
Hi I'm currently in the process of dealing with my debts and June was the first month I missed payments. However yesterday I recieved a letter from Natwest saying due to the missed payment they were now closing my "Loan account" following there previous letter (I have recieved no other correspondence from them until this).…
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In debt and fed up
Hi all, I hope I am posting in the right place, if not then please move to the correct section. So for the past three years since graduating I have buried my head in the sand with my debt and I am now finding it scary to even come home and find what post has been sent to me. I can't bring myself to open any post, it all…
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Lowell: second letter, debt request
Hi, About a month ago I made a thread saying that Lowell had sent me a letter but with no debt request, just a request to confirm I lived at an old address (my university house which I left four years ago). I was advised to ignore it, which I did. Today I've received a second letter stating that I was in debt with Severn…
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New bank account when on dmp
I have just applied for a new current account in my sole name with Natwest. This has been approved even though I am currently in a dmp. I opened the account as my current bank has shut all my local branches. I have however now just realised that Natwest is linked to RBS and my partner owes money on a mint card which is…
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Mortgage, credit cards and loan advice
Hiya. I would appreciate your advice on my dads debt. He has a mortgage and also debts. He is only able to pay his mortgage monthly repayments and puts little towards the debts as he on debt management. It is unlikely for my dads earning to increase. My question is, is there a way my dad can become debt free, without it…
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Sat 25th/Sun 26th - what small DFW things will you do this weekend?
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 from catalogue not my name
Hi, im after some advice on who to turn to. Back in 2014 my mother opened a catalogue account in my name ran up a debt of £1500 in womems clothing she said i was living there when i wasn't now ive just moved into my own place the debt has come through to me. I phoned the police they took a statement of me brought her into…
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Please help - to refinance or not
Long time reader on these forum, but first time asking a question. I was just wondering which you think would be the best option. My husband and myself are currently trying hard to be debt free within 5 years (or sooner if possible!). I currently have a loan with my bank with 10k paying 10% APR. This will be paid off…
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Nhs fine help
Hi not sure this is in the right section but I was hoping somebody would be able to help me because I'm a nervous wreck , here is my problem : I am a father of 3 children , and since my children were born first being 10 years ago I was under the impression that prescriptions were free until my children are 16 , however…
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Friday 24th June - 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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Thursday 23rd June - 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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Help needed to write cheeky letter
Ok you lovely peeps..I need some help compiling a letter :D A CCA came back and I was unsure about it so had it checked over by an independent debt advisor recommended by CAB. He thinks it's ok mostly..... However, it states interest 0% (which probably was an introductory offer or something, I don't recall as it was nigh…
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Natwest and moorcroft
Quick post for some advice, my father passed away and we had a baby, I failed to make payment on my cc for two months. Tonight, a guy turns up on my door with a letter, asking to call and arrange a payment plan with moorcroft. My question is, is it too late to deal with natwest now? Am I stuck dealing with these guys? I…
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HELP! Lending silly people money
Hello, thank you for taking the time to read this, I appreciate your time and I hope you can help. Back in 2013 i leant a friend 6k (yes a lot of money and rather foolishly of me too). This year i plucked up the courage to apply to MCOL to get him to pay. I did everything they asked and I was told he didnt put a defence up…
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Secured debt on property - advice please
Hi everyone, Having defaulted on a bank loan some 6 years ago the bank concerned took out a second charge on my property. The amount is around 8K. I also have another charge on the property. I assumed that the charge would just sit in the background until the property was sold for whatever reason, but have now received…
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Credit report
Hi all Below is my credit report (personal details taken out) 1. What should I be most concerned about regarding my report and is there anything I can do to improve it 2. What date will it all be clear (I'm unsure if it's the default date or satisfied date plus 6 years) 3. Would every bank send me away right at this…
