-
Restons and cancelling a charge on property
We have recently cleared off an MBNA debt in full through Restons. The debt was originally secured on our house by Restons to prevent us selling it while monies were outstanding. Having cleared the debt in June we today received a letter out of the blue from Restons demanding £728.60 to cover the costs, fees and other…
-
Order Charging land. N.ireland
Hi, I've just been issued with two orders charging land for non payment of rates. Both debts amount approx £2300. I live in Northern Ireland. I am in a position to pay one off and work on the other one. However. What I'm not clear about is if I have a CCJ. The date on the order is 28tj July. On the registry trust site it…
-
Tesco loan and DMP. Robinson Way DCA
I have been on my DMP for 6 years now and have been paying regular payments to Tesco via Stepchange. They have only now sent this to a DCA called Robinson Way.The payment plan was going along nicely and I am a little worried that this will now be scuppered by them. I still have 12k outstanding on this loan. Has anyone had…
-
County Court, Debt & DLA PIP.
When filling out an expenditure form to submit to a creditor who has a Court Judgement against you, do you have to include your PIP (daily/mobility allowance)
-
Loan to pay off credit cards?
I owe around £11,000 on my credit cards, some with low interest for the life of the balance transfer, some with normal interest rates. I generally pay the minimum amount each month unless I've got extra money from somewhere! I've been looking at taking out a loan to pay these off (and then cut the cards up) but obviously…
-
:) Tuesday 2nd August - What Small Debt Free Wannabe 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…
-
Think I've had a light bulb moment .... SOA just Added
I'm so scared but determined to change and I think I have the worst debt than anyone..I hold my head in shame most of the time . I have never missed a payment but am so worried about things spiralling out of control so it's time to stop ,game over... I will try and post Soa later.. Loans add up to 45000 including husband ,…
-
Help me please
I am taking a deep breath and hoping you can help me. A few years back my marriage dissolved and I was left with the majority share of the financial burden from that marriage. When the house was sold I cleared the majority of debt as far as I was aware and got on with things accepting that my credit rating was poor. I…
-
Bereft and Broken
I feel very sad that my first ever post on this site is about debt and depression. I’m afraid it’s not a positive post – I don’t feel very positive at the moment, but I have no one to help me. I also apologise for the length. I have read diary after diary, post after post on this site and have been truly inspired by the…
-
Full and Final Settlement
I have got a query that I would like some advice for. I have an overall debt of £10,895.41, owed to 4 creditors (2 of which are Cabot). I have been paying them back at £1.00 per month each for the last 5 years. I am in no financial situation to increase the payments for the foreseeable future. My debts are as follows -…
-
Help with Advantis/HMRC debt i dont think i owe?
Hi, I am after some advice after now receiving a few letters from Advantis. I originally received a couple about a year ago which i thought had been dealt with but ive now had another two within the last 4 weeks, and automated phone calls. The letters state i supposedly owe £70 to them on behalf of HMRC. It does not state…
-
0% Balance transfer.
I have transferred all of my debt (£6K) apart from £200 onto a Barclaycard that had an intro offer of 0% on balance transfers for 25 months. Do i need to contact the other credit card companies to tell them that i have done a balance transfer? Or do i just let Barclaycard do that? I've never done a balance transfer, as you…
-
Good times for a change
I just want to share some good news, in case it inspires anyone else to go down the route I have... I've spent £11,000 on 2 barclaycards (with insane APRs of 26.9%)....it's just been a few years of living outwith my means really. I moved in with my boyfriend this year and I knew I needed to sort my finances out so we could…
-
County Court Claim Form - how to respond.
I've had a County Court claim form for what I think is an old bank account debt but there is not information on the form other than it's Lowell Portfolio Ltd and apparently I entered into a credit agreement with Sigma Financial Group and failed to maintain payments. I have no idea and have never entered into an agreement…
-
TNC Group lease car debt
Hello Last week I received a letter from a company called the TNC Group. They were chasing a debt from a lease car I had when I worked for the NHS in 2011. They are chasing a debt for £2700. I sent them a "prove" it letter and they have supplied a statement that was sent to an address I no longer lived at in 2012 all the…
-
So what will you do next after becoming debt free?
Just looking for some motivation! Wondering what people's dreams are for after they become debt free? What will you do with all the disposable money that was tied up in debt repayments? Will you save? Or will you enjoy spending that bit extra for a bit? Or will you save for something you've wanted for ages? Will you become…
-
Credit card or loan?
I am deciding whether I should move some of my debt to a loan or continue paying off the debt. I have configured my debt snowball calculator with the expected payoff's in brackets. Credit card #1 ~ £7,981.89 @ 23% Credit card #2 ~ £3,967.00 @ 17% Loan ~ £17,721.99 @ 4% (pay off 2019) So I have no opportunities to for…
-
Mon 1st August - What Small Debt Free Wannabe style 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…
